Mr. Peter Roebben:

We have 55,500 live mortgages. I am going with rounded figures. Of these, 85% relate to people who continuously pay off their mortgages quite normally. We tend to forget about them, but they work very hard every month. It is not that easy for them to make their repayments but they do it. Another 5,500 mortgages, or 10%, are performing perfectly under some kind of restructuring solution - in other words, these customers are engaging with us and meeting those terms. This leaves 3,300, or 6%, of the book, which is really the group of customers in the gravest difficulty. This is, I think, what the Senator is pointing to, and I fully understand her doing so because these are very distraught and difficult circumstances. Half of this group engages with the bank, so we have communication with them and try to work through issues. The issue is that there is, of course, a limited group, 1,500 customers, in respect of which there is absolutely no communication or engagement. Yes, we realise these are very difficult circumstances. If, however, there is engagement and communication, solutions are found. We have put in place a whole range of resolution options, or temporary solutions, to get borrowers over such difficult periods. It is possible but it requires that both parties have that communication and seek that solution.