Dr. Colin Hunt:

We have a clear desire to work in an agreed way with our customers in the resolution of these difficult cases. We have a larger suite of solutions than any other bank in this State and, as Mr. O'Keeffe mentioned earlier, we are continuing to work on increasing the range of available solutions. We want to come to an agreement with our borrowers who are in difficulties and that is our primary objective in this area. At the same time, there is an overriding requirement to deal with the issue of non-performing exposures which means we cannot rule out any option in addressing this challenging issue.