Jim O'Callaghan (Dublin Bay South, Fianna Fail) | Oireachtas source

I thank our guests for attending. As I think they have all said, this is, obviously, a very significant event whereby two banks in a relatively small banking sector with limited competition are moving out. The concern of this committee, and I am sure of our guests, is that we want to see a smooth transfer of those hundreds of thousands of bank account holders to one of their banks. We have no preference as to where they go, they might be disappointed to hear. When politicians engage with people who come to us to talk about their experience with banks, their one constant complaint is that they do not have access to people for face-to-face meetings in branches. I might start with Mr. Crowley and Mr. Farrell of PTSB before coming to the other banks. What additional human resources are in place to facilitate customers who want face-to-face meetings in banks? In case I want to meet somebody in PTSB, how many additional people have been provided to facilitate that?