Ms Dara Deering:

We have made significant enhancements to our process. It can be done in five steps, five minutes, on a mobile app since July of last year. To clarify the point, more than 80% of new customers who join the bank, who take out a mortgage, avail of the discount of 20 basis points. They open a current account at the time of taking out a mortgage. The numbers to which the Deputy refers relate to existing customers.