Mr. Liam McLoughlin:

We have the largest branch footprint and as the Deputy has rightly said, we have not closed any branches for at least six years and probably longer. No Bank of Ireland branch is cashless.

The bank has made an investment in response to customer demand. Where cash was available over the counter for six hours a day, we have converted that to a 24 hour a day, seven day a week facility through lodgement ATMs. This is a significant investment in technology. We have invested in excess of €10 million per year for the past five years in lodgement ATMs.