Mr. Bernard Byrne:

Let me make two other comments on that. First, plenty of other mistakes were made that went the other way. We do not talk about them, nor should we, because they are issues where we found that the bank was equal in terms of the flaws on the other side. Those are issues that clearly are not of importance in terms of fixing a customer issue because the customer benefited and he or she kept that benefit.

Second, because of the size of the bank and its balance sheet, it is very hard to make a small mistake. Any mistake that is made will end up being a big financial mistake. It is a business that makes in excess of €1.2 billion of operating profit. We have a balance sheet of close to €100 billion. Therefore, a very small mistake multiplied by that will mean we will end up dealing with large numbers.