Ms Jane Howard:

In terms of the non-performing loans, we have worked with customers very much on a one-to-one basis, using all the tools available. All customer circumstances are different. We are very much open to examining the different options that are available and what is right for each customer. We update the Central Bank regularly. I was with the supervisor only a couple of weeks ago updating her on what we have delivered this year and what we have achieved. I shared some of the best practices that seem to have worked well. We are constantly changing things to try to get more customers to engage. The Central Bank was aware of exactly what we were doing.