Dr. Colin Hunt:

The Financial Services and Pensions Ombudsman, FSPO, made a decision on one of these cases and we moved to apply its findings to all 5,900 of the customers in that group.

We took a provision in February 2020 of €300 million to deal with that particular issue. Those customers have now been compensated, fully in line with the decision of the ombudsman, as it pertained to that one case. We have a €70 million provision in our books at the moment for a fine. That is a provision. We do not know what the ultimate fine is going to be. We have to arrive at a decision every time we produce a set of accounts as to whether it is appropriate or not. However, €70 million is the level of provision at this point in time. As to whether the Garda has been in contact with us on this issue, it has not been.