The CBI has published the Behaviour and Culture Report which focuses on the culture at the five main Irish retail banks: AIB Group, Bank of Ireland Group, Permanent TSB, Ulster Bank Ireland and KBC Bank Ireland. The report finds that all five still have progress to make in implementing a more consumer-focused culture. Each bank will be required to make a detailed action plan and submit it to the CBI. The CBI has also recommended new legislation to ensure a common set of conduct standards for staff and improving accountability within the banks.