In 2022, the outstanding value of unsecured credit lines in Norway was well over two trillion Norwegian kroner. Meanwhile, repayment loans without collateral amounted to ** trillion Norwegian kroner between January and September 2023. The value of credit card loans was much lower than that of the other types of unsecured loans.

Key information about Norway Household Debt

• Norway Household Debt reached 479.5 USD bn in Jun 2025, compared with the reported number of 451.3 USD bn in the previous quarter
• Norway Household Debt: USD mn data is updated quarterly, available from Dec 1995 to Jun 2025
• The data reached an all-time high of 488.2 USD bn in Mar 2022 and a record low of 85.5 USD bn in Jun 1997

• In the latest reports, Norway Household Debt accounted for 88.3 % of the country's Nominal GDP in Jun 2025
• Money Supply M2 in Norway increased 336.4 USD bn YoY in Oct 2025
• Norway Foreign Exchange Reserves was measured at 78.4 USD bn in Oct 2025
• The Foreign Exchange Reserves equaled 8.1 Months of Import in Oct 2025
• Norway Domestic Credit reached 766.9 USD bn in Oct 2025, representing an increased of 3.7 % YoY

Denmark, the Netherlands, and Norway were among the European countries with most indebted households in 2023 and 2024. The debt of Dutch households amounted to *** percent their disposable income in the 2nd quarter of 2024. Meanwhile, Norwegian households' debt represented *** percent of their income in the 3rd quarter of 2023. However, households in most countries were less indebted, with that ratio amounting to ** percent in the Euro area. Less indebtedness in Western and Northern Europe There were several European countries where household's debts outweighed their disposable income. Most of those countries were North or West European. However, the indebtedness ratio in Denmark has been decreasing during the past decade. As the debt of Danish households represented nearly *** percent in the last quarter of 2014, which has fallen very significantly by 2024. Other countries with indebted households have been following similar trends. The households' debt-to-income ratio in the Netherlands has also fallen from over *** percent in 2013 to *** percent in 2024. Debt per adult in Europe In Europe, the value of debt per adult varies considerably from an average of around 10,000 U.S. dollars in Europe to a much higher level in certain countries such as Switzerland. Debts can be formed in a number of ways. The most common forms of debt include credit cards, medical debt, student loans, overdrafts, mortgages, automobile financing and personal loans.

Key information about Norway Household Debt: % of GDP

• Norway household debt accounted for 91.3 % of the country's Nominal GDP in Dec 2024, compared with the ratio of 90.4 % in the previous quarter.
• Norway household debt to GDP ratio is updated quarterly, available from Dec 1995 to Dec 2024.
• The data reached an all-time high of 116.3 % in Dec 2020 and a record low of 55.5 % in Mar 2001.

• In the latest reports, Norway Household Debt reached 443.2 USD bn in Sep 2024.
• Money Supply M2 in Norway increased 5.1 % YoY in Jan 2025.
• Norway Foreign Exchange Reserves was measured at 79.0 USD bn in Feb 2025.
• The Foreign Exchange Reserves equaled 10.5 Months of Import in Jan 2025.
• Norway Domestic Credit reached 667.0 USD bn in Jan 2025, representing an increased of 3.7 % YoY.
• The country's Non Performing Loans Ratio stood at 0.4 % in Dec 2022, compared with the ratio of 0.3 % in the previous year.

Gross Ext. Debt Pos., Other Sectors, Short-term, Trade credit and advances, USD in Norway was reported at 6670594059 USD in 2025, according to the World Bank collection of development indicators, compiled from officially recognized sources. Norway - Gross Ext. Debt Pos., Other Sectors, Short-term, Trade credit and advances, USD - actual values, historical data, forecasts and projections were sourced from the World Bank on November of 2025.

Europe's Collection Agencies and Credit Bureaus industry has faced numerous challenges in recent years. Lending activity has been muted as businesses have become cautious about borrowing in the face of turbulent economic conditions and rising interest rates, draining the pool of debt available for collection. Revenue is expected to grow at a compound annual rate of 2.3% over the five years through 2025 to €24.2 billion, including an estimated jump of 3.1% in 2025. In recent years, the industry has witnessed a significant transformation driven by digitalisation. Collection agencies and credit bureaux embraced digital platforms and automation tools to streamline processes, enhance data analysis efficiency and improve consumer communication. The integration of AI and alternative credit scoring models has revolutionised credit assessment practices, offering more inclusive evaluation methods and personalised debt collection strategies. Credit bureaus and debt collectors have had to navigate an increasingly complex regulatory environment, as regulators look to prevent harassment and unfair practices. If lenders fail to comply, debts may be more difficult to enforce, and debt collection agencies may face increased disputed claims, which could impact revenue growth. Credit bureaus provide financial health and risk data on companies, which is critical during mergers or acquisitions, meaning M&A activity is a significant determinant of demand. M&A levels have been highly volatile over recent years amid the changing base rate environment. Over 2025, with further rate cuts expected across Europe, M&A is set to pick up, offsetting lingering uncertainty surrounding geopolitical tensions and US tariffs, supporting profit of 23.1%. Revenue is slated to mount at a compound annual rate of 3.2% over the five years through 2030 to €28.3 billion. Looking ahead, Europe's collection agencies and credit bureaux are poised for further evolution and innovation. Expanding alternative data sources for credit assessment will provide more comprehensive credit profiles and improve risk assessment accuracy. Companies will also continue to integrate blockchain technology for secure data management, offering increased data security, fraud prevention and operational efficiencies. With these developments will come greater data scrutiny, as regulations like the General Data Protection Regulations lifting compliance costs for credit bureaus and data collection agencies.

Norway Gross External Debt: CB: ST: Trade Credit and Advances data was reported at 0.000 NOK mn in Jun 2018. This stayed constant from the previous number of 0.000 NOK mn for Mar 2018. Norway Gross External Debt: CB: ST: Trade Credit and Advances data is updated quarterly, averaging 0.000 NOK mn from Mar 2012 (Median) to Jun 2018, with 26 observations. Norway Gross External Debt: CB: ST: Trade Credit and Advances data remains active status in CEIC and is reported by Statistics Norway. The data is categorized under Global Database’s Norway – Table NO.JB004: BPM6: Gross External Debt.

Norway NO: Net External Debt: Other Sectors: Short Term: Trade Credit and Advances data was reported at 0.000 USD mn in Jun 2016. This stayed constant from the previous number of 0.000 USD mn for Mar 2016. Norway NO: Net External Debt: Other Sectors: Short Term: Trade Credit and Advances data is updated quarterly, averaging 0.000 USD mn from Dec 2015 (Median) to Jun 2016, with 3 observations. Norway NO: Net External Debt: Other Sectors: Short Term: Trade Credit and Advances data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Norway – Table NO.World Bank: QEDS: Net External Debt.

Long-Term-Debt Time Series for Sparebank 1 Ostfold Akershus. SpareBank 1 Østfold Akershus operates as a savings bank that provides various banking products and services in Norway. It offers savings in funds; savings accounts; savings for children and retirement; and stocks and investment products. The company also provides mortgage, car, moving, consumer, vehicle, green, and transferring loans, as well as refinancing of mortgage and consumer debt; financing services, including overdrafts, leasing, business loans, bank guarantees, construction loans, growth guarantee schemes, operating credit for agriculture, factoring, and invoice sales. In addition, it offers pension products; car, home, personal, pet, vehicle, travel, machinery, building, employee and personal, and farm and agricultural insurances; and property services. Further, the company provides mobile and online banking; bank card and credit card; and pay and transfer services. The company was founded in 1835 and is based in Moss, Norway.

Consumer Credit in Norway increased to 4624720 NOK Million in October from 4606836 NOK Million in September of 2025. This dataset provides the latest reported value for - Norway Consumer Credit - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Long-Term-Debt Time Series for Sparebank 1 Ringerike Hadeland. SpareBank 1 Ringerike Hadeland, a financial institution, provides various banking products and services to private and corporate customers in Norway. The company accepts various deposits, including savings, current, deposit, and currency accounts. It also provides car, consumer, vehicle, transferring, business, and construction loans, as well as mortgage and refinancing loans; financing services, such as agricultural operating credit, factoring, overdraft, and leasing; bank guarantees; car, home, personal, pet, vehicle and machinery, travel, employee, farm and agricultural, and other insurance products; pension products; and savings and investment products. In addition, the company offers debit and credit cards, as well as mobile and online banking services. Further, it provides real estate brokerage, consulting, and accounting services. SpareBank 1 Ringerike Hadeland was founded in 1833 and is headquartered in Hønefoss, Norway.

All reporting countries - Cross-border total liabilities of banks with headquaters in All countries (total) vis-a-vis residents of Norway, households and npishs (amounts outstanding / stocks, credit (loans & debt securities) in all currencies (=d+f+u), All currencies )

Total-Long-Term-Debt Time Series for Sparebank 1 SMN. SpareBank 1 SMN, together with its subsidiaries, provides various banking, accounting, and real estate products and services to private individuals and companies in Norway and internationally. The company offers checking, current, buffer, savings, deposit, business, tax withholding, investment, and group accounts; green and fixed rate deposits; mortgage, car, consumer, green, vehicle, home, construction, and business loans; debit, credit, virtual, deposit, and municipal payment cards; and pension services. It also provides car, housing, person, animal, vehicle, travel, valuable item, workshop, transport, housing association and condominium, construction, property, trade and service, team and association, agriculture and small farming, consulting and service, machine, building and value, and employee insurance products. In addition, the company offers refinancing, overdraft, leasing, factoring, agricultural operating credit, sales invoice, cash, stocks and investment, accounting, HR, tax and fee, transactional advice, IT, business, and consulting services; bank guarantees; and online and mobile banking services, as well as buys and sells properties. The company distributes its products through physical branches, customer service center, and digital channels. SpareBank 1 SMN was founded in 1823 and is headquartered in Trondheim, Norway.

In the 4th quarter of 2024, the debt of households in the United Kingdom amounted to ***** percent of their income. This indicator shows the average level of indebtedness of the general population and their ability to repay their debts. The total value of household debt (total liabilities and loans to households) has increased annually since 2000. Debt to income ratio increased during the pandemic As we have seen here, households have been decreasing their indebtedness levels in the past years. However, the volume of new consumer lending actually soared between 2022 and 2024. Meanwhile, the growth rate of mortgages in the UK has remained lower these past years, but it has also shown an increase on amount of lending.

Indebtedness in Europe The household debt of many countries in Europe as a share of their disposable income in 2024 was over 100 percent. That was mostly the case for Northern and Western European countries, such as Norway, the Netherlands, and Denmark. Germany and Austria were some of the largest exceptions, as they were among the few countries in that part of Europe with households' debt representing less than ** percent of their income.

Capital-Expenditures Time Series for Sparebank 1 Ostfold Akershus. SpareBank 1 Østfold Akershus operates as a savings bank that provides various banking products and services in Norway. It offers savings in funds; savings accounts; savings for children and retirement; and stocks and investment products. The company also provides mortgage, car, moving, consumer, vehicle, green, and transferring loans, as well as refinancing of mortgage and consumer debt; financing services, including overdrafts, leasing, business loans, bank guarantees, construction loans, growth guarantee schemes, operating credit for agriculture, factoring, and invoice sales. In addition, it offers pension products; car, home, personal, pet, vehicle, travel, machinery, building, employee and personal, and farm and agricultural insurances; and property services. Further, the company provides mobile and online banking; bank card and credit card; and pay and transfer services. The company was founded in 1835 and is based in Moss, Norway.

Total-Cashflows-From-Financing-Activities Time Series for Sparebank 1 Ostfold Akershus. SpareBank 1 Østfold Akershus operates as a savings bank that provides various banking products and services in Norway. It offers savings in funds; savings accounts; savings for children and retirement; and stocks and investment products. The company also provides mortgage, car, moving, consumer, vehicle, green, and transferring loans, as well as refinancing of mortgage and consumer debt; financing services, including overdrafts, leasing, business loans, bank guarantees, construction loans, growth guarantee schemes, operating credit for agriculture, factoring, and invoice sales. In addition, it offers pension products; car, home, personal, pet, vehicle, travel, machinery, building, employee and personal, and farm and agricultural insurances; and property services. Further, the company provides mobile and online banking; bank card and credit card; and pay and transfer services. The company was founded in 1835 and is based in Moss, Norway.

Price-To-Tangible-Book-Ratio Time Series for Sparebank 1 Ostfold Akershus. SpareBank 1 Østfold Akershus operates as a savings bank that provides various banking products and services in Norway. It offers savings in funds; savings accounts; savings for children and retirement; and stocks and investment products. The company also provides mortgage, car, moving, consumer, vehicle, green, and transferring loans, as well as refinancing of mortgage and consumer debt; financing services, including overdrafts, leasing, business loans, bank guarantees, construction loans, growth guarantee schemes, operating credit for agriculture, factoring, and invoice sales. In addition, it offers pension products; car, home, personal, pet, vehicle, travel, machinery, building, employee and personal, and farm and agricultural insurances; and property services. Further, the company provides mobile and online banking; bank card and credit card; and pay and transfer services. The company was founded in 1835 and is based in Moss, Norway.

Norway NO: Net External Debt: Deposit Taking Corporations excl Central Bank: Short Term: Trade Credit and Advances data was reported at 0.000 USD mn in Jun 2016. This stayed constant from the previous number of 0.000 USD mn for Mar 2016. Norway NO: Net External Debt: Deposit Taking Corporations excl Central Bank: Short Term: Trade Credit and Advances data is updated quarterly, averaging 0.000 USD mn from Dec 2015 (Median) to Jun 2016, with 3 observations. Norway NO: Net External Debt: Deposit Taking Corporations excl Central Bank: Short Term: Trade Credit and Advances data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Norway – Table NO.World Bank: QEDS: Net External Debt.

Other-Cashflows-From-Financing-Activities Time Series for DnB ASA. DNB Bank ASA provides financial services to individuals and businesses in Norway and internationally. The company offers savings, current, currency, client, tax withholding, and pension accounts; fixed rate and security deposits; home and cabin mortgages, construction and fixed-rate loans, car and consumer loans, business loans, and refinancing; home equity credit lines; car, house, home contents, travel, personal, and non-life insurance products; payment services; and online and mobile banking services, as well as cards. It also provides overdraft facilities; leasing services; factoring, supply chain, and receivable purchase financing services; bank guarantees; secure trading, documentary collection, and letter of credit services; investment banking services, such as mergers and acquisitions, equity and debt capital market, loans, bonds, convertible bonds, direct lending, and other private placements; and private financing and commodities, as well as equity trading, foreign exchange, research, share and stock market, securities, and risk advisory services. In addition, the company offers treasury management, working capital, trade finance, equipment financing, real estate broking, and corporate finance services. DNB Bank ASA was founded in 1822 and is headquartered in Oslo, Norway.

Accumulated-Depreciation Time Series for DnB ASA. DNB Bank ASA provides financial services to individuals and businesses in Norway and internationally. The company offers savings, current, currency, client, tax withholding, and pension accounts; fixed rate and security deposits; home and cabin mortgages, construction and fixed-rate loans, car and consumer loans, business loans, and refinancing; home equity credit lines; car, house, home contents, travel, personal, and non-life insurance products; payment services; and online and mobile banking services, as well as cards. It also provides overdraft facilities; leasing services; factoring, supply chain, and receivable purchase financing services; bank guarantees; secure trading, documentary collection, and letter of credit services; investment banking services, such as mergers and acquisitions, equity and debt capital market, loans, bonds, convertible bonds, direct lending, and other private placements; and private financing and commodities, as well as equity trading, foreign exchange, research, share and stock market, securities, and risk advisory services. In addition, the company offers treasury management, working capital, trade finance, equipment financing, real estate broking, and corporate finance services. DNB Bank ASA was founded in 1822 and is headquartered in Oslo, Norway.