Ms Francesca McDonagh:

We are very committed to recruiting graduates. Typically a graduate starting at the bank would earn between €25,000 and €30,000. In terms of their career, a big part of our competitive advantage is attracting and retaining talent. For new entrants and also for people of different seniority and age at different stages of their career we have a career reward framework. We spend €15 million per annum on providing training, development, upskilling and support for our staff. I cannot be successful in my role if I do not have high quality and engaged people. I put a huge emphasis on culture. I am conducting a survey for the first time in many years to understand how people feel. I am focused on investing in our people, retaining talent and developing their skills.