Mr. Wim Verbraeken:

First, we assume that all customers who have indicated that they believe they have been harmed by the bank's action have genuine concerns and their aspirations are genuine. With respect to customers in financial difficulties, we have a very significant programme that has been running for years to engage with customers. As I indicated earlier to Deputy Pearse Doherty, we have taken steps to isolate customers who would be in the scope of the examination from the normal proceedings that would take place with customers specifically related to loss of ownership, whether it is voluntary or through the legal route, to ensure that the harm is not further compounded by actions of the bank. Obviously, as soon as we have determined whether a customer is among the affected category, we will deal with that case specifically taking into account the responsibility of the bank in that respect.