Mr. Ciarán Coyle:

I would like to address that particular point. Due to the nature of technology and the nature of the complexity that I described earlier, there will be issues over the medium term. I do not want to be apologising. What I am saying to the committee is that we are making extensive progress. Allow me to explain.

The Deputy referenced issues mentioned on the Ulster Bank Help Twitter account. I recognise them all. To show that the investment we are making is making a difference, I could go through the period from 2015 up to the present day, examining the incidents where we had issues that have a material impact on customers, if members understand the spirit of that comment. There has been an 84% reduction in such incidents. I recognise and accept that in the last few weeks we have had specific issues, which the Deputy has referenced. However, if one goes back beyond that, operations have probably been clear since the beginning of 2017. It is not a defence. I mean to say that we are investing, we are taking it very seriously and we will continue to do that.