Ms Jane Howard:

First, in terms of the scheme, I have not heard from any customer that it is a problem or difficult. Let me take that away and we will follow up on that to see whether we are not hearing it because we have not been asking the right questions or listening well enough.

The financial services in the UK and Ireland, and the impact of Brexit, are quite interesting in that they are very different. If one is in financial services in London, which is clearly a central hub, the discussion there is about the fact that some of the skills and jobs have to be taken out of the UK and will be in a different part of Europe. That is the concern one hears in the financial services market in the UK in terms of how it works. When one comes to Ireland, we see that there are more banks choosing to make their European base in Ireland. They are not necessarily retail banks, but that creates different challenges here such as competition for people with particular skillsets. It is quite different in that regard.

When one comes down to customers, however, many things are the same. If the economy is struggling, whether that is in the UK or here, then the concerns for customers are exactly the same regardless. When one comes to preparedness, it is interesting because the UK has many schemes, including an RBS scheme directed specifically at supporting customers through Brexit, and they are not being drawn down either. It is interesting that we have that similarity. Even though governments, banks, and people are making help available, whether money or expertise and support, it is not being taken up in either Ireland or the UK.