Ms Jane Howard:

As Senator Conway-Walsh has stated we have 88 branches. There are no plans to close the branches. In fact, we have actually increased our physical presence in recent months. We are also investing in the branches. As I said in my opening statement, our strategy is high tech and high touch because we know that customers like their daily banking to be effortless - they tell us this. They enjoy using contactless payments but there are moments in people's lives when they want to have a named person and see someone. At times, sadly, this can be during bereavements or it can be at nice times when a child is born or when seeking a mortgage.

Our customers tell us there are certain life events when they want to be able to speak to somebody. That is why branches are so important for our personal customers.