Ms Marion Kelly:

The Deputy asked about the current state of culture within the banks. We conducted two detailed consultation processes in advance of establishment to get the baseline in that regard. We carried out a detailed survey of 25,000 bank staff, which is the full staffing across the five founding member banks, asking them about the current internal culture of their own organisations. We have a whole series of findings from that which we published in a report. That forms the basis of what we are going to do. Likewise, we carried out extensive public and stakeholder consultation and asked people their current view of the culture within Irish banking, what they thought needed to change and what they would like our organisation to focus on. Again, the findings from that consultation form the basis of our work programme. That is what we are hoping to address pragmatically in the coming months.