Pearse Doherty (Donegal, Sinn Fein) | Oireachtas source

Mr. Kelly’s bank knows that there is a cohort of individuals who will take out a mortgage, fix the rate - as 60% of them have done with his bank - come off a fixed period and end up on a variable rate period. Because of inertia, perhaps fear and not understanding rates, they will be on that rate, and Mr. Kelly’s bank is creaming it. Does Mr. Kelly believe that his bank's customers just like giving the bank more money than they should?