If there's one thing I know for certain, it is that we have changed and we are still changing because of this pandemic as individuals, as families and as businesses.
We've all felt that shift and tried to make sense of so many things over the past few months and according to a survey Ulster Bank has just completed, 85pc of us have changed our priorities.
Most of us want to spend more time with our families, to exercise more, to stop spending money on things we don't need. And we are far more worried about our health and our families' health than the prospect of another recession.
That being said, many of us are getting comfort in the knowledge that, even though priorities are changing, there will be a time when will be able to see our families, go on holiday have our hair done, or enjoy a nice meal out.
Of course, there are some things we're not looking forward to, but what we want is that choice and 64pc of us want to be empowered to feel more in control of our destiny.
Change brings opportunities too, especially if you want to build on new habits and make them permanent.
Organisational change has always been tough, but since mid-March we, like most businesses, have taken a quantum leap in how we work, where we work and for many, when we work. Ulster Bank now has about 2,000 colleagues working from home. Most of them were able to do that overnight, others took a little longer, some needed to be in branches as essential workers and our service has been pretty seamless.
Thanks to our colleagues throughout the bank we have continued to serve customers and many of those customers have done their banking in different ways.
During the pandemic, we're all rising to the challenge and responsibility of the restrictions, doing things safely and successfully and in ways that we thought were only possible in the future. Harnessing these ways of working presents a really great opportunity for individuals to reconsider how life and work can be better harmonised.
It shouldn't be an abstract concept. For many people, working from home removes a long commute, removes a stressful morning and evening rush involving childcare drop-offs and collections.
It also puts diversity and inclusion on the table more than ever before. We know that flexible working is one of the single biggest drivers of diversity and inclusion, particularly for women. It's been one of the cornerstones of what makes Ulster Bank a great place to work for a long time.
And it's not just about working from home either, it's about working outside of the confines of 9 to 5, understanding that some people will log on at different times because of different home life situations and also because its what some of our customers prefer.
If companies can really embrace flexible working in the true sense of the word, we as a society have a real opportunity to open up the workplace to people who previously may have felt excluded. As we evaluate our priorities, a change like this would certainly be empowering.
Of course, not everybody will want to work from home as much as they have had to during lockdown, so we believe that offering a balance to our colleagues is the way forward.
We were in the middle of a search for a new Dublin headquarters before the restrictions began, we now will re-evaluate our needs to serve our customers, as a business, and our colleagues' needs.
The banking industry has, quite rightly, undertaken a lot of self-examination over recent years and we promised our customers that we would work hard to rebuild their trust through responsible practices and by doing the right thing. We've done a lot of work on that already but in my experience, the veracity of those kinds of undertakings are tested during times of challenge.
We moved quickly to respond to help customers. For example, making the branches safe so they could stay open for those who needed access to them, providing over 11,000 payment breaks, providing a bespoke service for vulnerable customers and fraud awareness.
As Ireland and the world moves into the next phase of Covid-19, we have to continue to demonstrate that culture by behaving responsibly and continuing to build a sustainable bank for the future.
It's clear that the banking sector, along with other stakeholders, will be key in the months ahead if we are to recover strongly as a people and as an economy. We are committed to playing our part in that recovery and to support our customers, many of whom have experienced huge personal tragedy and haven't had the physical support of their communities in their grief.
There is no doubt that there are challenging times ahead and uncertainty is a huge factor.
There are customers out there who are worried about affording their mortgage after their payment break ends, or businesses wondering how they can survive the economic downturn. There are no guarantees. Not for anyone. The situation is very uncertain.
One thing that is certain, however, is that those customers who engage with their banks will have a better outcome. In the recent past, our experience is that we can find solutions for 4 out of 5 customers in mortgage difficulty, when they have engaged with us. If you are worried don't wait - please contact us.
After this, things will be different and how we move forward as a society is a conversation that everyone, including banks, has a stake in.
In the midst of all of this change, I remain proud of my colleagues - who carried on helping customers in branches, on the phones and behind the scenes - as well as all of those across health services and retail who kept other essential services going throughout the restrictions. I will always be grateful.
I look forward to taking the best of the opportunities for change, and in doing this to focus even more on customers and improve our business.
If recent events have taught us anything, it's that life is for living and we want to support our colleagues and customers to do just that.
Jane Howard is CEO of Ulster Bank.