Ms Francesca McDonagh:

I do not want to prejudge or pre-empt the findings. When I talked before about the culture and purpose we want at the Bank of Ireland, I spoke of four key values. One of those values is accountability. Accountability needs to be owned by the senior management of this organisation. I find many of our colleagues in the front line are role models in accountability and doing the right thing for our customers. We need to ensure they have the products, policies and processes that enable them to do a fantastic job for Bank of Ireland's customers. I want to see the conclusion of the report. Then I will ensure we will hold ourselves accountable for learning from this experience and this tracker mortgage issue.