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Return to profitability in Q1 2021; Trading in line with expectations I am pleased to report that the Group returned to profitability in the first quarter of 2021 and we are confident of achieving our 2021 full year guidance. As we look to the remainder of the year, we expect a strong recovery as the economy re-opens and the roll-out of vaccines gathers momentum. The implementation of our strategy is well underway and positions us well for the future. As our industry undergoes significant change, our strategic clarity gives us confidence that our strong balance sheet, digital capability, distribution and franchise will enable us to grow, serving our customers and the communities in which we operate. As previously announced, we are progressing a number of acquisition opportunities to complement our existing strong customer propositions. We look forward to updating the market on these initiatives at the appropriate time later in the year. As Ireland emerges from