Mr. Jim O'Keeffe:

The Senator asked about customers who might face difficulties when they come over to us. As an unfortunate outcome of the crisis, we have built a core competence around dealing with customers who face financial difficulties. Support will be afforded to people who face financial difficulty when they transfer to the bank.

Dealing with vulnerable customers is a key focus for us. We have a dedicated line. We have undertaken thousands of hours of training. It is an area we survey and manage tightly. We can already see the benefit to vulnerable customers who are transferring to the bank. Our colleagues in the network, as I am sure is the case for the banks my colleagues represent, are visiting nursing homes to help customers who are facing challenges in moving their accounts. How we are supporting people on the ground is probably not often lifted up to this level. We can all be confident that support will be provided.