Mr. Eamonn Crowley:

The timeframe is not defined. It is flexible by way of our approach as we gather interest and understand the ins and outs of the portfolio. It is quite a large portfolio. In that regard, we stated earlier that our regulator expects us to reduce NPLs over the medium term. We have to complete this project over the medium term. It is our ambition that it happens this year but based on the nature and size of the portfolio, we know that things can be drawn out and delayed for lots of different reasons so we await to see how that evolves.