Pearse Doherty (Donegal, Sinn Fein) | Oireachtas source

I understand all of that and the issues involved. When we talk about non-performing loans there is a perception that the customers in question are not engaging. Mr. O'Keeffe stated that if people engage, AIB can find solutions. I want to drill down into this. AIB is selling for the first time and some 10% of these loans include the family homes. Are these customers engaging with AIB, making payments and making their best efforts or are they not engaging or paying, as per the impression being given by AIB? Are these bad folks having an effect on all the bank's other customers by pushing up their interest rates? I would argue that is the impression AIB is subtly trying to give. I believe the reason AIB will not give us information on this is that the majority of these customers are engaging with the bank and are making payments.