Ms Derville Rowland:

When cases are under investigation we look in a very detailed way at who was responsible as well as what was done.

Where there is evidence to support individual accountability, we take those cases forward. The previous enforcement record the Central Bank built up over time demonstrates our commitment to this. We have brought more than 120 enforcement cases, with more than €70 million levelled in fines . There are approximately 30 outcomes, between disqualifications, prohibitions, refusals and suspensions against individuals, which demonstrate that where we have the evidence of individuals needing to be prohibited or disqualified, we will take those actions. We bring that same commitment to the enforcement cases, and the tracker mortgage examinations is a key part of our regulatory approach.