Gerry Horkan (Fianna Fail) | Oireachtas source

In her opening statement, Ms McDonagh focused on Brexit and culture. We have had several meetings with the Banking and Payments Federation Ireland, the Central Bank and the Irish Banking Culture Board. In my time on this committee, four of the five banks have changed chief executives. The cultures are evolving. Some might say they are doing so slowly, while others would say too quickly. Clearly, there is a journey for all of the banks to make their cultures more customer-focused. Bank of Ireland may have had less of a journey than some of the others. Can Ms McDonagh describe Bank of Ireland’s journey?