Ms Francesca McDonagh:

I just want to put that into context. It is often associated that it is banks specifically that do not pay tax. That is not the case. We pay tax. We have a tax deferral for losses carried forward for some of our group companies. Between, for example, 2017 and 2019, however, we paid €190 million during that period, €97 million of which was corporate tax and €94 million of which was related to bank levies. Payments of €79 million in 2019, for example, equated to 14% of our underlying profits from Irish business in the year.