Mr. Jim O'Keeffe:

It is not appropriate that we discuss the case, but I want to give some insight into this. I do not know the case in detail but the topic we are discussing is some of the challenge here. We will step away from these numbers altogether. A typical example is a situation where you are owed €1 million and somebody says they will pay you €500,000 and that you will not get better than that anywhere else. That is irrelevant to us, because we must work through the financial standing of the customer. Very often we do not get the right information shared with us, we do not get the sworn statements and we do not get the information to prove we are not leaving debt on the table, which is the purpose of this meeting. Sometimes people are absolutely frustrated, and as I now see, correctly frustrated, and say if only the bank had done a particular thing. However, there is often an issue because we could not get the full disclosure. I am not for a moment suggesting that occurred in this case; it is just my immediate reaction. If we are not getting the full disclosure we cannot take the risk of leaving money on the table and at a later date, in a forum such as this committee, being accused of not being consistent across the board. I am very happy to take it offline and have a look at this as a case study to give the Deputy reassurance. If there are learnings in it I will certainly take them away. For the customers involved, etc., it would be good to clear up that piece so it is not left there as an issue.