Ms Francesca McDonagh:

I am endeavouring to. In my appointment I come with experience from previous markets, but also I am spending my time really understanding the market in Ireland. For me, whether it is an Irish customer or a customer from my previous experience in other parts of the world, customers want to have fairly priced and structured products which are clear, and when there is a problem the bank should address it quickly. My intent with the team is to be very purposeful in the way we serve our customers. This is why we have defined Bank of Ireland's purpose and, to be fair, the cultural work on what our purpose should be predates my arrival. Before I arrived in the role, the board was already looking at what should the culture be at Bank of Ireland. The one thing I asked the Chairman was to wait for my arrival so that as the new CEO I could work with the team to define a purpose that is meaningful for us individually and as a collective. This is enabling our customers, colleagues and communities to thrive.