Mr. Ciarán Coyle:

Where an ATM is stolen from a bank, it is a cost that the bank in question has to cover. It is a criminal offence and an investigation takes place. When the ATM is within a retail outlet, it can depend on whether it is branded to a certain bank. In those circumstances, there is potential to share the costs. I will have to check the position for the Senator. There would also be non-banks that are in the ATM market. We have seen in recent weeks where it has happened and where the bank involved is ultimately going to be liable for the costs and must manage the risks around that. This is one of the reasons we discussed earlier for having to cover some of the costs associated with banking in general but with ATMs in particular.