Ms Francesca McDonagh:

There have been four incidents in total. One of them related to Visa and it was a sector-wide issue that happened in Europe. Another one was that for one hour and 45 minutes in February we had a bank connectivity issue for certain ATMs. Connectivity was re-established within 50 minutes. The others were intermittent impacts from a Mastercard technical issue which impacted all credit cards, not just ours. This is not related to the changes and improvements we are making in our transformation. It was not as a result of some migration or change that we did. We are very mindful that as we transform our IT system, we need to ensure we do not create any disruption to our customers, but also this underlines the importance of constantly investing in upgrading our technology. A 99.7% success rate is good but I would rather if it was 100%.