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I thank Maurice Corry for his fair question. As he quite rightly said, the UK Government retains legislative and regulatory responsibility for banking. We have raised the issue of closures directly with the UK Government in a number of ways in trying to mitigate the impact of closures, and we have called for access to essential banking services to be maintained. I will take Maurice Corry’s specific point away with me.
Earlier this year, the Scottish Government convened a round-table discussion with the main Scottish banks on branch closures and provision of banking services. We have now established a banking and economy group as a sub-group of the Financial Services Advisory Board. The sub-group is co-chaired by the Cabinet Secretary for Finance, Economy and Fair Work and Scottish Financial Enterprise. Through it, we will continue to engage with the banks on the various issues that have been raised in the debate.