Ms Francesca McDonagh:

The Senator has asked a few questions, so let me try to take them in turn. We have 20% to 25% market share in construction. We would like to support more of our clients in building property. I could not agree more with the Senator in that regard. We also provide self-build mortgages to individuals in excess of the 3,000 figure. We agree that a healthy, well-functioning and fairly priced housing market is in everyone's interests - the economy, the Government, individuals and the banks. Obviously, we exist to serve society. Having a property market that is healthy, sustainable and appropriate is in everyone's interests. This has been a key part of the strategy that we have set out. Since I have been in my role, I have been examining the strategy and what we want our growth to be. I have been explicit about that growth.