Mr. Liam McLoughlin:

To answer the question on Irish, we have introduced this extended service in our ATMs and have invested in them since 2010. Our machines traditionally dispense cash. The functionality of the new machines that take in cash and cheques and provide that service 24-7 to our customers, whether inside or outside the branch, is so complex that it is not feasible to put the Irish language into them. That would significantly affect the performance of the machines. The performance consideration outweighed the volume of transactions in Irish in the machines. There are 3 million plus transactions per month across our ATM estate. There are two transactions per day per machine in the machines in our estate that use Irish. The value to the customer of completing the transaction in an acceptable performance time and having that facility available 24 hours a day, seven days a week outweighed it. The complexity of adding the Irish language was a big challenge.