Ms Jane Howard:

In terms of our overdraft customers, obviously we recognise that some of these customers may be concerned. First of all, in October of last year, we reached out to about 1,000 of them where we felt they might need support because of heavy reliance on their overdraft. In recent weeks, we have sent a text message to about 30,000. We do not think they have heavy reliance or that they are in financial difficulty, but it is just to see whether they were sorting out their accounts with another provider and whether they needed any support or time.

On the insights on where we are, we have about 58,000 customers with an arranged overdraft and we have seen that reduce significantly. What we have seen as they have opened accounts elsewhere is they have got an arranged overdraft with another bank. They are good for the credit. They are not the problem or the ones we need to be concerned about. We also have about 39,000 customers who have an unarranged overdraft. Typically, that is somebody dipping in and out of an overdraft within a month and for less than €100.

In terms of the customers we are concerned about and on the question of what happens if they have not cleared their overdraft when the six-month period comes to an end, we will write out to them. Obviously, we are contacting them all the way throughout.

We will write to those customers again at that time to see if they need a further 60 days either to clear the overdraft or to contact us if they require additional support. As the committee will be aware from previous conversations about us helping mortgage customers, for example, we have 200 specialist staff whose job is to help customers in financial difficulty to see if they can restructure the debt. It might be the case that some customers need to restructure that debt as a reducing loan. It might be that they need help with refinancing but-----