“One of the more urgent issues that week,” is how Niall O’Grady, former marketing manager at PTSB, framed the first query from a broker on the bank’s tracker mortgage rates in early 2009. “I know in retrospect it has become a very significant issue but at the time there were other issues that seemed more of a challenge than this,” he added. O’Grady, the first witness to give evidence at the public hearings of the Central Bank inquiry, reported directly to PTSB’s David Guinane, the former chief executive accused of participating in a regulatory breach in the allegedly unfair handling…

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