Ms Jane Howard:

I will talk about Ireland specifically and then I will come to the UK, and articulate the differences. The Irish banks came out at the bottom of the Edelman trust barometer in terms of being least trusted by consumers. The Irish Banking Culture Board survey on trust also made very sorry reading, and that trust is lower than in the UK, where a banking culture survey was also conducted. The results here are lower in terms of consumers trusting banks. Even though Ulster Bank scored well relative to other banks, it is not where we want to be, and we absolutely recognise that we have lot do to win back the trust of customers here in Ireland.

One thing that has been in the UK for a while is the senior management or accountability regime that is being introduced here. What that did at a senior level was to make peoples' accountabilities and responsibilities very clear. The current plan is for that to be introduced here in the first quarter of next year at the executive level. It will also extend to board members, which it does not do in the UK, so we will go further here in Ireland than in the UK.

Culture is everything we do all the way from strategy down to how we serve the customer. It is the way I behave, and the way the executive team behaves. It is what we do and what we do not do. All of that will impact the culture of Ulster Bank, and if we lead and put the customers first in our strategy, decision-making, and making sure we have better services for them, then that is how we will be seen and trusted by the Irish public and Irish customers. They will decide on whether we do that well or not.