Mr. Mark Bourke:

On the question of whether we are working on the rating, there is a constant engagement with the rating agencies to give them a deeper understanding of the progress the bank is making in its path to normalisation. That involves, first, working through a large portfolio of non-performing loans and, second, having a sustainable business model. That is ongoing and we have improvement on that.

Accessing low-cost ECB funding is very much driven by the TLTRO, where the-----