Ms Helen Dooley:

In the same manner that we always determine our pricing, we take into account the cost of funds and a range of factors in order to determine the pricing. In December 2013 when we reinstated the margin over the European Central Bank, ECB, rate, that would have taken into account the various factors a bank takes into account when it is setting its margins. However, we have not manufactured a prevailing tracker rate for the period when we did not have one.