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- Presentation as a balance sheet scenario
Prepayment amounts that can be totalled at an aggregated level are spread linearly over a defined period. This allows prepayments to be simulated for a loan portfolio at cumulative level.
- Reproduction using shift scenarios
Individual payments can be shifted, entirely or partly, into the past, cf. Verschiebung von Zahlungen Shift of Payments. In this way, it is possible to bring forward e.g. 20% of all repayments for a loan portfolio. This corresponds to a prepayment of over 20% of repayments planned for 3 to 4 years for a loan portfolio.
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