Mr. Patrick Farrell:

From a sustainability point of view, it is a huge focus for the organisation. To give the Senator a sense of that, similar to what Mr. O'Grady said, the majority of our mortgage lending now is green lending. Again, that is based on a discount to the customer to encourage customers to go for A1 to B3 rated homes. It is trying to encourage growth in that sector.

The other thing we are doing is working very closely with the Strategic Banking Corporation of Ireland, SBCI. There are a number of schemes, including the future growth loan scheme which, again, is working with companies and helping them to transition their businesses over time. We are talking to our customers about how we can help and advise them and actually fund that transition over a period.

We are also working with the SBCI on a retrofit scheme that is due to come out next year. That will help customers, whether it is for heat pumps, solar panels or insulation. It is to retrofit existing homes as well as new homes that are being built. On the other side, we have our consumer lending, a large portion of which is now focused on helping customers transition from diesel cars to electric or hybrid vehicles. Some people are making that transition as well.

The Senator also mentioned business customers who come over and may be unable to get a loan for a period. During the transfer of customers from Ulster Bank, we made the decision that we would take businesses' history into account. Once we could see what their history with their previous bank was, they were then able to access finance immediately from there. We continue to do that practice.