 There has been much public concern at Scottish branch bank closures more than a third since 2010 and through our committee inquiry we sought to look at the impact of this on businesses, communities and individuals and to hold the banks to account. After hearing from many people the committee is in no doubt that these branch closures have had a negative impact across Scotland. People need access to cash, they need face-to-face banking services and the committee is of the view that banks should consult with businesses, individuals and communities before taking a decision to close a branch. Our full report is now online and a few of our recommendations include asking the Scottish Government to hold a summit to discuss with the banks solutions to the issues arising from these closures, urging the banks to engage with local communities as to what to do with empty bank buildings in our high streets and asking the UK Government to undertake a study into current and future banking provision to ensure continued universal access to banking services. We would like to thank everyone who contributed to our inquiry and gave us the vital evidence that we needed to consider this important subject.