Jim O'Callaghan (Dublin Bay South, Fianna Fail) | Oireachtas source

I thank the Chairman. I welcome the bank officials and thank them for their concise opening statements. It is fair to say they have all had a very profitable 2023 to date; that is certainly indicated by the figures for the first six months. I will begin with Mr. O'Grady. What does he think is the reason for Bank of Ireland's increased profitability in the first half of the year?