Microeconomic Information Department
Latest data recorded
August 2016
Central Individual Credit Register
1. Key figures
TABLE 1.
NUMBER OF BORROWERS
(situation at end of period)
With at least:
- one outstanding contract
- one non-regularised overdue contract
2015-08
2016-08
6,222,005
355,326
6,243,694
366,023
5.7 %
5.9 %
Percentage of defaulting borrowers
TABLE 2.
% change
+0.3 %
+3.0 %
NUMBER OF LOANS
(situation at end of period)
Outstanding contracts
Consumer credit¹
Mortgage loans
2015-08
2016-08
11,266,050
8,388,952
2,877,096
11,273,250
8,332,110
2,941,140
+0.1 %
-0.7 %
+2.2 %
534,145
500,345
33,800
550,624
517,949
32,675
+3.1 %
+3.5 %
-3.3 %
Non-regularised overdue contracts
Consumer credit¹
Mortgage loans
Percentage of overdue contracts
Consumer credit¹
Mortgage loans
TABLE 3.
4.7 %
6.0 %
1.2 %
% change
4.9 %
6.2 %
1.1 %
ARREARS / AMOUNTS DUE
(situation at end of period, non-regularised contracts)
2015-08
2016-08
Total amount of overdue contracts (in thousands of euros)
Average amount per overdue contract (in euro)
3,124,918
5,850
3,123,566
5,673
-0.0 %
-3.0 %
Consumer credit¹ (in thousands of euros)
Average amount per overdue contract (in euro)
1,772,021
3,542
1,754,747
3,388
-1.0 %
-4.3 %
Mortgage loans (in thousands of euros)
Average amount per overdue contract (in euro)
1,352,897
40,027
1,368,819
41,892
+1.2 %
+4.7 %
2015-08
2016-08
TABLE 4.
% change
COLLECTIVE DEBT SETTLEMENTS
% change
Total ongoing procedures
98,207
97,276
-0.9 %
New requests this year
10,784
10,750
-0.3 %
¹ includes instalment loans, instalment sales, hire-purchase and revolving credit facilities.
Microeconomic Information
boulevard de Berlaimont 14
tel. + 32 2 221 22 41
VAT BE 0203.201.340
National Bank of Belgium
BE-1000 BRUSSELS
www.nbb.be
RLP Brussels
1/7
Latest data recorded
August 2016
Central Individual Credit Register
2. Detailed figures
2.1 Credit trends
2.1.1 Charts
CHART 1.
NUMBER OF BORROWERS WITH AT LEAST ONE OUTSTANDING CONTRACT
(situation at end of period - in thousands)
7,000
6,217
7,000
6,244
6,242
6,222
6,244
6,000
6,000
5,057
5,043
5,018
4,922
5,000
4,851
5,000
4,000
4,000
2,861
2,844
3,000
2,068
2,038
2,005
2,865
2,917
2,891
3,000
2,166
2,083
2,000
2,000
1,000
384
307
256
201
1,000
177
0
0
2012-08
2013-08
Installment loans
Mortgage loans
CHART 2.
2014-08
Installment sales
2015-08
2016-08
Revolving credit
Total (right-hand scale)
NUMBER OF OUTSTANDING CONTRACTS
(situation at end of period - in thousands)
14,000
12,000
10,000
11,403
11,449
11,429
11,266
11,273
2,739
2,788
2,812
2,877
2,941
6,681
6,701
6,666
6,449
6,279
325
1,657
268
1,692
228
1,723
187
1,753
177
1,877
2012-08
2013-08
2014-08
2015-08
2016-08
8,000
6,000
4,000
2,000
0
CHART 3.
Installment loans
Installment sales
Mortgage loans
Total
Revolving credit
NUMBER OF NEW CONTRACTS
(aggregate numbers for the current year)
1,300,000
1,200,000
1,100,000
1,000,000
900,000
800,000
700,000
600,000
500,000
400,000
300,000
200,000
100,000
0
1,159,647
957,969
209,094
1,103,702
1,004,375
205,311
867,813
468,190
348,104
174,464
350,421
384,695
73,022
278,905
254,688
61,888
62,476
48,537
325,432
352,481
351,968
388,232
2012-08
2013-08
2014-08
2015-08
Installment loans
Mortgage loans
Installment sales
Total
248,884
54,508
452,206
2016-08
Revolving credit
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Latest data recorded
August 2016
Central Individual Credit Register
2.1.2 Tables
TABLE 5.
NUMBER OF BORROWERS WITH AT LEAST ONE OUTSTANDING CONTRACT
(situation at end of period)
Total¹
Consumer credit¹
of which:
Instalment loans
Instalment sales
Revolving credit
Mortgage loans
TABLE 6.
Change over
one month*
Change over
one year**
2015-08
2016-07
2016-08
6,222,005
5,528,771
6,247,556
5,525,817
6,243,694
5,519,164
-0.1 %
-0.1 %
+0.3 %
-0.2 %
2,083,281
200,556
4,922,065
2,891,226
2,168,541
179,335
4,858,776
2,915,742
2,166,428
176,994
4,850,812
2,916,585
-0.1 %
-1.3 %
-0.2 %
+0.0 %
+4.0 %
-11.7 %
-1.4 %
+0.9 %
NUMBER OF OUTSTANDING CONTRACTS
(situation at end of period)
Total
Consumer credit
of which:
Instalment loans
Instalment sales
Revolving credit
Mortgage loans
TABLE 7.
Change over
one month*
Change over
one year**
2015-08
2016-07
2016-08
11,266,050
8,388,952
11,281,780
8,343,885
11,273,250
8,332,110
-0.1 %
-0.1 %
+0.1 %
-0.7 %
1,753,023
187,149
6,448,780
2,877,096
1,875,251
177,606
6,291,028
2,937,895
1,876,769
176,659
6,278,682
2,941,140
+0.1 %
-0.5 %
-0.2 %
+0.1 %
+7.1 %
-5.6 %
-2.6 %
+2.2 %
2015-08
2016-08
867,813
693,349
1,159,647
691,457
1,103,702
755,598
-4.8 %
+9.3 %
351,968
62,476
278,905
174,464
388,232
48,537
254,688
468,190
452,206
54,508
248,884
348,104
+16.5 %
+12.3 %
-2.3 %
-25.6 %
NUMBER OF NEW CONTRACTS
(aggregate numbers for the current year)
2014-08
Total
Consumer credit
of which:
Instalment loans
Instalment sales
Revolving credit
Mortgage loans
% change
* Percentage change compared with the previous month.
** Percentage change compared with the corresponding month of the previous year.
¹ The total number of borrowers is not equal to the sum of the number of borrowers per type of credit. A borrower who has contracted
several different types of loan is counted in each of the categories but only once in the total number.
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Latest data recorded
August 2016
Central Individual Credit Register
2.2 Trends in credit defaults
2.2.1 Charts
CHART 4.
NUMBER OF BORROWERS WITH AT LEAST ONE OUTSTANDING OVERDUE CONTRACT
(situation at end of period - non-regularised - in thousands)
300
323
250
200
174
192
177
173
222
206
177
400
366
240
355
345
335
350
300
174
171
250
200
150
150
100
41
50
41
42
40
44
38
45
37
43
35
100
50
0
0
2012-08
CHART 5.
2013-08
2014-08
Installment loans
Installment sales
Mortgage loans
Total (right-hand scale)
2015-08
2016-08
Revolving credit
NUMBER OF OVERDUE CONTRACTS
(situation at end of period - non-regularised - in thousands)
515
534
551
494
33
33
31
34
30
236
256
275
297
317
300
200
46
46
45
44
43
100
161
161
161
160
158
2012-08
2013-08
2014-08
2015-08
2016-08
600
472
500
400
0
CHART 6.
Installment loans
Installment sales
Mortgage loans
Total
Revolving credit
TOTALS OF ARREARS / AMOUNTS DUE
(situation at end of period - in million euro)
3,500
3,000
3,055
3,125
3,124
1,127
1,267
1,353
1,369
441
61
466
58
480
55
485
49
501
44
1,208
1,237
1,253
1,238
1,209
2013-08
2014-08
2015-08
2,888
2,642
2,500
2,000
1,500
1,000
500
932
0
2012-08
Installment loans
Installment sales
Mortgage loans
Total
2016-08
Revolving credit
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Latest data recorded
August 2016
Central Individual Credit Register
2.2.1 Charts (continued)
CHART 7.
ARREARS / AVERAGE AMOUNTS DUE
(situation at end of period - in euro)
60,000
5,848
5,595
50,000
5,937
7,000
5,850
5,673
6,000
5,000
40,000
30,000
40,027
41,892
36,176
38,411
1,872
1,328
7,514
1,824
1,260
7,676
1,742
1,204
7,799
1,635
1,119
7,755
1,580
1,027
7,667
2012-08
2013-08
2014-08
2015-08
2016-08
31,457
3,000
20,000
10,000
0
CHART 8.
4,000
Installment loans
Installment sales
Mortgage loans
Total (right-hand scale)
2,000
1,000
0
Revolving credit
NUMBER OF NEW OVERDUE CONTRACTS
(aggregate numbers for the current year)
120,000
100,000
101,254
104,897
101,727
103,536
104,317
8,831
9,214
8,668
8,047
8,306
62,026
64,003
63,957
68,306
67,983
8,510
8,081
6,463
6,628
5,867
21,887
23,599
22,639
20,555
22,161
2015-08
2016-08
Revolving credit
80,000
60,000
40,000
20,000
0
2012-08
2013-08
Installment loans
Mortgage loans
2014-08
Installment sales
Total
5/7
Latest data recorded
August 2016
Central Individual Credit Register
2.2.3 Tables
TABLE 8.
NUMBER OF BORROWERS WITH AT LEAST ONE OUTSTANDING OVERDUE CONTRACT
(situation at end of period - non-regularised)
Total¹
Consumer credit¹
of which:
Instalment loans
Instalment sales
Revolving credit
Mortgage loans
TABLE 9.
2015-08
355,326
333,381
2016-07
365,474
344,584
2016-08
366,023
345,339
174,470
36,730
222,430
44,592
171,193
34,917
239,432
43,460
171,015
34,876
240,361
43,182
2015-08
534,145
500,345
2016-07
549,866
516,960
2016-08
550,624
517,949
159,597
44,201
296,547
33,800
157,853
42,830
316,277
32,906
157,749
42,859
317,341
32,675
Change over Change over
one month*
one year**
+0.2 %
+3.0 %
+0.2 %
+3.6 %
-0.1 %
-0.1 %
+0.4 %
-0.6 %
-2.0 %
-5.0 %
+8.1 %
-3.2 %
NUMBER OF OVERDUE CONTRACTS
(situation at end of period - non-regularised)
Total
Consumer credit
of which:
Instalment loans
Instalment sales
Revolving credit
Mortgage loans
TABLE 10.
Change over Change over
one month*
one year**
+0.1 %
+3.1 %
+0.2 %
+3.5 %
-0.1 %
+0.1 %
+0.3 %
-0.7 %
-1.2 %
-3.0 %
+7.0 %
-3.3 %
ARREARS / AMOUNTS DUE
(situation at end of period - in thousands of euro)
Total
Consumer credit
of which:
Instalment loans
Instalment sales
Revolving credit
Mortgage loans
TABLE 11.
Change over Change over
one month*
one year**
-0.4 %
-0.0 %
-0.4 %
-1.0 %
2015-08
3,124,918
1,772,021
2016-07
3,135,467
1,761,243
2016-08
3,123,566
1,754,747
1,237,616
49,474
484,931
1,352,897
1,210,548
44,467
506,229
1,374,224
1,209,405
44,034
501,308
1,368,819
-0.1 %
-1.0 %
-1.0 %
-0.4 %
% change
+0.8 %
+0.5 %
-2.3 %
-11.0 %
+3.4 %
+1.2 %
NUMBER OF NEW OVERDUE CONTRACTS
(aggregate numbers for the current year)
2014-08
101,727
93,059
2015-08
103,536
95,489
2016-08
104,317
96,011
Instalment loans
22,639
20,555
22,161
+7.8 %
Instalment sales
Revolving credit
Mortgage loans
6,463
63,957
6,628
68,306
5,867
67,983
-11.5 %
-0.5 %
8,668
8,047
8,306
+3.2 %
Total
Consumer credit
of which:
* Percentage change compared with the previous month.
** Percentage change compared with the corresponding month of the previous year.
¹ The total number of borrowers is not equal to the sum of the number of borrowers per type of credit. A borrower who has contracted several
different types of loan is counted in each of the categories but only once in the total number.
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Latest data recorded
August 2016
Central Individual Credit Register
2.3 Regional breakdown
TABLE 12.
NUMBER OF BORROWERS WITH AT LEAST ONE OUTSTANDING CONTRACT
(situation at end of period)
Total
in Flanders
in Wallonia
in the Brussels-Capital Region
abroad
Consumer credit
in Flanders
in Wallonia
in the Brussels-Capital Region
abroad
Mortgage loans
in Flanders
in Wallonia
in the Brussels-Capital Region
abroad
TABLE 13.
2015-08
6,222,005
3,565,030
2,029,874
527,234
99,867
5,528,771
3,070,707
1,885,950
482,197
89,917
2,891,226
1,800,278
895,268
174,931
20,749
2016-07
6,247,556
3,580,452
2,031,207
529,886
106,011
5,525,817
3,065,458
1,880,511
483,446
96,402
2,915,742
1,819,435
900,542
175,498
20,267
2016-08
6,243,694
3,578,339
2,029,424
527,044
108,887
5,519,164
3,061,227
1,878,038
480,727
99,172
2,916,585
1,820,686
900,677
174,440
20,782
Change over Change over
one month* one year**
-0.1 %
+0.3 %
-0.1 %
+0.4 %
-0.1 %
-0.0 %
-0.5 %
-0.0 %
+2.7 %
+9.0 %
-0.1 %
-0.2 %
-0.1 %
-0.3 %
-0.1 %
-0.4 %
-0.6 %
-0.3 %
+2.9 %
+10.3 %
+0.0 %
+0.9 %
+0.1 %
+1.1 %
+0.0 %
+0.6 %
-0.6 %
-0.3 %
+2.5 %
+0.2 %
NUMBER OF BORROWERS WITH AT LEAST ONE OUTSTANDING OVERDUE CONTRACT
(situation at end of period - non-regularised)
Total
in Flanders
in Wallonia
in the Brussels-Capital Region
abroad
Consumer credit
in Flanders
in Wallonia
in the Brussels-Capital Region
abroad
Mortgage loans
in Flanders
in Wallonia
in the Brussels-Capital Region
abroad
2015-08
355,326
133,049
152,590
49,152
20,535
333,381
123,493
142,944
47,151
19,793
44,592
18,258
21,152
3,750
1,432
2016-07
365,474
137,404
154,446
50,792
22,832
344,584
128,370
145,286
48,858
22,070
43,460
17,626
20,598
3,714
1,522
2016-08
366,023
137,569
154,384
50,828
23,242
345,339
128,605
145,364
48,896
22,474
43,182
17,502
20,410
3,715
1,555
Change over Change over
one month* one year**
+0.2 %
+3.0 %
+0.1 %
+3.4 %
-0.0 %
+1.2 %
+0.1 %
+3.4 %
+1.8 %
+13.2 %
+0.2 %
+3.6 %
+0.2 %
+4.1 %
+0.1 %
+1.7 %
+0.1 %
+3.7 %
+1.8 %
+13.5 %
-0.6 %
-3.2 %
-0.7 %
-4.1 %
-0.9 %
-3.5 %
+0.0 %
-0.9 %
+2.2 %
+8.6 %
* Percentage change compared with the previous month.
** Percentage change compared with the corresponding month of the previous year.
For further information, contact the Central Individual Credit Register.
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