Mr. Aidan Carrigan:

The criteria to be applied here will not be based on state ownership or where the bank is located. They will be based on independent criteria looking at the quality of capital and the extent of risks. We would be expecting, as the financial crisis clears and financial markets settle again, that banks in temporary state ownership will be moving back into the private sector. It is the quality of the capital, the quality of the loan book and the riskiness of the activity that are expected to be the criteria.