Dr. Colin Hunt:

There were 50,000 branch visits per day on average across the network before Covid arrived as opposed to 1.5 million digital interactions on a daily basis. What happens in branches will change. We are seeing more and more everyday transactions being done online. It is a multiple. The number of digital transactions involving everyday banking is 30 times the number of people appearing in branches. However, we are very committed to continuing to have a physical presence on the main streets of Ireland because we have a strategic imperative to support sustainable communities.