Mr. Jim O'Keeffe:

Where we do not have true engagement, we have not solved the issue. The Deputy referred to non-payment but, as we discussed earlier in reply to another of his queries, some payments on loans are coming through but they are not meeting the requirements of the loans. If the customer engages with us and allows for some adjustment, those payments could be those required to restructure the loan, but the customer needs to give us that opportunity. Some customers have engaged meaningfully with us, that is, they have provided information. The committee asked whether we are reaching a difficult part of the book in respect of reaching solutions. The solutions we can provide are no different. There are challenges with engagement and, very often, the non-provision of information. That is the key. Once we have that information, it allows us to get to the point of having a restructure and does not require us to put it into a portfolio.