John McGuinness (Carlow-Kilkenny, Fianna Fail) | Oireachtas source

With regard to the evolution of ATMs, that was not a decision the bank just took in isolation. I am sure there was an overall view taken by the bank. There must be a similar type of view or strategy being discussed relative to how banking is now developing both online and offline in branches, with services and so on. That is what I am asking Dr. Hunt for. Surely, a bank the size of AIB is strategising about the next ten years.