Mr. Patrick Farrell:

Yes, I think they are at the moment. To return to some of the earlier comments, the level of digital adoption is increasing week on week. Last week, 72% of our sole current accounts came through digitally. Even so, we are conscious some customers will come into the branch and we will help them to open the account digitally in the branch. There is a mix. One cohort of customers need a lot of attention and time and we spend that time with them. One of the initiatives we have rolled out in Permanent TSB is called the "just a minute", or JAM, initiative. Customers with learning difficulties or vulnerabilities can, without verbally saying so, identify themselves as needing extra attention and our staff are now trained to take them into a private area such as an office to spend that time with them. There are many customers who, when they come in, we help use their smartphone and download the app and they will have opened the account in minutes. By contrast, there are many other customers who do not come near the branch and can serve themselves at home.

In ramping up our capacity, while we have put an awful lot in place, we understand customers could behave in different ways. None of us knows the exact timing and we talked earlier about flattening the curve. Our commitment is not only to investing in the people and technology we have to date; if we need to do more into 2023, we will do that to ensure every customer will have the easiest possible journey across to us. We see this as a great opportunity to get as many new customers as possible into our business. They are our future growth, and it is a significant commercial opportunity for us to do that.