Debt service ratios for the private non-financial sector
Updated 17 September 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.
- Data: Debt service ratios (XLSX, last updated 17 September 2017)
- Tables on debt service ratios (from the Statistical Bulletin)
- Metholodogy and data for DSR calculation (last updated 6 June 2017)
The data set is updated quarterly.
View our release calendar for advance notice of publication details.
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Debt service ratios can also be generated using:
- BIS Statistics Explorer - a browsing tool for pre-defined views of the BIS's most current data
- BIS Statistics Warehouse - a search tool for customised queries of BIS's most current data
The statistics can also be downloaded in a single CSV file.
The following provides further information on the debt service ratios for the private non-financial sector.
- "How much income is used for debt payments? A new database for debt service ratios", article from the BIS Quarterly Review, September 2015.
For queries regarding debt service ratios for the private non-financial sector, please write to statistics$bis.org (where "$" denotes "@").