Mr. Ale? Bla?ek:

A mortgage is one of the most important products, if not the most important product any of us has. It is usually the highest amount any individual will ever have to handle. Unfortunately, mortgages attracted issues not only in Ireland, but in other markets. It has happened in Poland and Hungary and even before in western Europe, because the rates provided in the local currencies were too high. The banks then decided to provide the loans in a foreign currency, such as in Hungary, where they were provided in Swiss francs. Through that, the banks had not only exposed the customers to the change in the interest rate, but also the change in exchange rate. Obviously, there were also normal risks of credit issues, such as customers losing jobs and financial crises. That has created substantial issues in those markets. There were similar items in other markets. The tracker mortgage issue is quite specific and very regrettable. However, mortgages generally have attracted some issues in other markets over the years.