Presentation to the Portfolio Committee on Trade and Industry Statistics on Consumer Over-indebtedness 14 June 2017

Topics Debtors Book. Age Analysis of Debtors Book. Credit Extension. Credit Active Consumers and Accounts. Debt Counselling Trends

How much do consumers owe? As at 31 December 2016

Age Analysis - Debtors Book (RV)

Percentage distribution of disbursement per credit type (RV) Secured credit extension has overtaken mortgages. R42.2b R37.3b

Credit standing of consumers at the bureaus As at the end of December 2016 there were 24.31 credit active consumers of which 59.9% (14.55 million) were in “good standing”. The balance of 40.2% (9.76 million) had some form of “impaired record”.

Credit standing of consumers at the bureaus

Credit standing of accounts at the bureaus The number of accounts listed at the bureaus at the end of December 2016 was 82.42 million, 75.7% (62.41 million) were in “good standing”. The balance of 24.2% (20.01 million) accounts had “impaired records”.

Credit standing of accounts at the bureaus

DC Trends – Monthly Applications

DC Trends – Paying Consumers

DC Trends – Monthly Distribution

TransUnion Credit Index indicates improving Consumer Credit Health in the First Quarter of 2017

Debt counselling statistics: Applications (2014-2016)

Debt counselling statistics: Income levels (2014-2016)

Debt counselling statistics: Age groups

Debt counselling statistics: Gender

Debt counselling statistics: Race (2014-2016)

Debt counselling statistics: sector (2014-2016)

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