Ms Gráinne McEvoy:

It is not fair to say it was missed. It is important to note that right from the outset, the Central Bank challenged each of lenders within the scope of the tracker mortgage examination and pushed hard. That resulted in an additional 20,000 customers being included from where the banks initially drew the line, if that makes sense. Those additional customers came about through thorough and further engagement with AIB where it discovered those customers were also caught within the confines of the tracker mortgage examination. It is very much back to the core point that the intervention and continuous challenge - Mr. Sibley spoke about that being quite difficult and fraught in certain cases - resulted in more customers impacted by the actions of the banks being caught within the confines of the examination.