Ms Ann Nolan:

Permanent TSB and AIB. There is a meeting with Bank of Ireland also, but we would not go into as much detail there because we do not have as big a shareholding. That is done through the shareholder management unit. It would typically put the same kind of questions about profitability, organisation, strategic direction and so on, as would be the case for any other shareholder, except obviously it would be for our own benefit. In addition, the banking unit in the Department has a relationship, which is quite separate, with all the banks, regardless of whether we have a shareholding in them. This would be with respect to lending to small and medium-sized enterprises, mortgages and so on, and would go across all the major banks, including Ulster Bank, KBC and so on, and that would be separate from the shareholder relationship and it is treated separately from the shareholding issue. It has to do with how banks are interacting in the economy.