EARLIER TODAY THE Central Bank revealed that 97,874 mortgage holders are in arrears over 90 days.

Included in the statistics are these two charts that show how the problem has grown since September 2009.

Four years ago, just 3.3 per cent of mortgages were in arrears over 90 days. Today, that figure stands at 12.7 per cent. No single quarter has seen a fall since September 2009.

Can’t read the chart? Click here.

Also included in the report is a chart that shows how banks are moving to restructure the mortgages.

There were over 79,000 mortgages classified as restructured up to the end of June.

Many of the restructures are not long term solutions, with just 306 split mortgages and just 254 had been given a permanent interest reduction.