Ms Jane Howard:

Sorry, we did not address the issue of branches. Twenty-five branches will be included in the perimeter that will be sold to PTSB. We have named those branches. We have said that the remaining ones will be staying open to serve our customers, certainly for the first half of next year. We will then start to reduce counter services so that our colleagues in branches can support customers with their transfer to a new bank.

On the branches that will not move to PTSB, I have not got the precise numbers for which are freehold and which are leasehold, but we can certainly allow the committee to have that, if members want that particular detail.