Kieran O'Donnell (Limerick City, Fine Gael) | Oireachtas source

Mr. Brown is able to break down the costs of borrowings in terms of giving an explanation as to why there is a lower charge in the North than in the Republic. By definition, therefore, Mr. Brown should be able to give us a breakdown of the difference in net interest margin between the North and the Republic. He is relying on a global composite picture for the net interest margin across the group, yet he is giving an explanation for why the bank is giving a lower rate in the North based on the cost of funds being less in the North than in the Republic. To be consistent, he might give us a breakdown of the net interest margin between the Republic and the North.