Mr. Jeremy Masding:

The words I have used every time I have been in front of the committee are that I am, by nature, a conservative banker. Any provisional write-back would be very much at the lower end of the curve, so I do not foresee any issues with Permanent TSB and the Central Bank of Ireland. In summary, we may be profitable optically sooner than 2016. Obviously, what I care about - this is also a response to Deputy Michael McGrath's question - is that I want to bring some investors in who believe in the long-term story of this organisation. For me to deliver big profits, low profits, big profits, low profits - that is no way to run a bank, and I am not really interested in that.