We will in particular work with the Department of Finance on the next steps from the Retail Banking Review and the recommendations of the IMF's Financial System Assessment Programme. We note and welcome the Joint Oireachtas Committees recent report on Banking and are currently studying its recommendations. Let me touch on a couple of issues before we turn to your questions.
Retail Bank Consolidation The Central Bank continues to engage actively with the firms as part of its supervisory programme on retail bank consolidation. We have made clear to the retail banks that the bank exits, and in particular the large-scale migration of customer bank accounts from Ulster Bank and KBC, must happen in line with customer needs and expectations.