Ms Jane Howard:

We have made a very deliberate decision not to deal with a non-performing loan until we deal with the performing aspects. The reason we made that decision was to give as many customers as possible the opportunity to engage with us, move to performing status and be included within the performing asset sale. We deliberately put dealing with the non-performing loans to the back of the work we are doing. It is unlikely to happen in 2022. It is more likely to happen after that time. We do not have a definitive time at the moment because it will depend on the completion of the other transactions. However, we will come back to the committee and let it know when there is something to say on the non-performing loans sale.