On the other hand, the groups with the highest incomes have a larger proportion of adjustable-rate loans. Despite the variations in the debt composition of the different groups, the calculations show that the interest-rate exposure is more or less identical for all income groups.
Interest-rate exposure indicates the increase in the average interest burden on the group on an increase in the short-term interest rate. The latter is expressed as the interest rate on an adjustable-rate loan, irrespective of maturity.