Mr. Wim Verbraeken:

A bank such as KBC Bank Ireland, previously IIB, would have a number of subsidiaries, sometimes special purpose subsidiaries. When it comes to mortgage lending, the historical mortgage lending before the financial crisis was conducted through an entity called IIB Homeloans, which was then renamed KBC Mortgage Bank, before being absorbed into KBC Bank Ireland plc. All the mortgage lending that is still on the books of the bank is within KBC Bank Ireland plc.