Mr. Ed Sibley:

As borrowers in distress have engaged with their lenders, individual circumstances have been considered and restructuring has taken place, where required. It is not a straightforward exercise; it requires engagement on both sides and there is judgment associated with, it but we have not seen evidence that banks have been stonewalling their customers because they think the loans may be sold in the future. In fact, I would say the banks are not at all incentivised to do so.