Mr. Richie Boucher:

Page 26. It is a confirmation of the capital strength of the group, which is very important, obviously to give security to our depositors and other providers of services and also to demonstrate that Bank of Ireland is very strongly capitalised to be able to achieve our strategic objectives in Ireland and in our other businesses.

From the questions we received in advance from the committee, appropriately, there was a significant focus on asset quality and mortgages in particular on our Irish mortgage books. We have responded to those as best we can in the questions and we tried also to provide updates on that in the pack.

Slides 28 to 43 provide a mix of the position at the end of June, and wherever we have been able to do it, we have brought it up to date to the position at the end of September. I am advising the market that the information at the end of September is new disclosures.