Mr. Martin Stapleton:

He will thank me in that case.

As I understand it, what a non-performing loan means when it comes to the sale of loans is that any loan that is 90 days in arrears or connected to a loan that is 90 days in arrears is a non-performing loan, as is any loan where a bank takes a view that it is unsustainable without a secured asset sale. This definition is much too broad.