Chamber and committees

Natalia, would you like to say anything about earnings arrestments or the impact on your clients?

Maggie Chapman wants to come in with some questions but, Kevin Stewart, if you have a brief supplementary, I can let you in.

I will bring you in after Maggie.

Did you want to ask a supplementary, Colin Smyth?

Thank you very much to the witnesses for your evidence this morning, which will help to inform our pre-budget discussions.

Brian, do you want to ask your question about losses now? At this point, I must ask all members to be brief, as I have other members who wish to come in after this.

Of the five targets from last year, you exceeded the capital investment target. The target was £380 million but £620 million was realised. How did that come about? How was it achieved?

I have another question before I let other members come in. I was going to ask if you will have to do more with less, but you have said that you will have less and that you are trying to change how you do things. What timescales are you working towards? There are real-terms reductions and inflationary pressures across the whole sector, so is the budget that you have been allocated sufficient to make the cultural and structural changes that you are looking to make?

Colin Smyth and Brian Whittle have supplementary questions.

Stuart Black, do you have anything to add?