Debt service ratios for the private non-financial sector

Updated 6 March 2017

The BIS publishes debt service ratios (DSR) for the household, the non-financial corporate and the total private non-financial sector (PNFS) for 17 countries. Total PNFS DSRs are also available for 15 additional countries, using different income and interest rates measures, due to data availability at the national level.

The DSR reflects the share of income used to service debt and has been found to provide important information about financial-real interactions. For one, the DSR is a reliable early warning indicator for systemic banking crises. Furthermore, a high DSR has a strong negative impact on consumption and investment. The DSRs are constructed based primarily on data from the national accounts.

Our data

Publication dates

The data set is updated quarterly.

View our release calendar for advance notice of publication details.

Browse and download data

Debt service ratios can also be generated using:

The statistics can also be downloaded in a single CSV file.

More information

The following provides further information on the debt service ratios for the private non-financial sector.


For queries regarding debt service ratios for the private non-financial sector, please write to statistics$ (where "$" denotes "@").