Ms Francesca McDonagh:

We have talked about transformation being a key priority. Upgrading our core banking systems is a big part of that. We have successfully built the foundations. We have the functionality for a single customer view where we can see all of our retail Ireland customers across a range of products, as opposed to having individual systems or views by product.

We now have that functionality.

We have also tested and loaded live transactions on a pilot basis for personal lending and savings account products. Our focus this year is on improving and resetting our channel offering. We have 15 million log-ins a month on our mobile app. There is an opportunity for it to be better, with improved functionality and user experience, whether on a mobile phone, iPad or desktop and that is our major focus for 2019.