Ms Jane Howard:

The first thing I would say is that it is an absolute privilege to be the CEO of Ulster Bank. In terms of differences, I will start off with customers, and that is interesting in that there is not much difference. When one thinks about customers, what they want, and what they tell us they want, it falls under five broad things. They want to be able to borrow money from us, save with us, invest with a bank, protect the things that are precious to them, or they want us to help them make sure their banking is done well. That includes education. Those five things are no different here than they are in the UK.