Dr. Colin Hunt:

We value relationships. Our greatest strength is the fact we have 2.8 million customers. Some 40% of Irish individuals and 40% of Irish businesses have their primary banking relationship with us. It is our underlying strength. We treat all our customers the same. Customer fairness is very important to us. As a practical example of that, when AIB has cut interest rates in the past on our standard variable rate, we apply that not only to new borrowers but to our existing borrowers. There is no differential between front book pricing and back book pricing. That is an indication of the equality of treatment we give to our customers. That extraordinary customer base is our greatest single strength in this country.