Mr. Wim Verbraeken:

We made provision for a figure of circa€4 million in 2016. It was related to fewer than 100 cases which had been considered to be impacted on in our report to the Central Bank by the end of September 2016, the phase 2 report, as we clarified here in February. We then engaged in a process in which the Central Bank challenged KBC on a number of assumptions. Ultimately, we landed on a figure of circa3,000 cases which had been impacted on. The figure of €120 million, most of which was provided for in 2017, was related to the specific increase. The increase was proportionate to the progress of work throughout the examination. By 2016 we did not have any feedback from the Central Bank on what we had submitted in September. As I said in my opening statement, we are still going through a process of responding to the Central Bank on a number of questions related to the administrative sanctions procedure, with the questions related to what happened and how and why it happened. As this process has not yet concluded, it would be premature for me to make any statement on it.