The Central Bank will continue to require you to do so in line with and to the edge of our mandate (for example, see recommendations in the 2018 Behaviour and Culture Report5) and our work on developing a Senior Executive Accountability Regime6), but you also have to genuinely and meaningfully want to.
Retail banks have a responsibility to not just focus on the letter of the law7, but also act in line with your stated values and marketing. Going beyond the bottom line and demonstrating your value to Irish society would be worthwhile. Meaningfully intervening to improve financial education and literacy across Ireland, helping people make smarter decisions, could be a good place to start.