And, to give a last indicator for the level of retail banking integration, the cross-country dispersion of interest rates on lending for house purchase amounts to, on average, 0.5% over the last three years, with no clear declining trend visible as yet, thereby confirming the picture of hesitant euro area credit market integration.
Before I conclude on the state of financial integration in the main euro financial market segments, I will mention that, after having produced the first publication of indicators of financial integration this year, the coverage of our indicators will be further enhanced next year, in particular by adding indicators relating to the integration of financial institutions and financial market infrastructures. 4.