Michael McGrath (Cork South Central, Fianna Fail) | Oireachtas source

I want to ask some additional questions if I may. With regard to restructurings or forbearance measures the bank entered into in respect of mortgages, we can see the table for private dwelling houses, PDHs, for example, and the vast majority of them are term extension or arrears capitalisation. Currently, the bank has done 2,916 PDH split mortgages. I ask about the bank's policy down the line when that warehoused debt crystalises. It is a good solution for many people. It buys time. The debt is parked. The Bank of Ireland, as I understand it, continues to charge some interest on the warehoused element of the debt, unlike most other banks. The witnesses might clarify what the rate is on that. What is the bank's policy at the end of the term of the mortgage? If, say, a family had €100,000 parked, the house could be worth €200,000. Let us say they retire from work. They are on fixed incomes or perhaps social welfare pensions and they do not have the €100,000. My question is, what happens then? Do the witnesses have a figure for the amount of mortgage debt that has been warehoused by Bank of Ireland using that solution?