Just as an aside but maybe of some interest...
People are, understandably, under the impression that big blue chip businesses are efficient lean businesses with robust systems and procedures enabling them to maximize their profit and return for share holders
I work for an IT company that has solutions in all of the indigenous super markets, high end retailers, transport and logistics companies in the country and you would be amazed at some of the practices I've seen.
The inefficiencies are mind bogging and sometimes one part of the business has no idea what another, related, part of the business is doing.
I'm not making excuses for AIB, I suppose what I'm saying is nothing surprises me dealing with larger businesses.
p.s. Its why I never give call centre staff a hard time, they are the poor souls who are accountable to the end customer for a badly run business