Ms Francesca McDonagh:

There were a few questions there. I will invite my colleague, Mr. Gavin Kelly, to respond specifically on the treatment of the landmark properties, our post office arrangement and ATMs. I will just say before I hand over to him that I agree with the Senator's comment on the assumption that every single customer has digital skills. There is a need for increased digital education, but that has been progressing. I am not sure what data the Senator is referring to.

We have seen that change. Today, 70% of our entire customer base is digitally active. We have seen satisfaction in our digital channels increase by 25 points in the past year. This is not just an age issue where it is just younger customers. Over half of customers of 60 years and older are registered online and two-thirds of them were active in the last three months. We would not be closing branches if we did not see that level of digital take-up. It is because of that level of digital take-up that we are closing branches where footfall has reduced to a de minimisnumber.