Mr. Jeremy Masding:

There are several answers to that question. In spite of our turnaround journey, we have been able to increase our market share in retail deposits. This is a testament to the quality of my staff and the strength of the brand. As we gradually tick off the turnaround items, we will become more attractive to retail depositors. Therefore, I expect we will be able to compete.

Regarding the price we pay for those deposits, the Deputy will understand that we pay a premium over and above the pillar banks. As we tick off the restructuring plan and capital rates, the Irish public will see us as a genuine, stable competitor and, therefore, we will be able to price versus AIB and Bank of Ireland in a competitive way.