Mr. Wim Verbraeken:

They are paying at least the interest on the loan. Sometimes that is the best they can do at this point and we work with that. Not all the customers who cumulatively owe €4.6 billion are zero payers. We work with those customers, as we have with all customers in financial distress since the outbreak of the financial crisis, whether corporate, SME or retail customers. That did not stop us launching the retail bank in 2013-14, rolling out a full suite of retail product features, investing in technology and upgrading our core banking system, launching new apps or recently launching a proposal for micro SMEs. We have devoted significant resources to the issue and Mr. Mahon heads a team of more than 100 people, along with others in the back office, who look after these legacy portfolios, but that has not stopped our ambition to challenge in the banking market in Ireland.