Ms Jane Howard:

I will come to culture in a moment because that is clearly a big topic.

As regards what is different, the dynamics are different in the Irish market and the UK market. For example, there is a lot more competition in the UK market than would typically be found here, in either retail or commercial banks. There are differences there.

It is a privilege to be here. We have more than 3,500 colleagues in Ulster Bank, and every day they come into work to do a great job for our customers. The reality is that we have processes that get in their way of getting it right for customers, and equally, we need to change so that we get it right for customers every time. The issue of consistency, which is key to culture, is absolutely crucial.

In terms of people wanting to do the right thing for customers in banking here, that is not much different from the UK. Would the committee like me to talk a bit about culture?