Mr. Ed Sibley:

The Senator talked about a number of things, including products that have been sold and more complex products than mortgage lending. There is a very clear code of conduct in place to protect SMEs. It was first issued in 2009, I think, and updated in 2015. If banks are operating in breach of that code, then we would take action. I am not aware at this stage of any significant issues in the banks. There is an open engagement, which is in the public domain, in respect of RBS. We continue to make sure that we fulfil our mandate from a consumer protection perspective.