Dormant Bank and Building Society Accounts Bill [HL]

Would the Minister agree that it is unlikely that a building society or bank would transfer to the reclaim fund 100 per cent of what they thought was viable? There would still be a remnant that it was processing, and it may well be that if it had a late claim it might be able to match off the remnants with the late claim so that there would not be recourse to the reclaim fund.