The latter problem is of course one which we have discussed in this Committee repeatedly and on which progress remains damagingly slow.
2  Also, they are required by the terms of the business plans which they agreed in order to receive the sanction of the European Commission DGCOMP for the State Aid they received, to reach a net interest margin of 2 per cent. Given they are constrained by contracts on the trackers, there is only a limited range of options for achieving this.