Mr. Ale? Bla?ek:

On the first question related to our sale of non-performing assets, we have as an institution always preferred to come to a suitable arrangement for the debtors or customers. That has been our first priority and we have worked with our customers diligently. We have a number of processes respecting all aspects of this.

On the sale to CarVal, which will be administered by Pepper Finance, it needs to be stated that Pepper Finance is regulated in the same way we are regulated and is subject to the same regulation regarding conduct in respect of mortgages. It is bound by oversight of the Central Bank of Ireland and based on my interaction with Pepper Finance, it is apparent it takes that oversight extremely seriously. I have no reason to believe the customers will be in any worse position than they are with KBCI.

The other-----