I propose to take Questions Nos. 80 and 81 together.
The Central Bank of Ireland has informed me that it does not conduct comparisons across local/international banks or banking sectors. They have also informed me that bank operating costs, funding costs and profitability vary significantly by jurisdiction, credit rating and time. This is due to differences in local law, products sold, general market risk appetite/tolerance and the impact of seasonal variations in funding liquidity.
Questions No. 82 answered with Question No. 74.