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

We are joined by Mr. Gavin Kelly, Ms Aoife Leonard and Ms Susan Russell from Bank of Ireland. I remind everyone to turn off their mobile phones. I have a note on privilege. Witnesses who are physically present or who give evidence from within the parliamentary precincts are protected by privilege. Witnesses attending remotely may have limited protection. Witnesses are reminded of the long-standing parliamentary practice that they should not make charges against any person or entity by name or in such a way as to make him, her or it identifiable. Bearing all that in mind, we will open the meeting straight to business. I ask Mr. Kelly to make his opening statement.