Mr. Alan Dukes:

On the broad figure side, I refer the Senator to the middle paragraph on page 3 of the document. Impaired loans on our books amount to €18 billion with cumulative impairment provisions currently at almost €11 billion. Impaired loans are 66% of our balances. We have impaired loans of all sizes on the balance sheet and we have a rigorous annual discussion on the kind of provision we make for impairment which is closely discussed with our auditors. So far, looking back at our realisations on the market compared with the kind of provisions we have made on loans, we feel we have been reasonably near to the mark in making the provisions in the first place. It may vary a bit on individual loans.