Mr. Liam McLoughlin:

To come back to strategy, the branches are very important to us, and it is vital to ensure they remain commercially viable. If the machines are not working, the branches will not be commercially viable. I will follow up on the cases to which the Deputy referred.

Our focus is very much about enhancing our customers' experience and there is a significant investment going into ensuring that is the case. While the branch footprint has been maintained, there has been a significant shift in the types of services offered. Customers do a lot of their transactions now using the self-service machines. When people go into the branch, there is always a welcome adviser to meet them. Customers across all demographics tell us they like using the self-service machines.