Mr. Jim O'Keeffe:

I will give the Deputy some comfort. We talked about the fact that, on a general level, there is some commentary around the switching code. On a practical level, when a customer comes into a branch or meets a colleague to open an account, he or she is talked through the switching code and the options suitable to him or her and, based on the customer's circumstances, branch staff will work with that. We have not disdained the switching code in any shape or form as part of that process. As Ms Byrne outlined, it is a very regulated and very well set out process. It is monitored very closely, etc. While there may be some chat in the universe around it, that is not the policy or the approach we are taking.

On the other comment regarding the numbers, this is an activity where we are driving momentum through it. The Deputy is looking at numbers, which is valid because we shared them with the committee and the data cover the period up to 1 March. If we look at something like digital, and in our case the Deputy's numbers were perfectly correct, we have stepped that figure up to 50% of customers and tomorrow morning we will step it up to 70%. The bank is diverting serious resources that would normally be for other activities to drive it. There is that momentum capability. We are seeing that turnaround time etc. on locations. I would not like colleagues or customers to feel we are sitting on our hands. We want customers to come forward because we are making those changes rapidly to meet them. I give assurance to the Deputy, as the numbers play out over the next while, he will see that trajectory coming through and that momentum will be very evident to him, as new data plays out.