Ms Dara Deering:

If one takes the customers on a standard variable rate, since we introduced our current account discount of 20 basis points, 4% of those customers have opted for a current account with KBC and therefore have opted for the 20 basis points discount. We have written to those customers numerous times since we introduced our current account discount in 2015. To broaden it, since December 2016, when we made our new business pricing available to our existing customers, 10% of those standard variable rate customers to whom the Deputy referred have now opted to move to one of our loan-to-value, LTV products. In total 14% of customers since 2015 have subsequently availed of a different rate.