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Consumer Credit

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National Accounts, Economic Statistics.
Jesper Søgaard Dreesen
+45 39 17 30 54

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Consumer Credit

These statistics show the volume and development of consumer credit and credit cards services. With its short production time of 35 days after the end of the quarter, these statistics can serve as a business cycle indicator for credit intermediation in Denmark.

Statistical presentation

These statistics are a quarterly estimate of consumer credit in DKK million, provided by financial and non-financial corporations inside and outside the banking sector. The consumer credit is distributed by balance on purchase cards and debit cards, including gasoline companies, as well as on short-term loans and credit against collateral.

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Statistical processing

The data is gathered electronically through The company will be contacted in the absence of reporting. A manual validation of the data is performed before publication.

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The statistic contributes to the general information on the Danish lending and may, given the short time of production, serve as a business cycle indicator. Therefore it is broadly oriented towards the different sectors: private citizens, businesses, politicians, authorities or educational institutions. Data regarding user satisfaction is not gathered at this time.

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Accuracy and reliability

The statistic covers all providers of consumer credit and debit payments and the response rate is 100 per cent. There will be no revisions to the statistics. However, there may be some uncertainty associated with coverage error, and measurement error due to new providers and ongoing product development in the industry.

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Timeliness and punctuality

The publication time of the statistic is 35 days. The statistic is usually published without delay in relation to the scheduled date.

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The population is defined for relatively few units, causing some sensitivity to the constant changes in the population. This adjustment is a result of new players and where companies no longer meet the requirements to be included in the statistics.

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Accessibility and clarity

These statistics are published in the Statbank under Consumer Credit. For further information, go to the subject page.

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