Lower prices produce higher demand… or do they? A bank’s direct marketing to holders of “free” checking accounts show that a large discount on 60% APR overdrafts reduces overdraft usage, especially when bundled with a discount on debit card or auto-debit transactions. In contrast, messages mentioning overdraft availability without mentioning price increase usage. Neither change persists long after messages stop. These results do not square easily with classical models of consumer choice and firm competition. Instead they support behavioral models where consumers both underestimate and are inattentive to overdraft costs, and firms respond by shrouding overdraft prices in equilibrium.

Brazil Loans: Outstanding: Financial System: Balance: Non Financial Corporations: Nonearmarked: Overdraft data was reported at 9,950.000 BRL mn in May 2019. This records a decrease from the previous number of 10,390.000 BRL mn for Apr 2019. Brazil Loans: Outstanding: Financial System: Balance: Non Financial Corporations: Nonearmarked: Overdraft data is updated monthly, averaging 12,801.000 BRL mn from Mar 2007 (Median) to May 2019, with 147 observations. The data reached an all-time high of 16,184.000 BRL mn in Jun 2015 and a record low of 8,838.000 BRL mn in Dec 2018. Brazil Loans: Outstanding: Financial System: Balance: Non Financial Corporations: Nonearmarked: Overdraft data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Monetary – Table BR.KAB001: Loans: Outstanding: Financial System: Balance: by Modality. Brazilian Central Bank has made changes in methodology of Financial System Credit Data in February of 2013 after 13 years following the same methodology. These changes are necessary face the expansion of credit, favored by the improvement of the indicators of employment and income, continuous and sharp reduction of the interest rates and by important institutional advances. It is essential the availability of new information, in particular, which allows more detailed monitoring of credit arrangements with targeted resources, especially real estate financing, whose dynamism has contributed to reducing the housing deficit in the country. The main change includes coverage of data on concessions, interest rates, terms and default rates that were extended to the segment of directed credit and also became necessary to further detailing the statistical framework, to enable identification of the terms most relevant as well as reduce the relative share of loans not classified - embedded in 'other receivables'. Banco Central do Brasil fez mudanças na metodologia de Dados de Crédito do Sistema Financeiro, em fevereiro de 2013 depois de 13 anos seguindo a mesma metodologia. Essas mudanças são fundamentais face a expansão do crédito, favorecido pela melhora dos indicadores de emprego e renda, redução contínua e acentuada das taxas de juro e por importantes avanços institucionais. É imprescindível a disponibilidade de novas informações, em particular, que possibilitem o acompanhamento mais detalhado das modalidades de crédito com recursos direcionados, sobretudo os financiamentos imobiliários, cujo dinamismo tem contribuído para a redução do déficit habitacional no País. A principal alteração compreende a cobertura dos dados relativos a concessões, taxas de juros, prazos e índices de inadimplência que passam a serem estendidos ao segmento de crédito direcionado e também se fez necessário aprofundar o detalhamento do arcabouço estatístico, de modo a possibilitar a identificação das modalidades mais relevantes, bem como reduzir a participação relativa das operações de crédito não classificadas – incorporadas em “outros créditos”.

Fra april 2020 kan bankerne kun opkræve en simpel årlig rente for brugere af overtræk – uden yderligere gebyrer og afgifter.

Alle brugere af uorganiserede overtræk vil være bedre stillet eller se ingen ændring. I de fleste scenarier vil et flertal af forbrugere, der bruger et arrangeret overtræk, også se et forbedret resultat eller ingen forskel. Samlet set vil syv ud af ti overtræk brugere være bedre stillet eller se ingen ændring.

Tabellerne viser de skønnede ændringer i kassekreditomkostninger for en række typiske arrangerede og uorganiserede lånescenarier i nogle af de største banker og byggeselskaber.

Brazil Loans: Outstanding: Financial System: Balance: Households: Nonearmarked: Overdraft data was reported at 25,439.000 BRL mn in May 2019. This records a decrease from the previous number of 25,689.000 BRL mn for Apr 2019. Brazil Loans: Outstanding: Financial System: Balance: Households: Nonearmarked: Overdraft data is updated monthly, averaging 23,860.000 BRL mn from Mar 2007 (Median) to May 2019, with 147 observations. The data reached an all-time high of 27,687.000 BRL mn in Feb 2016 and a record low of 15,173.000 BRL mn in Dec 2007. Brazil Loans: Outstanding: Financial System: Balance: Households: Nonearmarked: Overdraft data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Monetary – Table BR.KAB001: Loans: Outstanding: Financial System: Balance: by Modality. Brazilian Central Bank has made changes in methodology of Financial System Credit Data in February of 2013 after 13 years following the same methodology. These changes are necessary face the expansion of credit, favored by the improvement of the indicators of employment and income, continuous and sharp reduction of the interest rates and by important institutional advances. It is essential the availability of new information, in particular, which allows more detailed monitoring of credit arrangements with targeted resources, especially real estate financing, whose dynamism has contributed to reducing the housing deficit in the country. The main change includes coverage of data on concessions, interest rates, terms and default rates that were extended to the segment of directed credit and also became necessary to further detailing the statistical framework, to enable identification of the terms most relevant as well as reduce the relative share of loans not classified - embedded in 'other receivables'. Banco Central do Brasil fez mudanças na metodologia de Dados de Crédito do Sistema Financeiro, em fevereiro de 2013 depois de 13 anos seguindo a mesma metodologia. Essas mudanças são fundamentais face a expansão do crédito, favorecido pela melhora dos indicadores de emprego e renda, redução contínua e acentuada das taxas de juro e por importantes avanços institucionais. É imprescindível a disponibilidade de novas informações, em particular, que possibilitem o acompanhamento mais detalhado das modalidades de crédito com recursos direcionados, sobretudo os financiamentos imobiliários, cujo dinamismo tem contribuído para a redução do déficit habitacional no País. A principal alteração compreende a cobertura dos dados relativos a concessões, taxas de juros, prazos e índices de inadimplência que passam a serem estendidos ao segmento de crédito direcionado e também se fez necessário aprofundar o detalhamento do arcabouço estatístico, de modo a possibilitar a identificação das modalidades mais relevantes, bem como reduzir a participação relativa das operações de crédito não classificadas – incorporadas em “outros créditos”.

This statistic shows monthly data of the annual growth rates of personal loans and overdrafts by United Kingdom leading high-street banks from ************* to ************* (figures for each month of respective years, calculated change year-on-year). As of *************, the annual growth rate of personal loans and overdrafts by high street banks was * percent on the previous year.

Brazil Loans: Outstanding: Financial System: New Operations: Household: Nonearmarked: Overdraft data was reported at 33,282.000 BRL mn in May 2019. This records an increase from the previous number of 32,453.000 BRL mn for Apr 2019. Brazil Loans: Outstanding: Financial System: New Operations: Household: Nonearmarked: Overdraft data is updated monthly, averaging 28,738.000 BRL mn from Mar 2011 (Median) to May 2019, with 99 observations. The data reached an all-time high of 34,159.000 BRL mn in Mar 2017 and a record low of 22,810.000 BRL mn in Apr 2011. Brazil Loans: Outstanding: Financial System: New Operations: Household: Nonearmarked: Overdraft data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Monetary – Table BR.KAB002: Loans: Outstanding: Financial System: New Operations: by Modality. Brazilian Central Bank has made changes in methodology of Financial System Credit Data in February of 2013 after 13 years following the same methodology. These changes are necessary face the expansion of credit, favored by the improvement of the indicators of employment and income, continuous and sharp reduction of the interest rates and by important institutional advances. It is essential the availability of new information, in particular, which allows more detailed monitoring of credit arrangements with targeted resources, especially real estate financing, whose dynamism has contributed to reducing the housing deficit in the country. The main change includes coverage of data on concessions, interest rates, terms and default rates that were extended to the segment of directed credit and also became necessary to further detailing the statistical framework, to enable identification of the terms most relevant as well as reduce the relative share of loans not classified - embedded in 'other receivables'. Banco Central do Brasil fez mudanças na metodologia de Dados de Crédito do Sistema Financeiro, em fevereiro de 2013 depois de 13 anos seguindo a mesma metodologia. Essas mudanças são fundamentais face a expansão do crédito, favorecido pela melhora dos indicadores de emprego e renda, redução contínua e acentuada das taxas de juro e por importantes avanços institucionais. É imprescindível a disponibilidade de novas informações, em particular, que possibilitem o acompanhamento mais detalhado das modalidades de crédito com recursos direcionados, sobretudo os financiamentos imobiliários, cujo dinamismo tem contribuído para a redução do déficit habitacional no País. A principal alteração compreende a cobertura dos dados relativos a concessões, taxas de juros, prazos e índices de inadimplência que passam a serem estendidos ao segmento de crédito direcionado e também se fez necessário aprofundar o detalhamento do arcabouço estatístico, de modo a possibilitar a identificação das modalidades mais relevantes, bem como reduzir a participação relativa das operações de crédito não classificadas – incorporadas em “outros créditos”.

The cooperative banking sector has developed negatively over the last five years. Industry revenue, which is made up of interest and commission income, has fallen by an average of 0.6% per year since 2019. The poor earnings performance in the years 2019 to 2021 is primarily due to the low level of interest rates and strong competition in the market. As a result of the financial crisis in 2008 and the euro crisis in 2010, the European Central Bank (ECB) was forced to keep lowering the key interest rate until it reached a low of 0% in March 2016. In 2020, the far-reaching negative effects of the coronavirus crisis prevented an increase in the key interest rate due to the associated risk of a Europe-wide recession. As a result, interest income in the sector fell, which caused difficulties for smaller cooperative banks in particular.In the current year, the sector should be able to increase commission income from the home loan and savings business and interest income from overdraft facilities and variable-interest loans in the short term, as demand is increasingly shifting from building loans to home loan and savings products due to high interest rates and overdraft facilities are increasingly in demand to cover the high cost of living. Overall, turnover in the sector is expected to increase by 0.3% year-on-year to 29.6 billion euros. However, the poor business and consumer climate is weighing on the cooperative banks. In addition, the over-indebtedness ratio is likely to stagnate or even rise slightly in the current year, which is why there is a risk that the number of non-performing loans will increase. This development is likely to cause problems for the cooperative banks.IBISWorld expects the cooperative banks' interest and commission income to fall by an average of 0.7% per year over the next five years and thus amount to 28.7 billion euros in 2029. As the banking market in Germany, which is highly fragmented by international standards, is saturated, significant changes are to be expected in the coming years. It can be assumed that banks will increasingly merge in order to increase their competitiveness, meaning that the previous consolidation of the sector is likely to accelerate. In addition, digitalisation will continue to gain in importance and the successful introduction of innovative and modern products as well as the expansion of sales channels will be decisive for a company's success.

Bank Lending Rate in South Africa decreased to 10.75 percent in May from 11 percent in March of 2025. This dataset provides - South Africa Prime Overdraft Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Brazil Loans: Outstanding: Financial System: Balance: Non Financial Corporations: Nonearmarked: Guaranteed Overdraft Accounts data was reported at 31,014.000 BRL mn in May 2019. This records a decrease from the previous number of 31,494.000 BRL mn for Apr 2019. Brazil Loans: Outstanding: Financial System: Balance: Non Financial Corporations: Nonearmarked: Guaranteed Overdraft Accounts data is updated monthly, averaging 37,761.000 BRL mn from Mar 2007 (Median) to May 2019, with 147 observations. The data reached an all-time high of 47,505.000 BRL mn in Apr 2012 and a record low of 27,115.000 BRL mn in Mar 2007. Brazil Loans: Outstanding: Financial System: Balance: Non Financial Corporations: Nonearmarked: Guaranteed Overdraft Accounts data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Monetary – Table BR.KAB001: Loans: Outstanding: Financial System: Balance: by Modality. Brazilian Central Bank has made changes in methodology of Financial System Credit Data in February of 2013 after 13 years following the same methodology. These changes are necessary face the expansion of credit, favored by the improvement of the indicators of employment and income, continuous and sharp reduction of the interest rates and by important institutional advances. It is essential the availability of new information, in particular, which allows more detailed monitoring of credit arrangements with targeted resources, especially real estate financing, whose dynamism has contributed to reducing the housing deficit in the country. The main change includes coverage of data on concessions, interest rates, terms and default rates that were extended to the segment of directed credit and also became necessary to further detailing the statistical framework, to enable identification of the terms most relevant as well as reduce the relative share of loans not classified - embedded in 'other receivables'. Banco Central do Brasil fez mudanças na metodologia de Dados de Crédito do Sistema Financeiro, em fevereiro de 2013 depois de 13 anos seguindo a mesma metodologia. Essas mudanças são fundamentais face a expansão do crédito, favorecido pela melhora dos indicadores de emprego e renda, redução contínua e acentuada das taxas de juro e por importantes avanços institucionais. É imprescindível a disponibilidade de novas informações, em particular, que possibilitem o acompanhamento mais detalhado das modalidades de crédito com recursos direcionados, sobretudo os financiamentos imobiliários, cujo dinamismo tem contribuído para a redução do déficit habitacional no País. A principal alteração compreende a cobertura dos dados relativos a concessões, taxas de juros, prazos e índices de inadimplência que passam a serem estendidos ao segmento de crédito direcionado e também se fez necessário aprofundar o detalhamento do arcabouço estatístico, de modo a possibilitar a identificação das modalidades mais relevantes, bem como reduzir a participação relativa das operações de crédito não classificadas – incorporadas em “outros créditos”.

Brazil Loans: Outstanding: Financial System: New Operations: Non Financial Corporations: Nonearmarked: Overdraft data was reported at 18,713.000 BRL mn in May 2019. This records an increase from the previous number of 18,280.000 BRL mn for Apr 2019. Brazil Loans: Outstanding: Financial System: New Operations: Non Financial Corporations: Nonearmarked: Overdraft data is updated monthly, averaging 18,927.000 BRL mn from Mar 2011 (Median) to May 2019, with 99 observations. The data reached an all-time high of 23,165.000 BRL mn in Mar 2015 and a record low of 14,712.000 BRL mn in Feb 2017. Brazil Loans: Outstanding: Financial System: New Operations: Non Financial Corporations: Nonearmarked: Overdraft data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Monetary – Table BR.KAB002: Loans: Outstanding: Financial System: New Operations: by Modality. Brazilian Central Bank has made changes in methodology of Financial System Credit Data in February of 2013 after 13 years following the same methodology. These changes are necessary face the expansion of credit, favored by the improvement of the indicators of employment and income, continuous and sharp reduction of the interest rates and by important institutional advances. It is essential the availability of new information, in particular, which allows more detailed monitoring of credit arrangements with targeted resources, especially real estate financing, whose dynamism has contributed to reducing the housing deficit in the country. The main change includes coverage of data on concessions, interest rates, terms and default rates that were extended to the segment of directed credit and also became necessary to further detailing the statistical framework, to enable identification of the terms most relevant as well as reduce the relative share of loans not classified - embedded in 'other receivables'. Banco Central do Brasil fez mudanças na metodologia de Dados de Crédito do Sistema Financeiro, em fevereiro de 2013 depois de 13 anos seguindo a mesma metodologia. Essas mudanças são fundamentais face a expansão do crédito, favorecido pela melhora dos indicadores de emprego e renda, redução contínua e acentuada das taxas de juro e por importantes avanços institucionais. É imprescindível a disponibilidade de novas informações, em particular, que possibilitem o acompanhamento mais detalhado das modalidades de crédito com recursos direcionados, sobretudo os financiamentos imobiliários, cujo dinamismo tem contribuído para a redução do déficit habitacional no País. A principal alteração compreende a cobertura dos dados relativos a concessões, taxas de juros, prazos e índices de inadimplência que passam a serem estendidos ao segmento de crédito direcionado e também se fez necessário aprofundar o detalhamento do arcabouço estatístico, de modo a possibilitar a identificação das modalidades mais relevantes, bem como reduzir a participação relativa das operações de crédito não classificadas – incorporadas em “outros créditos”.

Brazil Loans: Outstanding: Financial System: New Operations: Non Financial Corporations: Nonearmarked: Guaranteed Overdraft Accounts data was reported at 15,736.000 BRL mn in May 2019. This records an increase from the previous number of 15,619.000 BRL mn for Apr 2019. Brazil Loans: Outstanding: Financial System: New Operations: Non Financial Corporations: Nonearmarked: Guaranteed Overdraft Accounts data is updated monthly, averaging 20,551.000 BRL mn from Mar 2011 (Median) to May 2019, with 99 observations. The data reached an all-time high of 24,097.000 BRL mn in Dec 2011 and a record low of 14,999.000 BRL mn in Feb 2019. Brazil Loans: Outstanding: Financial System: New Operations: Non Financial Corporations: Nonearmarked: Guaranteed Overdraft Accounts data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Monetary – Table BR.KAB002: Loans: Outstanding: Financial System: New Operations: by Modality. Brazilian Central Bank has made changes in methodology of Financial System Credit Data in February of 2013 after 13 years following the same methodology. These changes are necessary face the expansion of credit, favored by the improvement of the indicators of employment and income, continuous and sharp reduction of the interest rates and by important institutional advances. It is essential the availability of new information, in particular, which allows more detailed monitoring of credit arrangements with targeted resources, especially real estate financing, whose dynamism has contributed to reducing the housing deficit in the country. The main change includes coverage of data on concessions, interest rates, terms and default rates that were extended to the segment of directed credit and also became necessary to further detailing the statistical framework, to enable identification of the terms most relevant as well as reduce the relative share of loans not classified - embedded in 'other receivables'. Banco Central do Brasil fez mudanças na metodologia de Dados de Crédito do Sistema Financeiro, em fevereiro de 2013 depois de 13 anos seguindo a mesma metodologia. Essas mudanças são fundamentais face a expansão do crédito, favorecido pela melhora dos indicadores de emprego e renda, redução contínua e acentuada das taxas de juro e por importantes avanços institucionais. É imprescindível a disponibilidade de novas informações, em particular, que possibilitem o acompanhamento mais detalhado das modalidades de crédito com recursos direcionados, sobretudo os financiamentos imobiliários, cujo dinamismo tem contribuído para a redução do déficit habitacional no País. A principal alteração compreende a cobertura dos dados relativos a concessões, taxas de juros, prazos e índices de inadimplência que passam a serem estendidos ao segmento de crédito direcionado e também se fez necessário aprofundar o detalhamento do arcabouço estatístico, de modo a possibilitar a identificação das modalidades mais relevantes, bem como reduzir a participação relativa das operações de crédito não classificadas – incorporadas em “outros créditos”.

Personal Finance Management Software Market Outlook

The global personal finance management software market size was valued at approximately USD 1.5 billion in 2023 and is projected to reach USD 4.3 billion by 2032, growing at a CAGR of 12.5% from 2024 to 2032. The rapid growth of this market is driven by increasing consumer demand for efficient financial planning and budgeting solutions, the proliferation of digital technologies, and the rising awareness of financial literacy.

One of the primary growth factors for the personal finance management software market is the increasing need for individuals and businesses to manage their finances more effectively. With the complexity of financial products and services in today's economy, consumers are increasingly seeking tools that can help them track their expenses, create budgets, and plan for future financial goals. The advent of user-friendly software solutions that cater to these needs has significantly fueled market growth. Moreover, the integration of advanced technologies such as artificial intelligence and machine learning into these software platforms provides users with personalized financial insights, further driving market expansion.

Another notable growth driver is the increasing penetration of smartphones and internet connectivity, which has expanded access to personal finance management tools. The widespread adoption of mobile applications has made it easier for individuals to manage their finances on the go. Additionally, financial institutions and fintech companies are increasingly offering integrated financial management solutions as part of their digital banking services, contributing to the market's growth. The convenience and accessibility provided by these digital platforms are key factors in their growing popularity among consumers.

The growing awareness of financial literacy and the importance of personal financial management is also propelling the market. Governments and educational institutions globally are emphasizing financial education, leading to a more informed consumer base. As individuals become more conscious of the need to manage their finances prudently, the demand for effective financial management tools is expected to rise. Moreover, the economic uncertainties and financial crises experienced in recent years have underscored the importance of maintaining good financial health, further driving the adoption of personal finance management software.

In the realm of personal finance management, the role of Account Checking Software has become increasingly significant. These software solutions offer users the ability to monitor and manage their bank accounts with ease, providing real-time updates on account balances, transactions, and spending patterns. By integrating with various banking institutions, Account Checking Software ensures that users have a comprehensive view of their financial standing, enabling them to make informed decisions. The convenience and accuracy offered by these tools are particularly beneficial for individuals seeking to maintain financial discipline and avoid overdraft fees. As the demand for seamless financial management continues to grow, the adoption of Account Checking Software is expected to rise, further driving the expansion of the personal finance management software market.

Regionally, North America is expected to hold a significant share of the personal finance management software market due to the high adoption rate of advanced technologies and the presence of major market players. The region's well-established financial infrastructure and high disposable income levels contribute to the strong demand for financial management solutions. Additionally, Asia Pacific is anticipated to witness substantial growth, driven by the rising adoption of smartphones, increasing internet penetration, and growing financial literacy among the population. Emerging markets in Latin America, Europe, and the Middle East & Africa also present lucrative growth opportunities as they continue to develop their financial ecosystems.

Component Analysis

The personal finance management software market is segmented into two primary components: software and services. The software segment encompasses a variety of solutions that cater to different aspects of personal finance management, including budgeting, expense tracking, investment management, and debt reduction. The demand for these solutions is driven by their ability to provide us

Brazil Non Performing Loans: Financial System: Non Financial Corporations: Nonearmarked: Guaranteed Overdraft Accounts data was reported at 1.500 % in May 2019. This stayed constant from the previous number of 1.500 % for Apr 2019. Brazil Non Performing Loans: Financial System: Non Financial Corporations: Nonearmarked: Guaranteed Overdraft Accounts data is updated monthly, averaging 1.800 % from Mar 2011 (Median) to May 2019, with 99 observations. The data reached an all-time high of 3.600 % in Jul 2016 and a record low of 0.870 % in Mar 2011. Brazil Non Performing Loans: Financial System: Non Financial Corporations: Nonearmarked: Guaranteed Overdraft Accounts data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Monetary – Table BR.KAB009: Non Performing Loans: Financial System. Brazilian Central Bank has made changes in methodology of Financial System Credit Data in February of 2013 after 13 years following the same methodology. These changes are necessary face the expansion of credit, favored by the improvement of the indicators of employment and income, continuous and sharp reduction of the interest rates and by important institutional advances. It is essential the availability of new information, in particular, which allows more detailed monitoring of credit arrangements with targeted resources, especially real estate financing, whose dynamism has contributed to reducing the housing deficit in the country. The main change includes coverage of data on concessions, interest rates, terms and default rates that were extended to the segment of directed credit and also became necessary to further detailing the statistical framework, to enable identification of the terms most relevant as well as reduce the relative share of loans not classified - embedded in 'other receivables'. Banco Central do Brasil fez mudanças na metodologia de Dados de Crédito do Sistema Financeiro, em fevereiro de 2013 depois de 13 anos seguindo a mesma metodologia. Essas mudanças são fundamentais face a expansão do crédito, favorecido pela melhora dos indicadores de emprego e renda, redução contínua e acentuada das taxas de juro e por importantes avanços institucionais. É imprescindível a disponibilidade de novas informações, em particular, que possibilitem o acompanhamento mais detalhado das modalidades de crédito com recursos direcionados, sobretudo os financiamentos imobiliários, cujo dinamismo tem contribuído para a redução do déficit habitacional no País. A principal alteração compreende a cobertura dos dados relativos a concessões, taxas de juros, prazos e índices de inadimplência que passam a serem estendidos ao segmento de crédito direcionado e também se fez necessário aprofundar o detalhamento do arcabouço estatístico, de modo a possibilitar a identificação das modalidades mais relevantes, bem como reduzir a participação relativa das operações de crédito não classificadas – incorporadas em “outros créditos”.

Brazil Non Performing Loans: Financial System: Non Financial Corporations: Nonearmarked: Overdraft data was reported at 14.800 % in May 2019. This records an increase from the previous number of 13.600 % for Apr 2019. Brazil Non Performing Loans: Financial System: Non Financial Corporations: Nonearmarked: Overdraft data is updated monthly, averaging 14.300 % from Mar 2011 (Median) to May 2019, with 99 observations. The data reached an all-time high of 29.400 % in Dec 2015 and a record low of 5.500 % in Nov 2013. Brazil Non Performing Loans: Financial System: Non Financial Corporations: Nonearmarked: Overdraft data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Monetary – Table BR.KAB009: Non Performing Loans: Financial System. Brazilian Central Bank has made changes in methodology of Financial System Credit Data in February of 2013 after 13 years following the same methodology. These changes are necessary face the expansion of credit, favored by the improvement of the indicators of employment and income, continuous and sharp reduction of the interest rates and by important institutional advances. It is essential the availability of new information, in particular, which allows more detailed monitoring of credit arrangements with targeted resources, especially real estate financing, whose dynamism has contributed to reducing the housing deficit in the country. The main change includes coverage of data on concessions, interest rates, terms and default rates that were extended to the segment of directed credit and also became necessary to further detailing the statistical framework, to enable identification of the terms most relevant as well as reduce the relative share of loans not classified - embedded in 'other receivables'. Banco Central do Brasil fez mudanças na metodologia de Dados de Crédito do Sistema Financeiro, em fevereiro de 2013 depois de 13 anos seguindo a mesma metodologia. Essas mudanças são fundamentais face a expansão do crédito, favorecido pela melhora dos indicadores de emprego e renda, redução contínua e acentuada das taxas de juro e por importantes avanços institucionais. É imprescindível a disponibilidade de novas informações, em particular, que possibilitem o acompanhamento mais detalhado das modalidades de crédito com recursos direcionados, sobretudo os financiamentos imobiliários, cujo dinamismo tem contribuído para a redução do déficit habitacional no País. A principal alteração compreende a cobertura dos dados relativos a concessões, taxas de juros, prazos e índices de inadimplência que passam a serem estendidos ao segmento de crédito direcionado e também se fez necessário aprofundar o detalhamento do arcabouço estatístico, de modo a possibilitar a identificação das modalidades mais relevantes, bem como reduzir a participação relativa das operações de crédito não classificadas – incorporadas em “outros créditos”.

Brazil Loans: Outstanding: Financial System: Arrears: 15-90 Days: Household: Nonearmarked: Overdraft data was reported at 7.550 % in May 2019. This records a decrease from the previous number of 8.050 % for Apr 2019. Brazil Loans: Outstanding: Financial System: Arrears: 15-90 Days: Household: Nonearmarked: Overdraft data is updated monthly, averaging 6.610 % from Mar 2011 (Median) to May 2019, with 99 observations. The data reached an all-time high of 8.510 % in Mar 2019 and a record low of 5.130 % in Dec 2013. Brazil Loans: Outstanding: Financial System: Arrears: 15-90 Days: Household: Nonearmarked: Overdraft data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Monetary – Table BR.KAB004: Loans: Outstanding: Financial System: Arrears from 15 to 90 Days: by Modality. Brazilian Central Bank has made changes in methodology of Financial System Credit Data in February of 2013 after 13 years following the same methodology. These changes are necessary face the expansion of credit, favored by the improvement of the indicators of employment and income, continuous and sharp reduction of the interest rates and by important institutional advances. It is essential the availability of new information, in particular, which allows more detailed monitoring of credit arrangements with targeted resources, especially real estate financing, whose dynamism has contributed to reducing the housing deficit in the country. The main change includes coverage of data on concessions, interest rates, terms and default rates that were extended to the segment of directed credit and also became necessary to further detailing the statistical framework, to enable identification of the terms most relevant as well as reduce the relative share of loans not classified - embedded in 'other receivables'. Banco Central do Brasil fez mudanças na metodologia de Dados de Crédito do Sistema Financeiro, em fevereiro de 2013 depois de 13 anos seguindo a mesma metodologia. Essas mudanças são fundamentais face a expansão do crédito, favorecido pela melhora dos indicadores de emprego e renda, redução contínua e acentuada das taxas de juro e por importantes avanços institucionais. É imprescindível a disponibilidade de novas informações, em particular, que possibilitem o acompanhamento mais detalhado das modalidades de crédito com recursos direcionados, sobretudo os financiamentos imobiliários, cujo dinamismo tem contribuído para a redução do déficit habitacional no País. A principal alteração compreende a cobertura dos dados relativos a concessões, taxas de juros, prazos e índices de inadimplência que passam a serem estendidos ao segmento de crédito direcionado e também se fez necessário aprofundar o detalhamento do arcabouço estatístico, de modo a possibilitar a identificação das modalidades mais relevantes, bem como reduzir a participação relativa das operações de crédito não classificadas – incorporadas em “outros créditos”.

Brazil Loans: Outstanding: Financial System: Arrears: 15-90 Days: Non Financial Corporations: Nonearmarked: Non Financial Corporations: Overdraft data was reported at 6.740 % in May 2019. This records a decrease from the previous number of 7.110 % for Apr 2019. Brazil Loans: Outstanding: Financial System: Arrears: 15-90 Days: Non Financial Corporations: Nonearmarked: Non Financial Corporations: Overdraft data is updated monthly, averaging 6.830 % from Mar 2011 (Median) to May 2019, with 99 observations. The data reached an all-time high of 8.850 % in Mar 2011 and a record low of 4.300 % in Oct 2013. Brazil Loans: Outstanding: Financial System: Arrears: 15-90 Days: Non Financial Corporations: Nonearmarked: Non Financial Corporations: Overdraft data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Monetary – Table BR.KAB004: Loans: Outstanding: Financial System: Arrears from 15 to 90 Days: by Modality. Brazilian Central Bank has made changes in methodology of Financial System Credit Data in February of 2013 after 13 years following the same methodology. These changes are necessary face the expansion of credit, favored by the improvement of the indicators of employment and income, continuous and sharp reduction of the interest rates and by important institutional advances. It is essential the availability of new information, in particular, which allows more detailed monitoring of credit arrangements with targeted resources, especially real estate financing, whose dynamism has contributed to reducing the housing deficit in the country. The main change includes coverage of data on concessions, interest rates, terms and default rates that were extended to the segment of directed credit and also became necessary to further detailing the statistical framework, to enable identification of the terms most relevant as well as reduce the relative share of loans not classified - embedded in 'other receivables'. Banco Central do Brasil fez mudanças na metodologia de Dados de Crédito do Sistema Financeiro, em fevereiro de 2013 depois de 13 anos seguindo a mesma metodologia. Essas mudanças são fundamentais face a expansão do crédito, favorecido pela melhora dos indicadores de emprego e renda, redução contínua e acentuada das taxas de juro e por importantes avanços institucionais. É imprescindível a disponibilidade de novas informações, em particular, que possibilitem o acompanhamento mais detalhado das modalidades de crédito com recursos direcionados, sobretudo os financiamentos imobiliários, cujo dinamismo tem contribuído para a redução do déficit habitacional no País. A principal alteração compreende a cobertura dos dados relativos a concessões, taxas de juros, prazos e índices de inadimplência que passam a serem estendidos ao segmento de crédito direcionado e também se fez necessário aprofundar o detalhamento do arcabouço estatístico, de modo a possibilitar a identificação das modalidades mais relevantes, bem como reduzir a participação relativa das operações de crédito não classificadas – incorporadas em “outros créditos”.