I welcome the Minister. I concur with Senator Ahearn and thank the Minister for his leadership in his Department over the past 12 months. I believe that we urgently need to convene a forum and an open, transparent, public debate on the future of banking and financial services in Ireland. We spoke about a number of significant announcements by banks in recent months to close branches and leave some communities without banking services. Ulster Bank is to gradually withdraw from the market here in the coming years. Ba…