We never take the decision to close a branch lightly, and we understand it can be unsettling for the local community. In recent years our customers have changed the way they choose to bank with us. More and more people are using the telephone and Internet to complete their banking and branches are being used less often. Across our branch network over the last four years we have seen almost a 40% reduction in customer footfall, and that decrease is accelerating. As a result, sometimes the difficult decision is made to close a branch. HSBC supports the industry wide Access to Banking Protocol (ABP) introduced by the British Banking Association (BBA) in May 2015 and attached are reports summarising the impact assessment and local community engagement made in the event of the closure.