Ms Ellvena Graham:

With regard to the Deputy's question about North and South, on both sides of the Border demand is increasing. While confidence is fragile, we see a good uptake in agriculture on both sides. In the North, thankfully, unemployment did not increase to a great extent, but there is still a very high reliance on the public sector. Agriculture is strong, as well as food and drink, and exports are not quite as strong in the North as in the South but there is a good uptake. The volume is about three times greater on both sides of the Border versus this time last year. There is a Government product for lending in the North, called funding for lending. That means we can give out loans where there is a 1% reduction in the margin and there are no arrangement fees. We find that product very successful in Northern Ireland. We have lent more than €150 million under that product since it was launched in September 2012. That has been a very good product for us, to which we signed up at the very start. More than 1,000 customers have availed of it in Northern Ireland. We are seeing a good uptake on both sides of the Border.