Maturity over time

  • The average maturity has gradually increased since the first quarter of 2017, with a few interruptions. At the end of the first quarter of 2021 the average maturity was 2.88 years.
  • 25 percent of the loan portfolio matures within 12 months, which is an increase by one percentage point over the previous quarter.

Average maturity and line for maturity within 12 months


Interest rate level over time

  • The average interest rate decreased by 4 basis points, from 0.98 percent to 0.94 percent, between the fourth quarter of 2020 and the first quarter of 2021.

Trend & analysis

The average interest rate continues to fall and is now at the lowest level during the period studied.

Interest rate level over time excluding and including derivatives

Q2 2017 Q3 2017 Q4 2017 Q1 2018 Q2 2018 Q3 2018 Q4 2018 Q1 2019 Q2 2019 Q3 2019 Q4 2019 Q1 2020 Q2 2020 Q3 2020 Q4 2020 Q1 2021
Excluding derivatives 0.57 0.52 0.4 0.47 0.47 0.45 0.46 0.6 0.61 0.58 0.6 0.67 0.65 0.56 0.47 0.5
Including derivatives 1.54 1.52 1.4 1.41 1.36 1.34 1.24 1.25 1.21 1.18 1.15 1.14 1.12 1.06 0.98 0.94