Pearse Doherty (Donegal, Sinn Fein) | Oireachtas source

Let me acknowledge that point. The bank included them in the examination but when it examined them, it did not come to the conclusion they should have been awarded a tracker mortgage. Is that correct? That is what AIB was also arguing, including right through its appeals process. That was then overturned by the Financial Services and Pensions Ombudsman. That is the core of the issue.

How did the Central Bank come to the conclusion - given this was within the scope of the examination and it considered this cohort - these individuals were not entitled to a tracker mortgage and, therefore, the administrative penalty of €1,615 that was offered to them was appropriate? That was the Central Bank's conclusion.