Mr. John O'Connell:

We were extremely disappointed that the Central Bank had not met a bank that closed 88 branches, knowing that the kind of change in question was in the air. Given this and the fact that the change occurred during Covid, we believe the regulator had a role to play. This is the opportunity to ensure the model does not reflect what occurred before. Poor customer service should be a thing of the past, the ability to bank however you wish should exist, and the system should operate much more transparently than it does today.