Mr. Jim O'Keeffe:

I ask my colleague, Mr. Nugent, to comment on the scale of the resources in the branches and, indeed, the contact centre in terms of what we have even if we stand still. We have already redeployed around 150 resources and we have on-boarded about 150 more. We intend to redeploy about another 150 and we expect to bring on board about another 550 over the coming months.

The Deputy asked about appointments, and Deputy Pearse Doherty mentioned them earlier. Our penetration of customers coming onto the digital app was lower at the beginning. We have worked through that and, as I said, we are now launching into 70%. During that period we accommodated customers with face-to-face appointments in the network. What we are doing now is that as we release some of that it means there will be much more capacity available in the network to meet customers as we convert those over. It is not like they suddenly disappear. Our colleagues who have worked hard in the network will be able to pick up on that extra piece. There is another part. From our perspective, because of the wide range of branches that we have, as many as 82 of the locations overlap with ourselves. In terms of the Ulster Bank locations that exist, we have been fortunate enough to pick up a lot of the activity that we are seeing coming through there.

The additional piece is important. To give the Deputy a sense of the scale that exists today, and even before we add on that piece, it might be important for Mr. Nugent to comment.