AIB's history is that it has always been open to change. That was one of the things that impressed me when I came into the bank. It is part of its core. On his role in preparing the retail op- eration for changes in its traditional market.

I am an enthusiastic but average golfer and I love photography. You could say I am a camera junkie! On his interests outside work.

I actually wanted to be a sports journalist. My parents were horrified at the time. I was passionate about all sports. I played everything badly. But there were no opportunities and when accountancy was suggested I did it. On how he decided to become an accountant.

Banking is a complex business, it is a myriad of businesses. It takes time to get a feel for the totality. On his move into banking.

If we want to survive and compete with new entrants in our markets, we will have to meet customer needs. On criticism of bank opening hours.