Ms Elizabeth Arnett:

To add to that on business customers, we have, as members know, a portfolio sale of commercial loans going to AIB. We have a facility now that if the customer opens their current account with AIB then the overdraft can be moved automatically. We also have some business loans for smaller businesses moving to Permanent TSB and we have in place a process that makes it easier for the application. We give the customer a code and it goes into the Permanent TSB system and much of the information flows automatically across. It does not guarantee the overdraft for the customer because Permanent TSB assesses on the other side but it certainly makes it easier for business customers for those lines of credit.