Michael McGrath (Cork South Central, Fianna Fail)
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I thank Mr. Boucher. I have been signalled that I am moving on to my last question. It relates to Bank of Ireland's approach to insolvency cases under the formal Insolvency Service of Ireland process. Slide No. 40 that the delegation has provided shows that of the total 296 personal insolvency arrangements, Bank of Ireland is involved in 109, if I am reading it correctly. The number of arrangements that have lapsed due to "No" creditor votes is nine. Will Mr. Boucher confirm to the committee how many PIAs the bank signed off on that have involved material changes to the mortgages' balances? He informed us previously that the bank would not sign off on any PIA that involved a change in the mortgage balance.