Ms Jane Howard:

It could be a transfer between two accounts. We deliberately looked at deposit accounts, for example. They might have just done a transfer from one account to another. With a current account we have taken out anybody who might be getting a payment of more than €125 per week. We did that because we think that might be salary. Therefore, they are probably using the account. We have also removed any customer who might be getting a Department of Social Protection payment. The accounts we are freezing are deposit accounts and if it is a current account, there is no activity or between one and five transactions in the last 30 days but typically, these are not main banked activities that are going through those accounts.