Mr. Stephen Groarke:

Danièle Nouy is on public record. While she and her colleagues are always very careful not to be very specific when they speak in public, in a public speech in January Danièle Nouy gave a speech entitled, "If not now, when?" She would cite the positive economic environment as being conducive to banks reducing their NPLs. That is intended to be a signal to both the banking sector and to wider society. That underlines the urgency with which they communicate this.