Mr. Bernard Byrne:

The figures disclosed here are total remuneration excluding any contributions for pensions. The only pension contributions we have are defined contribution benefits. In my case, my salary and package on an annualised basis, because last year contained a half-year number, is €500,000, and I have a defined benefit contribution of 20% on top of this. On a normalised basis this is €500,000 plus €100,000 which equals €600,000. For all other members of the bank their defined contribution rates vary from 12% to 20%, depending on individual circumstances. The remuneration here is all cash, and all forms of annual pay have been included.