Ms Gráinne McEvoy:

As Mr. Sibley referenced in the opening statement, ensuring the fair treatment of borrowers is a key priority for the Central Bank, particularly those who are in or facing financial distress and difficulty. That has been an area of high priority for us, to which we have dedicated a lot of supervisory resources over previous years. Moreover, we will continue to do so to ensure that our expectations are met, irrespective of who the owners of the loans are.