Mr. Marco Buti:

I mean, the ... it is true. I mean, you are correct in stating that the return to profitability has been slow. It has been slow also because, I mean, we have ... I mean, the working out of very large non-performing loans, the reduction of the loss-making activities has taken time. So the banking sector has remained, I mean, loss-making 'til the first half of 2014. Now, does it mean that there is an excessive risk aversion? And, let's say, that there has not been sufficiently, you know, supply of funds to the SME - possibly but not necessarily. I mean, the ... on the issue of SMEs, the system in Ireland is such that there are also other sources of financing which are available and actually we are trying in the euro area, via the initiative on completing the capital market union, to increase the source of finances. I mean, the ... so there is an element here not only of supply side on the part of the banking system, but also on the demand side on the part of SMEs. So, overall, I think the judgment is ... has to be nuanced on this assess.