Mr. Jim Brown:

We have regular dialogue with the Credit Review Office. The scheme, as I understand it, was originally set up to look at an appeals process for the pillar banks. We do not participate in it because Ulster Bank has a separate review process.

I shall give the Deputy some idea of the number of approvals. About 94% of our loans are approved so the number of cases appealed against is relatively small. Of the number that are appealed, about one third are ultimately re-approved.