Pearse Doherty (Donegal, Sinn Fein) | Oireachtas source

Is it only that they have to wait until they have fulfilled the terms of the restructured arrangement for 12 months? In the case of another financial institution involved in restructuring which appeared before the committee, individuals are meeting the terms of the restructuring but, on the basis of the type of restructuring involved, such as a split mortgage where more than 20% of it is warehoused, their loans are deemed by the ECB to be NPLs. Does the bank have categories of individuals who fall into that area?