Ms Francesca McDonagh:

I will answer the Deputy's second and third questions. With the chairman of Bank of Ireland, I met the current Governor of the Central Bank of Ireland soon after his arrival.

That was a face to face meeting before any of us had heard of Covid-19. During the pandemic we had one very important virtual meeting with the Governor and two members of the team to speak about payment breaks and the industry's proactive approach to supporting households and businesses when they needed it most. That was at the beginning of the pandemic. Since then, I have had regular engagement with senior members of the Central Bank of Ireland through his team. Some of this is proactive. Other times it is on a quarterly or, at times, monthly basis for ongoing engagement. This is supported by engagement with the European Central Bank, through the joint supervisory team out of Frankfurt, on a regular basis.