Dr. Colin Hunt:

At the peak of the crisis, our non-performing exposures as a percentage of gross loans was 30%. It threatened the viability of the institution. It is now just above 3%. The last number we announced to the market, in June last, was 3.2%. The pre-Covid non-performing exposures are down to 0.2% or 0.3%. The historical issues are now largely dealt with. We have a strong preference to continue to work on a customer-by-customer basis to try to put agreed restructurings in place. We cannot rule out future sales but they will be small, both in number and in scale.