Dr. Colin Hunt:

I will try to answer as many of those questions as I possibly can. At the start, I mentioned a figure of approximately €500 million in the first half. It was very close to that. Much of this was driven by the unwinding of a provision we had taken in respect of potential losses arising from Covid.

With regard to our regional commitment, this obviously remains in terms of the physical presence of branches but we are also investing in regional hubs to provide more and more functions outside of the nation's capital. We are very much in the business of providing credit to our customers. Ultimately, we are a credit institution and we live and die by the success of our customer relations and providing our customers with levels of credit that are affordable.

Our fees and commissions are a fraction of those charged by other European banks. They are already very low compared with those of other institutions, and particularly European institutions, right across the product range.