Michael McGrath (Cork South Central, Fianna Fail) | Oireachtas source

I have two final questions. I will put them together because I know we are tight for time. Ms Rowland has stated that as a result of the Central Bank's work, 20,000 additional customers have been included in the redress and compensation scheme. This was also included in her final report in July. In effect she is saying that half of the customers who have now benefited or got their money back would not have been included in the tracker programme and got their money back if the banks had been left to their own devices. Perhaps Ms Rowland could comment on that.

Finally, the witnesses acknowledge that Permanent TSB co-operated with the enforcement investigation. They have said that this has not been the Central Bank's experience with every bank under investigation and the Central Bank has taken robust action where appropriate. Will they elaborate on that? More specifically, are all of the banks fully and totally co-operating with the ongoing enforcement investigations in every respect as of today?