Mr. Des Carville:

I thank the Deputy for the question. In the big picture, there is a big European drive from the Single Supervisory Mechanism, which is part of the European Central Bank, to clean up balance sheets within the banking system in Europe. There are a number of ways of achieving that. One of the ways is to sell non-performing exposures. That crystallises a loss or a gain from the banks' point of view depending in the number of provisions they have taken against the portfolio of loans. We are really pretty much at the end of that process at this stage. If I think back, AIB at one stage had almost 30% of its loan book that was non-performing. Today, it is approximately 3% plus or minus maybe-----