Mr. Shane O'Sullivan:

I do not think that is the case. Today, our slide presentation clearly stated that there are loans associated with 2,700 properties where there has been no engagement by the customer. For that particular cohort the average amount of arrears is €50,000 and they are five years in arrears. We are also saying today that there are loans for sale where the customer has engaged with the bank, and there is no denying that. Those loans, for the technical reasons that my colleague described earlier, are still identified as non-performing loans. The bank is bound to reach a 5% non-performing loan figure within the medium-term.