Mr. Padraic Kissane:

I would put it far more simply. Customer relations; the banks' reputation; "help for what matters", as one of the banks say; and "the bank of you" are lies if this is how they treat their customers. The banks are trying to put out fundamental lies - marketing nonsense, as I call it. This comes down to the integrity of financial services. They have destroyed the integrity of financial services and if there is anything I will do on a broader sense and a longer-term basis, it is attempting to restore that integrity. Somebody has to step into that space because I am telling every bank today that space is currently empty.