Kieran O'Donnell (Limerick City, Fine Gael)
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My second question relates to the mortgage situation, as raised by my colleague. Last week Bank of Ireland was at best reticent in expressing its view on the restructuring of mortgages. When does Mr. Moran expect the banks to exit the bank guarantee scheme? What are the Department’s plans in that regard in terms of individual banks? What is its perception of the current state of the banks?