Gerry Horkan (Fianna Fail) | Oireachtas source

I will touch on a couple of points that have not been addressed yet. Mr. Masding might discuss pay reviews, the cap on salaries and so on. The committee has asked all banks to address Brexit, banking culture and reviews, but Mr. Masding only had one sentence in his opening statement - "We support the banker accountability framework" - and did not elaborate much on what we asked him to address as one of several main points for today. I accept that these quarterly or half yearly engagements cover everything. How will PTSB implement the change in culture that the Central Bank is seeking across the sector? Where has it come from in terms of the banking culture? Given that I am conscious of our time, Mr. Masding might tie into that the issue of pay reviews, pay caps and so on. Regarding the Central Bank, he might also touch on the exception cases. He referred to managing the expectations of everyone who anticipated getting an exception. How many exceptions does PTSB expect to give out, how many does it give out and so on?