Ms Helen Dooley:

As Deputy O'Callaghan has outlined, 57 breaches were admitted as part of the AIB settlement and a further 36 breaches were admitted as part of the EBS settlement. The size of the fine reflects the seriousness of those breaches. As the CEO has just outlined, we moved as quickly as we could to remedy the customers' situation. Some of those customer payments were made this year, which is why the Central Bank statement refers to some of the breaches continuing. That is because AIB was rectifying accounts up until March 2022. However, the size of the fine does reflect the seriousness of the breaches.