Gerry Horkan (Fianna Fail) | Oireachtas source

I thank Ms Rowland for acknowledging that. While I know it is not in Ms Rowland's statement today, the narrative to date regarding the €693 million cost has been that this has been a cost to the banks. Most of the money that was given back was money the banks should never have had in the first place. It should always have been in the hands of the consumers. Do we have a breakdown of the €693 million figure? I accept there are administrative costs in the bank. I have another question about the costs to the Central Bank.

Where do all of these fines go? Do they go to Central Bank or somewhere else? What happens to the fines?