Mairéad Farrell (Galway West, Sinn Fein) | Oireachtas source

I thank our guests for coming before us again today. In her opening statement on behalf of Ulster Bank, Ms Howard said the bank is "committed to dealing with our non-performing loans in the later stages of our withdrawal, to allow customers who are in difficulty as much time and support as possible to return to a performing position". What kind of engagement is the bank having with those people? I am concerned that those whose loans were already non-performing prior to the enormous increase in the cost of living will potentially be finding it even more difficult at this point. What is the plan for those non-performing loans if they remain non-performing at the point of closure?