Mr. Gabriel Makhlouf:

It will be up to the banks to decide what they want to do with their loan books. As I said, the interests of the borrowers are protected irrespective of who owns the loan.

In terms of support for those who are in distress, the most important thing they should do is enter into early discussions with their lenders. The Government has put in place a number of different measures since the start of the pandemic, which are available. If those do not work, however, my advice is that they should engage was early as possible with their lender and arrive at suitable arrangements for them.