Mr. Oliver Gilvarry:

As regards the 10 km scenario compared with the 5 km scenario, we do not expect to see any change from the current coverage levels or number of ATMs. It is kind of about managing the decline in the usage of ATMs and how that goes. We do not want too much of a burden to be put onto industry at a lower level. It is about looking to the future. That is what we are trying to do with this legislation. We have the branches and ATMs now, but it is about achieving a balance and not overburdening industry with a cost which, ultimately, is passed back to the consumer. In the context of a more aggressive decline in ATMs going forward, the Deputy referred to an ATM service being moved from the west of Ireland to Dublin. As regards the decline going forward, this legislation does not envisage any change of where we are at the end of 2022 levels but it is really looking five or ten years from that. There is a need to balance the cost to industry and the level of coverage. It is about ensuring there is access to cash, but also that we are making it commercially feasible to provide access to cash.