Mr. Maurice Crowley:

We operate in different sectors but it is the ultimate intent of both organisations to represent the interests of their members both domestically and at an EU level. We are no different in terms of our raison d'êtreat that level. Things are changing for us as a federation. The demands our members make of us are changing. They want us to continue to represent their interests domestically and at EU level, but they are also keen to work with us and for us to work with them on more consumer-centric areas, for want of a better word, and on initiatives relating to wider society. A microcosm of that is the huge amount of work on vulnerable customers and how banks manage them that we, as a sector, have done in recent times, although it is still early days in that regard. There is new legislation coming in around assisted decision-making capacity. We are actively engaged with the HSE's safeguarding committee on that legislation. That is being done at the request of the banks. To the Chairman's point, the banks recognise the difficulties and the damage done over the years of the crisis.