Ciarán Lynch (Cork South Central, Labour)
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I thank Mr. Brown. I propose to take the first round of questions in 15-minute slots, the second round of questions in ten-minute slots and subsequent rounds of questions in five-minute slots. I remind members to be concise in their questioning and witnesses to be concise in their responses. I will begin by asking Mr. Brown about Ulster Bank's commitment to the Irish market as a retail bank on the high street.