John McGuinness (Carlow-Kilkenny, Fianna Fail) | Oireachtas source

Help for what matters.

We will turn to the non-performing loans, the buy-to-lets and the private dwelling homes, PDHs. According to Ulster Bank's analysis of the sale, 1,500 accounts were sold in 2015; 2,874 were sold in 2016; nothing was apparently sold in 2017; and 3,937 were sold in 2018. In answer to a question earlier on, it was stated that Ulster Bank has almost €1 billion of loans still to sell if it is to get down to 5%.

How much work does Ulster Bank undertake on any individual loan, particularly on the mortgage end, or even the buy-to-let end? Those, after all, are homes for some people too. What analysis is done of the social consequences or the consequences to society arising from these loans being sold on? Does Ms Howard believe that the bank, until now, has endeavoured to get down to the real issues in each of these loans? Has the bank made its best effort to ensure that a roof is kept over those peoples' heads?

Does Ms Howard think her bank has done that?