Debt service ratios for the private non-financial sector

Updated 11 March 2018

The BIS publishes estimated debt service ratios (DSRs) for the household, the non-financial corporate and the total private non-financial sector (PNFS) using standardised data inputs for 17 countries. Total PNFS DSRs are also available for 15 additional countries, using alternative income and interest rate measures, reflecting differences in 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.

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


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