Mr. Colm Kincaid:

In regard to the tracker issue, to be clear, more than 99% of the cases identified in our review have concluded and compensation has been paid. There are no unresolved tracker cases in that sense. There are a number of cases remaining where I believe customers cannot be contacted or the accounts are dormant. In regard to the cases that are before the Ombudsman, we made very specific provision to make sure that people could get the compensation through the Central Bank scheme and still have the capacity to go to the Ombudsman if they wished to take a case because they believed that in their personal circumstances they had an additional claim to make or they were in any way dissatisfied with the outcome that was yielded from that. Those are the cases that are referred to in the Ombudsman’s report from Monday.