Ms Jane Howard:

Often when we engage with these customers we will find that there is a way to support them, and to potentially restructure their debt and get it on to a reducing amount over a period. It could be that they can get a smaller overdraft with another bank or another financial institution. Until we have helped them on a case-by-case basis we do not know what the number would be. Ultimately, there probably will be some customers who either do not engage or we are not able to help and so it will be important that we then follow the SME regulations.