Mr. Liam McLoughlin:

We have almost 1,000 people working across our SME and our mortgage business in regard to working for solutions. As stated earlier, at the end of December just over nine out of ten of our SME customers had solutions in place, 28% of those were in the insolvency space but the remainder were solutions that kept the business operating in a trading manner after the initial arrangement was agreed with the customer.

About 750 of the 1,000 people are on the mortgage arrears side. All of them have been through an extensive training programme. In terms of the make-up of those staff, we have over 100 network account managers in branches who deal with customers in regard to dealing with their mortgage arrears. We have a similar number in regard to SMEs. All of them have been through a variety of training programmes on how to deal with customers in financial difficulty. Those programmes include us working closely with a number of experts outside the country who have experience in similar financial difficulty cases. We have worked closely with the UK asset resolution team in the midlands. That 86% of our solutions are still in place is testimony to the fact that there is a good process in place, and it is working.