Ms Francesca McDonagh:

I will ask Mr. Kelly to talk in more detail, particularly about ATMs. In developing the partnership with An Post we carried out extensive analysis of usage. We reintroduced some services to branches three years ago. I appeared before this committee and talked about the additional 100 colleagues who were put into the front line in order to improve service. We did that and, as a result, complaints about branch service have gone down by nearly 80% since 2018. We are dynamic in how we adapt our services. I cannot talk about the branch in Oughterard, but branch ATM and cheque usage has declined 50% since 2018. Even since we made those changes, we have seen customer behaviour change. I will revert to Mr. Kelly to talk in more detail.