John McGuinness (Carlow-Kilkenny, Fianna Fail) | Oireachtas source

We are now joined by Ulster Bank. We have with us Ms Jane Howard, CEO; Mr. Paul Stanley, CFO and deputy CEO; Ms Fiona McMahon, director of compliance; and Ms Elizabeth Arnett, director of corporate affairs. Ms Howard will make a brief opening statement and then the members can put their questions or queries.

I draw attention to the matter of privilege. Witnesses who are physically present are covered by absolute privilege and those who are not on site may not be covered by full privilege. Witnesses are reminded of the long-standing parliamentary practice to the effect that they should not criticise nor make charges against any person or entity by name or in such a way as to make him, her or it identifiable or otherwise engage in speech that might be regarded as damaging to the good name of the person or entity.