Mr. Mark Bourke:

The best way to answer that is to say that, in 2012 and 2013, one would see cumulative losses or losses in each period of €2.5 billion, €4 billion and €1 billion, and our first year of profitability was 2014, two-thirds of which was enhanced by things that are once-off and not necessarily sustainable. In that sense, we had to get the business back to profitability. Yes, it is down to not eroding shareholder funds or having an unsustainable bank.