Mr. Ian Black:

If SME customers are unhappy, they should appeal it by following the internal process and through the Credit Review Office. I have also told Deputies to reach out to SBCI and we will follow up on their behalf with the pillar banks on why there are those delays. I will separately follow up with the pillar banks in terms of the delays the Deputy mentioned as well.

As regards arrangement fees, I am not familiar with the detail. There is a maximum interest rate which should include the amortisation of that arrangement fee.