Mr. Liam McLoughlin:

Before the changes were made and there was a person in the branch every day, there were 131 transactions and 65 of them were by two customers. Customers are finding the lodgment ATMs and extended hours very convenient. Our staff who worked behind the counter, doing the cash transactions, are now in front of the counter. We have loaned €3.4 billion in the first six months of the year because we made more staff available to visit customers on their farms or at their places of work. Customers are finding this a far better experience than doing a transaction, using a credit card across the counter.