Ms Catherine Moroney:

Yes, 70. Where we have closed those branches, we applied "close proximity" in a lot of cases. For example, we have a branch which is less than 1 km from Crumlin while in Dun Laoghaire we had two branches which were less than a couple of hundred yards apart. For the most part, it was because AIB was created by the amalgamation of two banks, the Munster and the Leinster, and we had a lot of duplication in towns. In advance of the process, we put in place our contractual relationship with An Post. While we closed 70 branches, we opened 1,100 locations for our clients.