Clare Daly
Ceist:81. Deputy Clare Daly asked the Tánaiste and Minister for Justice and Equality when the position of Inspector of Prisons will be filled; and if she will make a statement on the matter. [5293/17]
Amharc ar fhreagraPrison Staff
Ceisteanna (81)
Freagraí scríofa
Judge Michael Reilly died suddenly on 26 November 2016 leaving the office of Inspector of Prisons vacant. The Inspector of Prisons is a statutory position governed by Part 5 of the Prisons Act 2007. Under that Act, I as Minister may appoint a person to be Inspector and the terms and conditions of the office are to be determined by me with the consent of the Minister for Public Expenditure and Reform. Arrangements are underway to facilitate the selection process for the position.
In the interim, the work of the Office of the Inspector of Prisons continues to be carried out by the appointed staff to the office. Although the most senior officer assigned to that office, a Principal Officer, does not have the statutory powers of an Inspector of Prisons, all in the prison system are being instructed to cooperate with her and she remains independent of the Department and the Irish Prison Service as far as investigations are concerned and the content of any report produced. Further, she has been authorised to complete any outstanding reports and submit them to me on a non-statutory basis and it is my intention to publish them in the normal way.
Prison Deaths
Ceisteanna (82)
Clare Daly
Ceist:82. Deputy Clare Daly asked the Tánaiste and Minister for Justice and Equality her views on the fact that five inmates died in custody in 2016; when the inquests are likely to be held; when the numbers who died while on temporary release will be available; and if she will make a statement on the matter. [5294/17]
Amharc ar fhreagraFreagraí scríofa
I wish to inform the Deputy that all deaths in custody are the subject of a Garda investigation and an inquest held in the Coroner's Court. The cause of death is determined by a jury on the basis of the information presented to the Coroner’s Court.
In addition, all deaths in custody are also subject to an independent investigation by the Inspector of Prisons. The investigation by the Inspector of Prisons applies to prisoners who are in the custody of the Irish Prison Service, and includes those instances where the death of the prisoner has occurred outside the prison, or the prisoner in question was recently on temporary release at the time of death.
I am advised by the Irish Prison Service that inquests into the deaths of the five persons who died in custody in 2016 are still pending, and the scheduling of those inquests is a matter for the Coroner concerned.
In addition, the Irish Prison Service has confirmed that five persons died while on temporary release in 2016.
The circumstances of each death in custody and incident of self-harm are examined by a suicide prevention group in each institution. The groups are chaired by the Prison Governor, and include representatives from the various services, including the Prison Doctor, Psychiatry, Psychology, Chaplaincy, Probation, Education, and Prison staff. The Groups are required to meet quarterly, or more often if necessary. Their examinations fully cover the background and circumstances of each death. Their objective is to identify, where possible, measures which might be implemented to contribute to a reduction in the risk of deaths in the future. In addition, the National Suicide and Harm Prevention Steering Group chaired by the Director General, Irish Prison Service, provides a forum for collating the reports of the local Suicide Prevention Committees and disseminating significant findings throughout the prison system.
The Irish Prison Service has also advised that a comprehensive training programme in Mental Health Awareness is being delivered to all staff within the prison service to deal with persons in custody who present with mental health difficulties.
All prisoners on committal to prison, receive a comprehensive health assessment which includes a risk assessment for mental health issues. Management interventions to ensure the prisoners safety including recommendations on accommodation within the prison, observation levels to be conducted on the prisoner, increased healthcare inputs, and any other specific measures that may be appropriate are implemented to reduce the risk in individual cases. In such cases, further assessments are undertaken by the in-reach mental health services, and a multi-agency approach to deal with prisoners needs. Where appropriate, prisoners are kept under review by both the local healthcare team and the in-reach mental health specialists, and are reviewed at a weekly multi-agency meeting.
Prisoner Gratuity Payments
Ceisteanna (83)
Clare Daly
Ceist:83. Deputy Clare Daly asked the Tánaiste and Minister for Justice and Equality her views on the payment of allowances to prisoners who are not in prison but are still in custody, for example, in long-term hospital care; and if she will make a statement on the matter. [5295/17]
Amharc ar fhreagraFreagraí scríofa
For the purposes of this reply it is understood that by 'allowances' the Deputy is referring to the prison daily gratuity. I am advised by the Irish Prison Service that the Prison Rules, 2007, section 29, provides that each prisoner shall be eligible for a gratuity, and that different levels of gratuity may be fixed for different prisons, different classes of prisoners and different levels of engagement in authorised structured activities. I am advised that all amounts due to a prisoner under this rule shall be held in an account for the prisoner, and any amount not given to the prisoner while he or she is in prison shall be given to him or her upon his or her final release from prison.
The Irish Prison Service has advised that all prisoners in the custody of the Irish Prison Service are eligible to receive a daily gratuity under this rule regardless of sentence or remand status. Prisoners who are taken to hospital for inpatient treatment continue to be eligible as they have not been released from custody. Prisoners on approved temporary release programmes are not entitled to payment of the daily gratuity as they are not required to return overnight to the prison.
The daily gratuity allows prisoners to purchase items from the prison tuck shop during their sentence and/or to save money which may be transferred to family members during sentence, or be used to assist their reintegration on release.
Disabled Drivers Grant Eligibility
Ceisteanna (84)
John Halligan
Ceist:84. Deputy John Halligan asked the Minister for Finance the number of appeal applications in respect of the disabled drivers and disabled passengers tax concession, in tabular form, in 2016; the number of applications that were successful at appeal stage; his views on whether the criteria laid down for this concession is fair and equitable; and if he will make a statement on the matter. [4971/17]
Amharc ar fhreagraFreagraí scríofa
Regulation 6(4) of the Disabled Drivers and Disabled Passengers (Tax Concessions) Regulations, 1994 (S.I. 353 of 1994) provides that an individual who is dissatisfied with the decision of the Senior Medical Officer in relation to primary medical certification may appeal to the Disabled Drivers Medical Board of Appeal (DDMBA).
The DDMBA is a body under the aegis of my Department. The Board has provided me with the information requested, which is set out in the table. The table shows the number of appeal applications heard in 2016 and a breakdown of the number that were successful and unsuccessful.
|
DDMBA Appeal Applications |
Numbers |
|
Total Number of applicants assessed in 2016 |
360 |
|
Number of successful applicants |
22 |
|
Number of unsuccessful applicants |
338 |
The Scheme and qualifying criteria were designed specifically for those with severe physical disabilities and are, therefore, necessarily precise.
The Scheme represents a significant tax expenditure. Between the Vehicle Registration Tax and VAT foregone, and the fuel grant, the scheme is estimated to have cost of the order of €65m in 2016. This figure does not include the revenue foregone to the Local Government Fund in the respect of the relief from Motor Tax provided to members of the Scheme.
I recognise the important role that the Scheme plays in expanding the mobility of citizens with disabilities. I have managed to maintain the relief at current levels throughout the crisis despite the requirement for significant fiscal consolidation. From time to time I receive representations from individuals who feel they would benefit from the Scheme but do not qualify under the six criteria. While I have sympathy for these cases, given the scale and scope of the Scheme, I have no plans to expand the medical criteria beyond the six currently provided for in the Disabled Drivers and Disabled Passengers (Tax Concessions) Regulations 1994.
European Financial Forum
Ceisteanna (85)
Gerry Adams
Ceist:85. Deputy Gerry Adams asked the Minister for Finance if he will report on his recent engagement at the European Financial Forum in Dublin. [4582/17]
Amharc ar fhreagraFreagraí scríofa
The second annual European Financial Forum (EFF) was held in Dublin Castle on 24th January 2017 and was a key IFS2020 deliverable under the 2016 Action Plan. The event was hosted by my colleague Minister of State for Financial Services, Eoghan Murphy TD, who has responsibility for the IFS2020 strategy. The IDA and EI had lead responsibility for organising this event, in consultation with the Department of Finance and other public sector and industry stakeholders. I attended the closing sessions of the EFF and gave the final remarks to close off a day of very interesting discussions and presentations.
The concept of the EFF in Dublin was inspired by the success of the equivalent Asian Financial Forum and it is to showcase Ireland's international financial services environment to an international audience, and highlight the Irish Government's commitment to the continued development of International Financial Services.
The 2017 event was very successful and builds on the success of last year's inaugural EFF as a platform to engage leaders from both the public and private spheres through discussion and debate on the challenges and issues facing the global economy.
The 2017 Forum featured keynote speakers and panel discussions on a number of themes. A major focus for the 2017 Forum was the macro economic outlook for the European, Asian and North American economies and impacts for financial services. Given the many international developments in 2016, the EFF2017 was particularly timely in shaping the discussion around the outlook for financial services in our ever changing world. Additional themes included risk-pricing and bank-financed growth, asset management in a near-zero interest rate environment, unpicking the Blockchain conundrum, and promoting diversity in financial services.
The EFF had 24 domestic and international speakers which included President of the Asian Infrastructure Investment Bank, Jin Liqun; Blackrock Vice Chairman, Philipp Hildebrand; and Credit Suisse Vice-Chair of the Board of Directors (& Chair of the British Bankers' Association), Noreen Doyle among others. The full list of speakers is available at the following website: https://live.ft.com/Events/2017/European-Financial-Forum2.
Minister Murphy also launched the IFS2020 Action Plan 2017 at the EFF. The 2017 plan was drafted in the Department of Finance following extensive engagement with both public and private sector stakeholders through the IFS2020 implementation framework. The 2017 Action Plan is divided into two sections. Section one is a contextual piece outlining the development of the Strategy with a strong focus on Brexit while section two contains the suite of 40 individual measures to be actioned in 2017 under the IFS2020 strategic priorities, with the Department or agency responsible for each measure, and the timeline for delivery. A copy of the 2017 Action plan was provided to each attendee of the EFF and is available at:
http://www.finance.gov.ie/sites/default/files/17-01-16%20IFS2020%20Action%20Plan%20FINAL%20for%20web_0.pdf.
National Payments Plan Implementation
Ceisteanna (86, 87, 88, 89)
Noel Grealish
Ceist:86. Deputy Noel Grealish asked the Minister for Finance the progress being made with the implementation of recommendations in the national payments plan; and if he will make a statement on the matter. [5092/17]
Amharc ar fhreagraNoel Grealish
Ceist:87. Deputy Noel Grealish asked the Minister for Finance the number of times the steering committee for the national payments plan met in 2016; and if he will make a statement on the matter. [5093/17]
Amharc ar fhreagraNoel Grealish
Ceist:88. Deputy Noel Grealish asked the Minister for Finance the steps that will be taken in 2017 to increase the development of card payments in a retail environment in line with the national payment plan; and if he will make a statement on the matter. [5094/17]
Amharc ar fhreagraNoel Grealish
Ceist:89. Deputy Noel Grealish asked the Minister for Finance the timeframe for delivery for all recommendations in the national payment plan. [5095/17]
Amharc ar fhreagraFreagraí scríofa
I propose to take Questions Nos. 86 to 89, inclusive, together.
The National Payments Plan, intended to modernise Ireland's payment system, was published in 2013 and covered the period up to 2015. It set out a vision for payments, including universal acceptance of electronic forms of payment, robust and reliable payment systems, and migration from cash and cheques to cards and electronic payments.
Under the National Payments Plan, Ireland made significant progress including full migration to the Single Euro Payments Area (SEPA) with the result that credit transfers and direct debits paid from anywhere within SEPA are as fast and as reliable as those made domestically. Rounding of 1c and 2c coins was rolled out nationally from October 2015 and has been generally welcomed.
All of the major banks now issue debit cards. Usage is continuing to increase and debit card payments exceeded cash withdrawals for the first time in 2015. Most debit cards now have contactless capability and the contactless payment limit is now €30. In December 2015, interchange rates were reduced to make card acceptance more attractive for retailers and Ireland now has one of the lowest rates of interchange fees on debit cards in the EU. Stamp duty on debit cards was reformed with the effect that stamp duty was removed and replaced with a 12c charge per ATM transaction. There are no charges for debit card transactions. No consumer will lose out as a result of this change as the stamp duty was capped at the previous level of €2.50 or €5, depending on card type.
The measures recommended under the National Payments Plan were designed to ensure that the payments environment here facilitates increased adoption of more efficient payment methods. The EU is creating a single market for payments across the Member States and my Department is now working on transposing EU measures on payments. The Payment Accounts Directive was transposed in September 2016 and it ensures access to a payment account with basic features for anyone who does not have a payment account. The revised Payment Services Directive (PSD2), which is due in 2018, will further open the EU payment market for companies offering consumer or business-oriented payment services based on access to payment accounts and ensure a level playing field for both existing and new players.
The work done as part of the National Payments Plan not only positions Ireland to take advantage of what is happening at European level but also allows actions on payments to be developed as part of the IFS2020 strategy. The IFS2020 Action Plan for 2017, published last week, contains several measures designed to grow jobs in the payments sector.
Mortgage Data
Ceisteanna (90)
Michael McGrath
Ceist:90. Deputy Michael McGrath asked the Minister for Finance the proportion of mortgages currently in arrears that are also in negative equity; and if he will make a statement on the matter. [5102/17]
Amharc ar fhreagraFreagraí scríofa
I have been informed by the Central Bank of Ireland that it does not publish a regular series of data on mortgages in negative equity. The Deputy will be aware that the Central Bank's Household Credit Market Report contains data on negative equity. The latest report is available at http://www.centralbank.ie/publications/Documents/Household%20Credit%20Market%20Report%202016H2.pdf and table 7 in the report presents the percentage of loans in negative equity split by default status. The data in the Household Credit Market Report are for 2015 and do not reflect changes to loan balances and house prices since December 2015. The Central Bank estimates that 15 per cent of PDH loans and 26 per cent of BTL loans were in negative equity at end December 2015. 10 per cent of PDH and 14 per cent of BTL loans were deemed to be in negative equity and performing.
I would also refer the Deputy to the Central Bank Report on Mortgage Arrears, produced in response to a request from me to the Governor and published on 16th December and which may be viewed at http://www.finance.gov.ie/what-we-do/banking-financial-services/publications/reports-research/report-mortgage-arrears-2016. This report includes an analysis of loan level data submission up to June 2016, including estimates of the proportion of PDH accounts currently in the legal process that were in negative equity.
In the mortgage market overall, the numbers in negative equity have been reducing and this has important implications for the wider economy such as improving mobility amongst those affected, potential greater spend on home improvements and maintenance, and increased consumption via the wealth effect.
Mortgage Arrears Rate
Ceisteanna (91, 92)
Michael McGrath
Ceist:91. Deputy Michael McGrath asked the Minister for Finance the proportion of borrowers in mortgage arrears of over 720 days who have not engaged with their lenders; and if he will make a statement on the matter. [5104/17]
Amharc ar fhreagraMichael McGrath
Ceist:92. Deputy Michael McGrath asked the Minister for Finance the proportion of borrowers in mortgage arrears of over 720 days who have not completed the mortgage arrears resolution process; and if he will make a statement on the matter. [5105/17]
Amharc ar fhreagraFreagraí scríofa
I propose to take Questions Nos. 91 and 92 together.
In respect of the proportion of borrowers in mortgage arrears over 720 days that have not engaged with their lenders and the proportion of borrowers in mortgage arrears over 720 days that have not completed the mortgage arrears process, the Central Bank only publishes information on the total number of mortgage accounts which are over 720 days in arrears. Therefore it is not possible to provide the requested breakdown.
However, I would refer the Deputy to the most recent Central Bank Residential Mortgage Arrears & Restructures bulletin to end Q3-2016 on the Central Bank website which shows that mortgage accounts in arrears of over 720 days have declined for 5 consecutive quarters, having fallen for the first time in Q3 2015.
In addition I would also draw the Deputy's attention to the recent Central Bank Report on Mortgage Arrears (see pages 28-29) http://www.finance.gov.ie/sites/default/files/Mortgage%20Arrears%20Report%20-%20FINAL.pdf which features information on borrower engagement and modification. This data (Box 3 in the report) is based on Standard Financial Statement data. Chart A in the report shows engagement (as per a noted definition) per Days Past Due cohort.
Banking Sector
Ceisteanna (93)
Michael McGrath
Ceist:93. Deputy Michael McGrath asked the Minister for Finance if his consent is required for the sale by a bank (details supplied) of certain non-performing loan books; and if he will make a statement on the matter. [5109/17]
Amharc ar fhreagraFreagraí scríofa
As the deputy is aware non-performing loans (NPL's) remain at an elevated level across the European banking system and addressing this issue is one of the key priorities for the Single Supervisory Mechanism (SSM).
In Ireland significant progress has been made across the banking sector in reducing the level of NPLs since the financial crisis. This has been primarily achieved by customers engaging directly with their banks and agreeing a sustainable payment plan which allows the customer an achievable path out of arrears, as well as protecting the value of the loan for the bank. In the vast majority of cases this achieves the best outcome for all involved.
Despite this progress, the level of NPLs in the Irish banking sector remains well above the European average. Hence the SSM has tasked the management and board of each institution with developing and implementing a strategy to address this challenge. In recent years banks have introduced multiple engagement channels to facilitate those customers who are reluctant to engage directly with them. Having exhausted these initiatives, if meaningful engagement is not forthcoming from particular customers the bank may be left with no option but to look at alternative solutions which could, as a last resort, include the sale of the loan.
As the deputy is aware, in the case of AIB the relationship between the Minister for Finance and the bank is governed by a Relationship Framework Agreement which can be found here: http://www.finance.gov.ie/sites/default/files/Allied-Irish-Banks1.pdf. I would point out to the deputy that there are only a small number of matters which require Ministerial consent such as the appointment of the CEO and Chairman of the Bank. The disposal of loans is a commercial decision for the management and Board of each individual institution and is not subject to Ministerial consent, as I have no role in the day-to-day commercial and operational decisions of any of the banks' in which the State has a shareholding.
The Relationship Framework Agreement also sets out the criteria for determining which matters require Ministerial consultation which include 'material' matters and states that a matter should be deemed 'material' if "it is an acquisition, investment or disposal other than in the ordinary course of business and the total purchase price, investment or proceeds is likely to exceed €100 million". Therefore if the bank decided to sell a loan book with a value over €100m then I, as Minister, would need to be consulted.
European Banking Authority
Ceisteanna (94)
Niall Collins
Ceist:94. Deputy Niall Collins asked the Minister for Finance the discussions he has held with the European Banking Authority with regard to a possible relocation to Dublin; and if he will make a statement on the matter. [5167/17]
Amharc ar fhreagraFreagraí scríofa
Since the Government's public declaration of interest, my officials have been engaging with relevant stakeholders in order to further progress the goal of relocating the European Banking Authority to Ireland post the completion of the negotiations between the EU and the United Kingdom.
These meetings have included a meeting with the European Banking Authority and the European Commission in order to highlight the benefits of relocating the Authority to Ireland. The meetings have also sought to determine the needs of the European Banking Authority and its staff, when they are moved from London.
The Department's role in promoting Ireland as a location of choice for the EBA is outlined in the current IFS 2020 strategy. As part of this strategy, the Minister of State is meeting with the Executive Director of the European Banking Authority this week.
Finally, I would like to point out that the ultimate decision on relocation of the European Banking Authority will be made by both the European Council and Parliament and will be linked to the triggering of Article 50 by the UK and subsequent negotiations between it and the European Union.
Mortgage Data
Ceisteanna (95, 96, 97, 98)
Michael McGrath
Ceist:95. Deputy Michael McGrath asked the Minister for Finance the number of mortgage accounts identified by a bank (details supplied) in which the customer has been wrongly denied a tracker rate; the number of mortgage accounts in which the incorrect tracker rate is being applied; the number of such accounts in which the customer now has the correct rate applied to their account; the number of accounts in which the customer is still not on the correct tracker rate; and if he will make a statement on the matter. [5208/17]
Amharc ar fhreagraMichael McGrath
Ceist:96. Deputy Michael McGrath asked the Minister for Finance the number of mortgage accounts identified by a bank (details supplied) in which the customer has been wrongly denied a tracker rate; the number of mortgage accounts in which the incorrect tracker rate is being applied; the number of such accounts in which the customer now has the correct rate applied to their account; the number of accounts in which the customer is still not on the correct tracker rate; and if he will make a statement on the matter. [5209/17]
Amharc ar fhreagraMichael McGrath
Ceist:97. Deputy Michael McGrath asked the Minister for Finance the number of mortgage accounts identified by a bank (details supplied) in which the customer has been wrongly denied a tracker rate; the number of mortgage accounts in which the incorrect tracker rate is being applied; the number of such accounts in which the customer now has the correct rate applied to their account; the number of accounts in which the customer is still not on the correct tracker rate; and if he will make a statement on the matter. [5210/17]
Amharc ar fhreagraMichael McGrath
Ceist:98. Deputy Michael McGrath asked the Minister for Finance the number of mortgage accounts identified by a bank (details supplied) in which the customer has been wrongly denied a tracker rate; the number of mortgage accounts in which the incorrect tracker rate is being applied; the number of such accounts in which the customer now has the correct rate applied to their account; the number of accounts in which the customer is still not on the correct tracker rate; and if he will make a statement on the matter. [5211/17]
Amharc ar fhreagraFreagraí scríofa
I propose to take Questions Nos. 95 to 98, inclusive, together.
As the Deputy is aware, the Central Bank of Ireland announced in October 2015 that it would conduct a detailed review of Tracker Mortgage portfolios with all the banks under its supervision. The Central Bank sought to conduct a broad examination of tracker mortgage-related issues covering, among other things, transparency of communications with and contractual rights of tracker mortgage borrowers.
This review is currently underway, and the Central Bank is working with the banks to conduct a comprehensive examination of customer mortgage accounts with regard to tracker rates, including any instances where banks may have failed to deliver on their obligations to customers. Such instances may include cases where the bank was not sufficiently clear with customers on their terms and conditions, or where they have failed to honour contractual commitments.
The Central Bank has laid out a detailed and rigorous process for each institution to follow. The identification of affected customers, implementation of any appropriate rectification actions, as well as the calculation of any appropriate interest redress or compensation, are all processes currently being worked through by the banks. The review also involves oversight of each bank's work by an independent third party, and the establishment of an independent appeals process. Further, the Central Bank continues to review and monitor each institution's progress at every stage. It is possible that different banks will progress through the review process at different speeds.
I expect that the Central Bank, and each of the institutions involved, will provide information periodically on steps taken and progress made. The tracker mortgage review is an ongoing process involving the banks, their regulator and any affected customers; I have no direct role in its implementation. It is therefore not possible, nor appropriate, for me to speculate at this time on the number of customers that may be affected and the Deputy will appreciate that this information is not held in my Department.
Below is a brief update from each of the banks in which the State is a shareholder:
AIB
"AIB is conducting a comprehensive review of customer mortgage accounts with regard to tracker rates. This process is ongoing. AIB s review has found the bank fell short on its obligations to some customers. In order to prevent further detriment for the customers identified to date, AIB has in the first instance begun correcting interest rates on these accounts and writing to customers to outline their new interest rates and repayment amounts. Approximately 50% of the impacted customers are EBS and the remainder AIB. You will note that AIB s CEO Bernard Byrne recently told the Joint Committee on Finance, Public Expenditure and Reform and Taoiseach that, based on an assessment of the work done to date, 14 customers may have lost their homes as a result of having the incorrect rate applied to their mortgage accounts. AIB is contacting these customers to agree appropriate compensation measures. The process involved an examination of tens of thousands of accounts and is being conducted in accordance with Central Bank of Ireland guidelines. As the review progresses, AIB is commencing refunds to customers who overpaid interest and is paying compensation. Details of a set payment towards the cost of independent professional advice will also be made available to customers and the bank will establish an independent appeals process. An independent third party, KPMG, is reviewing key aspects of AIB s work. The overall review will take some time to complete. AIB has put in place a customer Freephone Helpline 1800 235 460 (Mon-Fri, 8:00am-7:00pm) to assist with any queries its customers may have."
PTSB
In July 2015, following an enforcement investigation by the Central Bank of Ireland, Permanent TSB announced that it had identified 1,152 mortgage accounts which it deemed should be offered the opportunity to move from a variable rate to a tracker mortgage rate because of concerns about the potential impact of administrative failures including the failure to provide full information to some account holders about the consequences of certain choices the account holders were taking earlier in the term of the accounts. All these accounts were moved to the correct interest rate from that date.
Following this exercise, the bank commenced a review of all mortgage accounts to identify whether any other errors relating to mortgage accounts required correction and/or redress. The bank is also cooperating with the Central Bank of Ireland in respect of its industry wide review of tracker mortgages. The bank will update the market on the progress of these exercises in due course.
Bank of Ireland
In 2015 the Central Bank of Ireland announced that it would conduct a Tracker Mortgage Examination with all lenders in Ireland. This examination is underway, and Bank of Ireland is co-operating fully with it. On December 16 2016 the bank provided an update on the examination process. This update is available at: https://www.bankofireland.com/about-bank-of-ireland/press-room/press-releases/item/571/statement-from-bank-of-ireland-regarding-the-central-bank-tracker-mortgage-examination-process/#december.
In respect of the other bank referred to by the Deputy, as I do not have a shareholding in that bank nor a relationship framework agreement with it. I am therefore not in a position to provide any data for that bank.