Mr. Eamonn Crowley:

With regard to the pandemic itself it is too early because as I mentioned we are providing customers with some breathing space until we see how the economy reopens. We are aware this relates to a couple of key sectoral areas which the committee will be well aware of also.

On solutions for customers whose issues arose from the financial crash, this is an area on which we as a bank have engaged extensively with the committee in the past, particularly around the whole area of non-performing loans, NPL, classification and the requirement for banks to reduce NPLs. We have reached solutions with customers and we continue to reach them, for instance in the mortgage to rent area where we have customers who continue to take up that opportunity to resolve their situation. It is an ongoing engagement with customers.