Rose Conway-Walsh (Mayo, Sinn Fein) | Oireachtas source

Exactly. I want to come to that in one minute regarding vulture funds and trackers. It would be useful for the committee to be provided with the bad debt provision over the mortgage book for the next year and compared to last year. As a committee we need to keep on top of where everything is with the Central Bank.

I want to move on to the 78,000 people who have had their mortgages transferred to vulture funds. They are paying exorbitant interest rates, some as high as 10%, as we teased out last week. Will Mr. Hayes confirm that approximately 22,000 of those mortgages were transferred without ever having been in arrears? One could take it as the 22,000 people being eligible for switching now. How many of those mortgages have been transferred back to the retail banks from the vulture funds? Perhaps each witness could speak about how many of those mortgages have been transferred back from the non-bank lenders. I want to try to get a picture of that.