Mr. Shane O'Sullivan:

We had 18 repossessions this year, and 36 last year. That is 54 in almost two years. This is a bank that has had 26,000 customers not repaying their mortgages. This figure of 54 in nearly two years from over 26,000 customers, or over our entire customer base of 155,000, says the bank is trying to do everything to find solutions. Compare the figure of 54 repossessions to the 24,000 restructures we have put in place. I hope it gives a sense that we come to work every day to find restructures. It is our priority, our mind set and out intention, although it is not always possible to do it, and this is what leads, inevitably, to the 54 repossessions we have, unfortunately, had to ensure happened during the past two years.