Mr. Ken Burke:

One of our stated objectives is that our cadre of relationship managers will be professional not only in name but in qualifications. We have a programme of investment in people which included the provision of 4,000 individual training days last year for people on the front line. In quarter 4, some 1,100 people were given specific sectoral training. We also have a programme allied to professional qualifications which means that between 65% and 80% of our relationship managers in the larger business centres hold a professional qualification or are in the course of obtaining such a qualification. Many people have left the organisation through early retirement and as such we are rebuilding our teams, including by taking people from the market. We now have a number of qualified accountants on board. Equally, we have taken on board people who have been entrepreneurs. These people are advising on start-ups. We now have a blend of skills.