Ms Francesca McDonagh:

I thank the Senator and appreciate the additional questions. I will cover off the question on engagement with the Financial Services Union, FSU, and employee representative groups in general before Mr. Kelly replies to some of the Senator's questions.

We work on a no-surprise basis with our employee representative groups. We currently exceed both our legal and industrial relations requirements on our engagements. When this is reciprocated by the unions it builds trust. We certainly proactively engage and we sought to meet and discuss our branch closure plans with the FSU in advance of the announcement. Mr. Kelly will talk about the post office, ATMs and landmark buildings and then I will discuss non-performing exposure or NPE.