Household credit by country: the latest data

* indicates monthly or quarterly data series
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* indicates monthly or quarterly data series
Household credit includes credit extended by commercial banks and other deposit-taking institutions (excluding central banks) to households. Included are all credit institutions: domestic and foreign owned as well as private and public ones.



Countries Latest value Reference Change three months Change twelve months
Albania 313.11 Sep / 2024 2.37% 11.66%
Angola 1402.36 Dec / 2024 -0.00% 15.73%
Antigua and Barbuda 1.26 Dec / 2019 1.18% 2.90%
Argentina 29319.91 Dec / 2024 39.33% 242.52%
Armenia 3186.05 Dec / 2024 10.71% 31.99%
Aruba 2.19 Dec / 2024 2.59% 6.13%
Australia 2340.53 Dec / 2024 1.50% 5.00%
Austria 179.46 Q3 / 2024 0.22% -1.17%
Azerbaijan 16.37 Sep / 2024 6.77% 22.17%
Bahrain 5.95 Dec / 2024 0.95% 1.98%
Bangladesh 3106.53 Aug / 2024 -0.31% 5.33%
Barbados 3.66 Oct / 2024 2.04% 3.90%
Belarus 16.81 Jan / 2022 1.65% 6.38%
Belgium 259.01 Dec / 2024 0.77% 2.35%
Benin 550.00 Sep / 2024 2.73% 2.23%
Bosnia and Herzegovina 12.70 Sep / 2024 2.32% 8.96%
Botswana 47.25 Sep / 2022 2.06% 5.39%
Brazil 3948.04 Dec / 2024 3.03% 12.09%
Bulgaria 46.37 Dec / 2024 4.48% 20.78%
Burkina Faso 1784.40 Sep / 2024 1.01% -4.94%
Cambodia 49842.30 Jun / 2024 1.76% 12.03%
Canada 3004.24 Sep / 2024 1.15% 3.60%
Chile 105814.43 Dec / 2024 1.75% 5.35%
China 80170.21 Sep / 2024 0.55% 3.00%
Colombia 306545.63 Sep / 2024 0.02% -1.12%
Costa Rica 12879.82 Sep / 2024 1.24% 4.16%
Croatia 23.56 Sep / 2024 2.52% 10.57%
Cyprus 11.18 Dec / 2024 1.12% 0.18%
Czechia 2381.35 Dec / 2024 1.77% 5.93%
Denmark 338.14 Aug / 2024 0.34% 0.15%
Djibouti 44.53 Q2 / 2024 -7.03% 5.66%
Dominica 0.41 Dec / 2019 -0.21% -2.35%
Dominican Republic 773.98 Dec / 2024 2.44% 15.18%
Ecuador 43.00 Dec / 2024 0.92% 4.68%
Egypt 1102.63 Sep / 2024 6.64% 23.69%
El Salvador 9.66 Dec / 2024 1.00% 4.30%
Estonia 13.21 Dec / 2024 2.31% 8.49%
Euro area 6664.72 Sep / 2024 0.25% 0.37%
Faroe Islands 10.79 Sep / 2024 2.14% 6.48%
Fiji 2.60 Sep / 2024 3.57% 11.94%
Finland 143.03 May / 2024 -0.22% -0.49%
France 1723.14 Jun / 2024 -0.03% -0.29%
Gambia 0.58 Apr / 2019 43.34% 54.75%
Georgia 30.57 Sep / 2024 3.26% 17.98%
Germany 2045.78 Dec / 2024 0.29% 0.89%
Greece 34.88 Dec / 2024 -2.06% -5.84%
Grenada 1.04 Dec / 2019 -0.15% -1.51%
Guatemala 196.33 Dec / 2024 2.57% 15.27%
Guinea-Bissau 87.30 Sep / 2024 -4.07% -4.38%
Guyana 57.53 Dec / 2024 6.08% 22.33%
Honduras 360.18 Sep / 2024 4.28% 19.43%
Hungary 11111.53 Dec / 2024 2.56% 9.33%
Iceland 2199.04 Dec / 2024 0.86% 5.81%
India 55967.19 Sep / 2024 2.02% 15.95%
Indonesia 3532792.70 Dec / 2024 0.99% 3.94%
Ireland 103.81 Dec / 2024 0.91% 2.28%
Israel 727.54 Aug / 2024 1.77% 4.82%
Italy 664.68 Sep / 2024 0.04% -1.17%
Ivory Coast 2720.30 Sep / 2024 3.42% 9.34%
Jamaica 680.99 Oct / 2024 0.67% 9.83%
Japan 184990.70 Sep / 2024 0.89% 3.86%
Kazakhstan 21546.17 Sep / 2024 6.33% 26.60%
Kenya 569.40 Aug / 2024 0.57% 5.92%
Kuwait 19.32 Dec / 2024 1.02% 2.99%
Latvia 6.05 Sep / 2024 2.15% 5.22%
Lesotho 7.41 Q2 / 2024 2.30% 14.85%
Lithuania 15.91 Dec / 2024 2.89% 9.68%
Luxembourg 46.39 Dec / 2024 -0.38% 0.42%
Macao 325.15 Q4 / 2024 -0.01% -1.92%
North Macedonia 225.54 Sep / 2023 1.45% 6.38%
Madagascar 4159.63 Mar / 2024 1.49% 16.34%
Malaysia 1320.19 Sep / 2024 1.66% 6.29%
Mali 1261.00 Sep / 2024 1.03% 1.73%
Malta 9.36 Dec / 2024 2.23% 9.01%
Mauritius 236.95 Dec / 2024 1.92% 9.87%
Mexico 2865.78 Sep / 2024 3.03% 11.43%
Moldova 34.10 Dec / 2024 10.12% 34.94%
Mongolia 21549.39 Dec / 2024 5.71% 39.45%
Montenegro 1.97 Dec / 2024 4.45% 16.37%
Montserrat 0.08 Dec / 2019 -0.32% -2.14%
Morocco 394.11 Dec / 2024 0.89% 4.33%
Mozambique 145.96 Nov / 2024 3.96% 10.86%
Namibia 68.45 Nov / 2024 0.93% 3.44%
Netherlands 612.35 Sep / 2024 1.07% 3.92%
New Caledonia 487.00 Q4 / 2023 0.37% 2.85%
New Zealand 278.33 Dec / 2024 1.42% 4.20%
Nicaragua 108.56 Aug / 2024 6.98% 24.38%
Niger 569.60 Sep / 2024 0.60% -6.59%
Norway 3894.96 Dec / 2024 0.73% 3.22%
Pakistan 1242.70 Dec / 2024 5.97% 9.33%
Palestine 4.42 Dec / 2024 -2.16% -3.03%
Peru 172.08 Dec / 2024 1.87% 1.31%
Philippines 2454.03 Q3 / 2024 3.89% 16.74%
Poland 751.11 Sep / 2024 1.59% 3.72%
Portugal 130.93 Sep / 2024 1.27% 2.32%
Romania 190.17 Dec / 2024 2.00% 9.35%
Russia 38916.30 Dec / 2024 -2.27% 9.75%
Saint Lucia 1.88 Dec / 2019 0.90% 1.87%
Saint Vincent and the Grenadines 0.90 Dec / 2019 0.42% 0.41%
Samoa 0.23 Q2 / 2024 2.49% 19.33%
Senegal 2694.10 Sep / 2024 5.22% 19.51%
Serbia 1625.19 Dec / 2024 2.08% 10.24%
Seychelles 2.21 Dec / 2024 6.78% 27.46%
Singapore 324.07 Dec / 2024 1.51% 3.64%
Slovakia 54.51 Dec / 2024 1.33% 4.14%
Slovenia 13.65 Nov / 2024 1.80% 6.09%
South Africa 2189.06 Dec / 2024 0.60% 3.18%
South Korea 1332592.40 Sep / 2024 1.65% 2.74%
Spain 676.30 Dec / 2024 0.59% 0.84%
Suriname 6.52 Dec / 2024 10.82% 36.48%
Swaziland 8.61 Sep / 2024 -1.89% 5.48%
Sweden 5043.63 Dec / 2024 0.50% 1.36%
Switzerland 909.92 Sep / 2024 0.58% 1.69%
Taiwan 20155.56 Dec / 2024 2.57% 11.91%
Tajikistan 9.21 Aug / 2024 8.53% 35.23%
Tanzania 12550.66 Q3 / 2023 6.65% 24.19%
Thailand 13217.98 Dec / 2024 0.36% 0.02%
Togo 773.60 Sep / 2024 -1.02% -2.94%
Trinidad and Tobago 52.96 Sep / 2024 1.72% 8.10%
Turkey 3768.43 Dec / 2024 11.22% 44.35%
USA 4595.96 Dec / 2024 1.20% 1.90%
Uganda 5364.01 Sep / 2024 3.33% 14.31%
Ukraine 295.32 Nov / 2024 5.17% 22.71%
United Arab Emirates 457.05 Jul / 2024 5.33% 15.05%
United Kingdom 1620.91 Sep / 2024 0.76% 1.01%
Vanuatu 39.10 Sep / 2024 2.10% 2.51%
Zimbabwe 11884.28 Sep / 2024 124.11% 539.87%



The table shows the level of bank credit to households (both mortgage credit and consumer credit) around the world including the most recent value and recent changes. The numbers are in billion local currency units and are updated continuously as the national authorities release the new data.

Household credit carries benefits and risks to the economy. On the positive side, it allows households to purchase real estate, cars, and other items by spreading the cost over time. This makes household consumption more even over time and not so dependent on fluctuations in incomes. On the negative side, many financial crises are associated with a massive build up in household credit. Easy money pushes up property values and raises the debt levels. Then, an increase in interest rates or a drop in incomes can put significant strain on the household budgets. Households cut their spending in order to deleverage (reduce their debt) and the economy enters a recession.

Household credit is now a major component of bank credit in the advanced economies and is rapidly catching up with the levels of business credit in the developing world.

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