Ms Dara Deering:

A better way to answer the question would be to refer to those loans with more than 90% LTV. Those customers can fix for three years on a rate as low as 3.70%. If they are on the standard variable rate of 4.25%, they can reduce it to 3.70% by taking the two-year fixed rate with the current account discount. There are many options for customers, irrespective of their LTVs, to take different products with KBC.