Mr. Richie Boucher:

Thank you. Late arrears constitute a significantly higher proportion than the equivalent section of the owner-occupier book, but nevertheless it is 8%. Forbearance and overpayment constitutes 4% of the book, and legal and resolution processes constitute 7% of the book. In the case of buy-to-let mortgages, we have approximately 1,100 to 1,200 rent receivers appointed.

In our accounts at the end of June, we gave approximately 13 or 14 pages of quite densely packed but comprehensive analysis of our mortgage books, particularly focusing on forbearance treatments. To assist the committee, we have tried to bring that information into one concise page, and the rest of the information is also available from accounts. I can give it to the committee if it would be of benefit later. We can provide some further detail of the assessments we have done since June, including SFS assessments since July and the proportion that has move into restructuring, etc. Would that be of assistance?