Mr. Liam McLoughlin:

The SME sector is critical to the bank and we are investing significantly in it in terms of both resources and supports. More than €12 billion of the €33 billion about which we spoke is geared towards supporting the sector, which is a support for jobs and employment in the economy.

I would like to clarify that at the end of December we reached a target of nine out of ten where we had in place solutions and that we are now working through these customers. The figure of one in ten relates to time. We tend to get to all of these customers also. It is not the case that they are not for saving or proper resolution. It is a case of we reached nine out of ten and are now working in 2014 through the remainder of the portfolio and will do so in a proactive manner.