Ms Dara Deering:

To put those numbers in an Irish context, nine out of ten of our customers do not go to physical hubs. Rather, they either deal with us through the contact centre or in a digital way. This shows the change in consumer behaviour. As Mr. Roebben stated, it is important to remember that the customer must have choice. Different customer segments may want face-to-face contact, particularly where investment or a major decision is involved. The reality, as evidenced in other markets, is that face-to-face contact may not be the traditional physical face-to-face any more, it may be video or some other mechanisms as well. Irish consumers are responding very well to the choice we are giving in this marketplace.