Ms Francesca McDonagh:

That is a very good question. It has informed our decision to maintain 169 branches. A very large percentage of our social colleague base work every day on the front line - and they have done so throughout the pandemic - and do an exceptionally important job. Even though many customers prefer to do banking online, we still see many customers who want to come into a branch. Some of those embarking on a mortgage advisory journey for first-time buyers will prefer to come into a branch. Also, some customers when dealing with insurance, seeking wealth advice, dealing with life events such as a bereavement, making a complaint or making certain transactions would rather come into a branch. We are keeping 169 branches because they will have footfall and sales and service volumes that support that model because customers are telling us that. I am not proclaiming that we will be in a branchless society for the foreseeable future.