Mr. Wim Verbraeken:

The extra capital will be included in the requirements and it will have an impact on the amount of capital we need to hold for every euro we lend. I do not see that there will be an impact on the business or strategy of KBC because we comfortably meet the current capital requirements. The Central Bank believes that to be the case for every bank and lender in Ireland. I believe the decision was made in the expectation that there will be no practical effect on the appetite to lend.