Dr. Colin Hunt:

NatWest is the parent of Ulster Bank and has decided to leave the market here in the Republic of Ireland. I can answer, as I said before, only for AIB. I am not aware of any market speculation about a traditional full-service retail bank headquartered outside the State looking to enter this market. That said, if I had been here 12 months ago, I would not have said to the committee that within the following year the boards of NatWest Group and KBC Group would both decide to leave the market in the Republic of Ireland. At this juncture I am not aware of any speculation or rumour relating to any other internationally headquartered retail bank that is looking to enter the Irish market.