Ms Francesca McDonagh:

Mr. McMahon will expand on the detail but I will comment broadly. We are committed to working with our customers if they are willing to work with us. Our desire is to keep people in their homes. We have a track record that is unrivalled in Ireland in respect of working with our customers to improve their situation. Nine out of the ten times that customers have financial distress in respect of their mortgage, we find a solution that holds. We have a track record of considerable resources and experience associated with this and we consider all avenues to find a sustainable solution for the customer, as demonstrated by our reduction of approximately 80% of NPL exposures from their peak. Without knowing the details of those cases, it is difficult to understand the exact context or situation. We would be happy to examine individual cases.