Mr. Bernard Byrne:

The update would not be any different from the last time that we had this conversation which is that, overall, we have a programme to normalise our non-performing exposures, NPE, at the back-end of 2019. That is our commitment. It is a public position. We are working through that. The majority of what we do is through individual case-by-case restructuring activity, but we have kept the issue of portfolio sales open. I might turn to my colleague, Mr. O'Keeffe, for any comments he would like to make on it but we do not have any update on that position at this stage other than to say that we are aiming for the target set for the end of 2019. We are making good progress, which is what we said in the trading statement, across our overall non-performing exposures, which is obviously helped by the position of the economy. Increasing employment and increasing asset values make it easier for customers. That is all progressing well and is indicated on our statement.