Kieran O'Donnell (Limerick City, Fine Gael)
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That comes as a surprise to me. I shall move on to the two areas that stand out. Clearly, they are the mortgage arrears which make up 50% of all banking complaints and the sale of payment protection which makes up 45% to 50% of all insurance complaints. It is clear from the complaints that AIB had 24 complaints published, where they had three or more for the period 1 September to the end of December. Of the 24, nine related to mortgages, approximately 40%.

Some 50% of all complaints in relation to Ulster Bank were mortgage related and approximately two thirds of all complaints in relation to Bank of Scotland were mortgage related. Perhaps Mr. Prasifka might elaborate on the reason the level of complaints in respect of both of those institutions were so high. For example, only two of the 12 complaints in relation to Permanent TSB were mortgage related and two of the 14 in relation to Bank of Ireland were mortgage related. In regard to AIB, nine of the 24 complaints, or 40%, were mortgage related, ten of the 15, or two thirds, of complaints in regard to Bank of Scotland were mortgage related and seven of the 15 complaints in relation to Ulster Bank were mortgage related. Perhaps Mr. Prasifka would explain the reason for that.