Mr. Liam McLoughlin:

Turning to slide No. 40, 296 protective certificates have issued in respect of PIAs, of which Bank of Ireland was involved in 109. Of those, nine lapsed because there was a "No" creditor vote on them. At the end of September, 41 cases were still works in progress. Bank of Ireland voted "Yes" in 45 cases and "No" in 14. Those in which Bank of Ireland voted in favour of the proposal from the personal insolvency practitioner, PIP, accounted for 76% of cases. In comparison, only 67% of all cases were approved.