Mr. Jim Brown:

There are two parts to the Deputy's question. First, let us look at where we are at with Ulster Bank. We have some legal real estate issues which we are dealing with. We have set up an internal bad bank to deal with them, which is called RCR. We are looking to wind the portfolio down over the next three years but we will do so in an orderly way.

We will do that in an orderly way. It is not in our interests to do anything other than that. As part of that, there will be hotels that we will bring to the market and they are primarily those built as part of the boom that have real estate issues. Separate to that, we are supporting lending to the leisure sector, which includes hotels, and we are more than happy to provide credit and underwrite good businesses in that sector.