Mr. Eamonn Crowley:

The statement is inaccurate. The breakdown of the 1,000 relates to loans that are not sustainable, where no treatment was possible or loans where there were long-term arrears or "other". These, unfortunately, were customers who were classified as unlikely to pay in the future or to satisfy the debt. There are also some loans that were originally classified as buy-to-let but which had switched into primary dwelling houses but in effect, they are all non-performing. They are all classified as non-performing.