Mr. Paul Stanley:

Our NPL ratio is around 17%. There are various moving parts, but I estimate that it will come down to around 11% or so. We still have a journey to travel in achieving the guidance ratio from the ECB of around 5% which can be achieved in other ways. As I said, we are going through the book again to find sustainable forbearance solutions for customers. It is a ratio; naturally, therefore, as the balance sheet grows, as thankfully it is starting to do, in part it resolves itself.