Mr. Bernard Byrne:

I did not hear the conversation on "Morning Ireland". Culture is important and we recognise the culture that existed in banking needed to change. We are still on a journey of change but we have made a lot of progress. The business has focused a lot on being clear as to our purpose and how we implement that, culturally, with accountability, collective responsibility and customer focus. We have a continuous series of engagements between staff and customers to develop that. We have more to do because one does not change culture overnight. I believe, however, that we are in a positive position in terms of intent. We are continually improving and our approach to complaints is moving in the right direction. The Central Bank is carrying out a culture review in conjunction with the Dutch central bank and we are comfortable with that engagement.