Mr. Bernard Byrne:

The major rationalisation, implemented as part of the EU restructuring plan, was around 2011 and 2012 and we closed approximately 70 branches from 270 AIB branches. Since that time, the net movement has been to open three branches. We cannot say we will not look at the overall network over time but there is no big or immediate plan to look at the overall estate from that perspective.

In a different position from some of the competitors, we have effectively maintained that full service offering across the network. We took a reduction piece but in terms of the offering that exists across the network, we have a very high degree of consistency in terms of that offering. Our customers tend to find they understand what will be offered at all points in time as we tend to offer it through the network at that point.