Mr. John O'Connell:

We have engaged with Bank of Ireland more than KBC. It is probably a different type of transaction in KBC. We had a lot of engagement with Ulster Bank and reached an agreement about how staff would be dealt with when Ulster Bank was exiting. I do not think we got to the detail of how many would remain. There is still no decision about the tracker mortgage book in Ulster Bank. We are at various phases for other aspects. The banks spoke about bad debts while here last week and what they intend to do about them. We have made our views known. Further dialogue on those is to take place. We think the branch network should remain until the end of 2023.