We also look at potential tools to be used, such as cures, sales or write-offs. Here, we expect the strategies to be well diversified, not just focusing on a single tool. And there is another thing we need to take into account. How realistic a strategy is also depends on provisioning. Does the foreseen level of provisioning support the strategy?
Could there be a disconnect between portfolios which are meant to be sold and the associated projected provisioning? Given current market prices, these two elements might not always match. That said, we have observed a trend of increasing coverage. But dealing with NPLs also requires us to look to the future. Once the balance sheets have been cleaned up, they should stay like that.