Ms Francesca McDonagh:

We did a very thorough analysis before making such an important and material decision around branch closures and the new partnership with An Post. That analysis looked at footfall, usage, proximity of a branch to a neighbouring Bank of Ireland branch, proximity to alternatives, that is, non-Bank of Ireland competitor branches, and proximity to a post office outlet. Those criteria were applied consistently across the Republic of Ireland and in Northern Ireland. We are not disclosing an individual formulaic analysis because we have also applied commercial judgment in making those decisions. There has been in-depth analysis and robust discussion about those decisions.