Ms Francesca McDonagh:

That 75% reduction since the peak in impaired loans has been achieved through working with our customers on finding solutions and helping customers in distress. We have not sold any loan book during that period with the exception of one in 2014. That was part of the EU restructuring deal and was for a relatively small amount of about €200 million. We have consistently managed our loan book through working with customers. There has also been the backdrop of an economic recovery, which also has helped many customers to be in a stronger financial position.