Ms Derville Rowland:

We would take an approach where we deal with a wide range of issues right across all the different areas that we supervise. We take robust supervisory action where we see issues arise that have to be dealt with and we supplement our approach with robust enforcement actions across a variety of issues where we think the enforcement actions will support credible deterrents. I have already referenced some of the outcomes that we have taken. Where issues arise, we expect them to cease and we take a whole range of necessary actions within supervision in accordance with the magnitude of the issue.