Pearse Doherty (Donegal, Sinn Fein) | Oireachtas source

I have three questions I wish to touch on briefly, with one picking up on a point made by the Chairperson. On the Central Bank's lending rules, there is flexibility in the loan-to-income limits. We understand that banks have withdrawn the flexibility of moving 20% above the thresholds. Is PTSB still operating under the guidance of the Central Bank? Is it still facilitating customers who are outside the strict loan-to-income limits and is it using the flexibility that the Central Bank allows?