Mr. Mark Burke:

The expected annual provisioning level would be about 32 basis points of the total book.

As for getting our impaired loan book to a certain level, if 17% of our total book is still non-performing and the European average is 5.7%, then our ultimate target over three to five years is to get to that level. It must be remembered that is a level for the entire portfolio of €11 billion of impaired loans. This is €6 billion of SME, land and development, construction and PDHs. It is the total number that we need to take down to that €3 billion or €4 billion level.