Mr. Richie Boucher:

Our experience has probably been significantly less than we have seen elsewhere in terms of Bank of Ireland buy-to-let lending and being banker to the core business. We come across situations where we are the banker to the core business but buy-to-let borrowings have been provided by other banks and we were uncomfortable with providing them at the time they were given. We try to ensure cashflow is retained within that business and the buy-to-let aspect must be dealt with by the bank that lent the money.