Ms Breege Timoney:

The bank has spent €130 million to date. That covers the mortgage redress programme that commenced in 2015, as well as the tracker mortgage examination under the guidance of the Central Bank since the end of 2016. That €130 million has three key components. Of the €60 million for redress and compensation, €59 million odd has been paid to date. A small element is still to be paid. The programme itself costs about €50 million. That covers the cost of staff, including bringing in contractors to help us do the work and the advisors involved in the work. Another €20 million, approximately, has gone on other expenses associated with the programme.