Ms Jane Howard:

Whether the loan books and assets are transferring to AIB or whether they transfer to Permanent TSB when we get to binding agreement, they are subject to CCPC approval. Once that approval comes through, we then have to provide our customers with a notification period. We have plans to complete the majority of the asset transfers to both AIB and Permanent TSB, assuming we get to binding agreement and assuming that the CCPC approvals come through. As the Deputy will appreciate, we have drawn up scenarios where that might happen at a later date as well. We have plans and ideally we would like to see the majority of the assets moved next year but clearly it depends on getting regulatory approvals.