Mr. Myles O'Grady:

Deputy Donnelly is correct that the bank was capitalised under the prudential capital assessment review to be able to deal with such issues. If we take the position in June 2013 as a snapshot, our capital base is well ahead of the minimum regulatory requirements and that is in order that we are able to deal with these issues as they arise. The bank has disclosed and reported total provisions of €16.7 billion on its balance sheet. That includes approximately €3 billion relating to mortgages.