mortgage panel data to assign performing loans into the appropriate stage. Using this technique, we characterise approximately … 30 per cent of the performing Irish mortgage portfolio at end-2015 as Stage 2.We then calculate backward-looking, static …

debt resolution process in the Irish mortgage market in the lead up to the COVID-19 shock. We highlight the widespread … engagement of Irish borrowers with debt resolution mechanisms during a decade in which one sixth of mortgage accounts were … restructured by 2016. Lenders favoured short-term mortgage modifications at the beginning of the decade and three-quarters of …