[FONT="]The asset sales refer to mortgage loans that were sold and are therefore not included in our end-Q4 statistics. Due to confidentiality restrictions, we cannot give any specific details on the quantity or value of mortgage loans that were sold. While these sales had an impact on the magnitude of the decline in arrears this quarter, they did not change the overall trend.[/FONT]
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[FONT="]With regards to the non-bank lenders, yes, these relate to retail credit firmswho are authorised as mortgage lenders.[/FONT]