Mr. Mark Bourke:

Yes. We have other debt and subordinated liabilities which amount to about €3.5 billion and €18.6 billion, respectively. We then have deposits by other banks, which stand at a de minimuslevel of about €300 million. All of this adds up to the 1.57% figure. The important issue on which we must concentrate is that the difference between the yield on our loans, in other words, the rate at which we lend, and these costed funds is about 1.33%. Approximately 70% of this is to cover cost. In a normalised world, another 20% of that would be a normalised cost of risk. The remainder is our sustainable profit level.