National Credit Regulator

User Guide > Banking Sector Data > National Credit Regulator

This page outlines what South African National Credit Regulator data series we make available through EconData. Below, we outline hierarchies present in the data, in order to help you understand the dataset. We also give detail below about the codes used in the series keys, to facilitate programmatic analysis.

Definition

The National Credit Regulator (NCR) is the South African regulatory body responsible for enforcing the National Credit Act (NCA).

Websites

https://www.ncr.org.za/

Dimensions

The NCR produces the Credit Bureau Monitor (CBM) and the Consumer Credit Market Report (CCMR). Each quarterly report provides a number of tables.

The series key is made up of two dimensions:

  1. The first dimension is the TABLE_KEY, which aligns with the table in the respective NCR report
  2. The second dimension is the MNEMONIC, which aligns with the individual line item within each table

Attributes

  • Source Dataset
  • Unit of Measure
  • Label
  • Unit Multiplier
  • Frequency

Credit Bureau Monitor (CBM)

Dataset ID: NCR_CBM

The tables in the CBM are as follows:

Table No.Table KeyTable TitleUnit MeasureUnit Multiplier
1CSCCredit Standing of consumersCountMillions
2CSACredit standing of accountsCountMillions
3ENQEnquiriesCountMillions
4ENSAll enquiries – distribution according to sectorsCountMillions
5ENBEnquiries by banks and other financial institutionsCountMillions
6ENREnquiries by retailersCountMillions
7ENTEnquiries by telecommunication providersCountMillions
8CRICredit reports issuedCountUnits
9DISDisputesCountUnits

The available series and their corresponding mnemonics are:

Table 1 CSC.---

  1. Good standing (#) GST
  2. Current (#) CUR
  3. Impaired records (#) IMR
  4. 1-2 months in arrears (#) MOA
  5. 3+ months in arrears (#) MNA
  6. Adverse listings (#) ADL
  7. Judgments and administration orders (#) JAO
  8. Credit-active consumers (#) CAC

Table 2 CSA.---

  1. Good standing (#) GST
  2. Current (#) CUR
  3. Impaired records (#) IMR
  4. 1-2 months in arrears (#) MOA
  5. 3+ months in arrears (#) MNA
  6. Adverse listings (#) ADL
  7. Judgments and administration orders (#) JAO
  8. Consumer accounts (#) COA

Table 3 ENQ.---

  1. Enquiries due to consumers seeking credit ENS
  2. Enquiries related to  telecommunication services ETS
  3. Enquiries for tracing / debt collection purposes END
  4. All other enquiries AOQ –>

Table 4 ENS.---

  1. Banks and other financial institutions BOF
  2. Retailers RET
  3. Telecommunication providers TCP
  4. Debt collection agencies DCA
  5. All other entities AOE
  6. Total TOT

Table 5 ENB.---

  1. Enquiries due to consumers seeking credit ENS
  2. Enquiries done for tracing / debt collection purposes END
  3. Enquiries done for other purposes ENO
  4. Enquiries by banks and other financial institutions ENB

Table 6 ENR.---

  1. Enquiries due to consumers seeking credit ENS
  2. Enquiries done for tracing / debt collection purposes END
  3. Enquiries done for other purposes ENO
  4. Enquiries by retailers ENR

Table 7 ENT.---

  1. Enquiries related to telecommunication services ETS
  2. Enquiries done for tracing / debt collection purposes END
  3. Enquiries done for other purposes ENO
  4. Enquiries by telecommunication providers ENT

Table 8 CRI.---

  1. Without charge WOC
  2. With charge WCH
  3. Total issued TTI

Table 9 DIS.---

  1. Disputes lodged DIL
  2. Disputes resolved in favour of complainants DRC
  3. Disputes resolved where credit record remained unchanged DRU

Consumer Credit Market Report (CCMR)

Dataset ID: NCR_CCMR

The tables found in the CCMR are as follows:

Table No.Table KeyTable TitleUnit Measure
1CFGNCredit facilities granted (number of agreements)Count
2CFGRCredit facilities granted (rand values)Rand
3CFINCredit facilities granted per income category (number)Count
4CFIRCredit facilities granted per income category (rand value)Rand
5CGCACredit granted per credit type (accounts)Count
6CGCRCredit granted per credit type (rand value)Rand
7CGINCredit granted per industry (number of accounts)Count
8CGIRCredit granted per industry (rand value)Rand
9CGRNCredit granted (number)Count
10CGRRCredit granted (rand value)Rand
11DCSNDevelopmental credit granted by size of agreement (numbers)Count
12DCSRDevelopmental credit granted by size of agreement (rand values)Rand
13DCTNDevelopmental credit granted by term of agreement (numbers)Count
14DCTRDevelopmental credit granted by term of agreement (rand values)Rand
15DECNDevelopmental by classification (numbers)Count
16DECRDevelopmental by classification (rand values)Rand
17MGINMortgages granted per income category (number)Count
18MGIRMortgages granted per income category (rand value)Rand
19MGSNMortgages granted – number of agreements by sizeCount
20MGSRMortgages granted – size of agreements (rand value)Rand
21NAPNNumber of applications received and rejectedCount
22PDTRProvincial distribution – total credit granted (rand value)Rand
23SCINSecured credit granted per income category (number)Count
24SCIRSecured credit granted per income category (rand value)Rand
25SCSNSecured credit granted – by size of agreements (number)Count
26SCSRSecured credit granted – by size of agreements (rand value)Rand
27SCTNSecured credit granted – type of security (number)Count
28SCTRSecured credit granted – type of security (rand value)Rand
29STIRShort-term credit granted per income category (rand value)Rand
30STSNShort-term credit granted by size of agreement (numbers)Count
31STSRShort-term credit granted by size of agreement (rand values)Rand
32STTNShort-term credit granted by term of agreement (numbers)Count
33STTRShort-term credit granted by term of agreement (rand values)Rand
34UCINUnsecured credit granted per income category (number)Count
35UCIRUnsecured credit granted per income category (rand value)Rand
36UCSNUnsecured credit granted by size of agreement (number)Count
37UCSRUnsecured credit granted by size of agreement (rand values)Rand
38UCTNUnsecured credit granted by term of agreement (number)Count
39UCTRUnsecured credit granted by term of agreement (rand values)Rand

The available series and their corresponding mnemonics are:

Table 1 CFGN.----

  1. Agreements – Bank Overdraft AGBO
  2. Agreements – Credit and /or Garage cards AGCG
  3. Agreements – Store cards AGSC
  4. Agreements – Services AGSE
  5. Agreements – Other Facility AGOF
  6. Agreements – Grand Total AGGT

Table 2 CFGR.----

  1. Agreements – Bank Overdraft AGBO
  2. Agreements – Credit and /or Garage cards AGCG
  3. Agreements – Store cards AGSC
  4. Agreements – Services AGSE
  5. Agreements – Other Facility AGOF
  6. Agreements – Grand Total AGGT

Table 3 CFIN.----

  1. Income Category – R0-R3500 ICAA
  2. Income Category – R3501-R5500 ICAB
  3. Income Category – R5501-R7500 ICAC
  4. Income Category – R7501-R10K ICAD
  5. Income Category – R10.1K-R15K INAE
  6. Income Category – >R15K INAF
  7. Income Category – Grand Total INAT

Table 4 CFIR.----

  1. Income Category – R0-R3500 ICAA
  2. Income Category – R3501-R5500 ICAB
  3. Income Category – R5501-R7500 ICAC
  4. Income Category – R7501-R10K ICAD
  5. Income Category – R10.1K-R15K INAE
  6. Income Category – >R15K INAF
  7. Income Category – Grand Total INAT

Table 5 CGCA.----

  1. Credit type – Credit Facility CTCF
  2. Credit type – Developmental CTDV
  3. Credit type – Mortgage CTMG
  4. Credit type – Secured Credit CTSC
  5. Credit type – Short Term CTST
  6. Credit type – Un-Secured CTUS
  7. Credit type – Grand Total CTGT

Table 6 CGCR.----

  1. Credit type – Credit Facility CTCF
  2. Credit type – Developmental CTDV
  3. Credit type – Mortgage CTMG
  4. Credit type – Secured Credit CTSC
  5. Credit type – Short Term CTST
  6. Credit type – Un-Secured CTUS
  7. Credit type – Grand Total CTGT

Table 7 CGIN.----

  1. Industry – Banks INBK
  2. Industry – Non-bank vehicle financiers INNB
  3. Industry – Other credit providers INOC
  4. Industry – Retailers INRE
  5. Industry – Grand Total INGT

Table 8 CGIR.----

  1. Industry – Banks INBK
  2. Industry – Non-bank vehicle financiers INNB
  3. Industry – Other credit providers INOC
  4. Industry – Retailers INRE
  5. Industry – Grand Total INGT

Table 9 CGRN.----

  1. Item – Credit Facilities entered into ITCF
  2. Item – Credit Transactions entered into ITCT
  3. Item – Grand Total ITGT

Table 10 CGRR.----

  1. Item – Credit Facilities entered into ITCF
  2. Item – Credit Transactions entered into ITCT
  3. Item – Grand Total ITGT

Table 11 DCSN.----

  1. Agreements – R0-R1500 AGEA
  2. Agreements – R1501-R3000 AGEB
  3. Agreements – R3.01K-R5K AGEC
  4. Agreements – R5.01K-R10K AGED
  5. Agreements – R10.1K-R20K_D AGEE
  6. Agreements – > R20K AGEF
  7. Agreements – Grand Total AGGT

Table 12 DCSR.----

  1. Agreements – R0-R1500 AGEA
  2. Agreements – R1501-R3000 AGEB
  3. Agreements – R3.01K-R5K AGEC
  4. Agreements – R5.01K-R10K AGED
  5. Agreements – R10.1K-R20K_D AGEE
  6. Agreements – > R20K AGEF
  7. Agreements – Grand Total AGGT

Table 13 DCTN.----

  1. Agreements – <= 4 Months AGMJ
  2. Agreements – 5-12 Months AGMK
  3. Agreements – 12.1-24 Months AGML
  4. Agreements – 24.1-36 Months AGMM
  5. Agreements – > 36 months AGMN
  6. Agreements – Grand Total AGGT

Table 14 DCTR.----

  1. Agreements – <= 4 Months AGMJ
  2. Agreements – 5-12 Months AGMK
  3. Agreements – 12.1-24 Months AGML
  4. Agreements – 24.1-36 Months AGMM
  5. Agreements – > 36 months AGMN
  6. Agreements – Grand Total AGGT

Table 15 DECN.----

  1. Agreements – Group AGGR
  2. Agreements – Individual AGIN
  3. Agreements – Juristic AGJU
  4. Agreements – Grand Total AGGT

Table 16 DECR.----

  1. Agreements – Group AGGR
  2. Agreements – Individual AGIN
  3. Agreements – Juristic AGJU
  4. Agreements – Grand Total AGGT

Table 17 MGIN.----

  1. Income Category – R0-R3500 ICAA
  2. Income Category – R3501-R5500 ICAB
  3. Income Category – R5501-R7500 ICAC
  4. Income Category – R7501-R10K ICAD
  5. Income Category – R10.1K-R15K INAE
  6. Income Category – >R15K INAF
  7. Income Category – Grand Total INAT

Table 18 MGIR.----

  1. Income Category – R0-R3500 ICAA
  2. Income Category – R3501-R5500 ICAB
  3. Income Category – R5501-R7500 ICAC
  4. Income Category – R7501-R10K ICAD
  5. Income Category – R10.1K-R15K INAE
  6. Income Category – >R15K INAF
  7. Income Category – Grand Total INAT

Table 19 MGSN.----

  1. Agreements – R0-R50K AGAA
  2. Agreements – R51K-R100K AGAB
  3. Agreements – R101K-R150K AGAC
  4. Agreements – R151K-R350K AGAD
  5. Agreements – R351K-R700K AGAE
  6. Agreements – >=R700K AGAF
  7. Agreements – Grand Total AGGT

Table 20 MGSR.----

  1. Agreements – R0-R50K AGAA
  2. Agreements – R51K-R100K AGAB
  3. Agreements – R101K-R150K AGAC
  4. Agreements – R151K-R350K AGAD
  5. Agreements – R351K-R700K AGAE
  6. Agreements – >=R700K AGAF
  7. Agreements – Grand Total AGGT

Table 21 NAPN.----

  1. Item – Applications received ITAP
  2. Item – Applications rejected ITAR

Table 22 PDTR.----

  1. Provincial – Eastern Cape PREC
  2. Provincial – Free State PRFS
  3. Provincial – Gauteng PRGP
  4. Provincial – Kwazulu Natal PRKZ
  5. Provincial – Limpopo PRLP
  6. Provincial – Mpumalanga PRMP
  7. Provincial – Northern Cape PRNC
  8. Provincial – North West PRNW
  9. Provincial – Western Cape PRWC
  10. Provincial – Other PROT
  11. Provincial – Grand Total PRGT

Table 23 SCIN.----

  1. Income Category – R0-R3500 ICAA
  2. Income Category – R3501-R5500 ICAB
  3. Income Category – R5501-R7500 ICAC
  4. Income Category – R7501-R10K ICAD
  5. Income Category – R10.1K-R15K INAE
  6. Income Category – >R15K INAF
  7. Income Category – Grand Total INAT

Table 24 SCIR.----

  1. Income Category – R0-R3500 ICAA
  2. Income Category – R3501-R5500 ICAB
  3. Income Category – R5501-R7500 ICAC
  4. Income Category – R7501-R10K ICAD
  5. Income Category – R10.1K-R15K INAE
  6. Income Category – >R15K INAF
  7. Income Category – Grand Total INAT

Table 25 SCSN.----

  1. Agreements – <=R1500 AGBA
  2. Agreements – R1500-R3000 AGBB
  3. Agreements – R3.1K-R5K AGBC
  4. Agreements – R5.1K-R10K AGBD
  5. Agreements – R10.1K-R20K AGBE
  6. Agreements – R20.1K-R40K AGBF
  7. Agreements – R40.1K-R60K AGBG
  8. Agreements – R60.1K-R100K AGBH
  9. Agreements – R101K-R150K AGAC
  10. Agreements – R151K-R200K AGBI
  11. Agreements – R201K-R400K AGBJ
  12. Agreements – >R400K AGBK
  13. Agreements – Grand Total AGGT

Table 26 SCSR.----

  1. Agreements – <=R1500 AGBA
  2. Agreements – R1500-R3000 AGBB
  3. Agreements – R3.1K-R5K AGBC
  4. Agreements – R5.1K-R10K AGBD
  5. Agreements – R10.1K-R20K AGBE
  6. Agreements – R20.1K-R40K AGBF
  7. Agreements – R40.1K-R60K AGBG
  8. Agreements – R60.1K-R100K AGBH
  9. Agreements – R101K-R150K AGAC
  10. Agreements – R151K-R200K AGBI
  11. Agreements – R201K-R400K AGBJ
  12. Agreements – >R400K AGBK
  13. Agreements – Grand Total AGGT

Table 27 SCTN.----

  1. Agreements – Security-Retirements benefits AGSB
  2. Agreements – Security-Furniture & other durable AGSF
  3. Agreements – Security-Insurance policy AGSI
  4. Agreements – Security-Other security AGSO
  5. Agreements – Security-Vehicle AGSV
  6. Agreements – Grand Total AGGT

Table 28 SCTR.----

  1. Agreements – Security-Retirements benefits AGSB
  2. Agreements – Security-Furniture & other durable AGSF
  3. Agreements – Security-Insurance policy AGSI
  4. Agreements – Security-Other security AGSO
  5. Agreements – Security-Vehicle AGSV
  6. Agreements – Grand Total AGGT

Table 29 STIR.----

  1. Income Category – R0-R3500 ICAA
  2. Income Category – R3501-R5500 ICAB
  3. Income Category – R5501-R7500 ICAC

Table 30 STSN.----

  1. Agreements – R0-R1000 AGDA
  2. Agreements – R1001-R2000 AGDB
  3. Agreements – R2001-R3000 AGDC
  4. Agreements – R3001-R5000 AGDD
  5. Agreements – R5001-R8000 AGDE
  6. Agreements – Grand Total AGGT

Table 31 STSR.----

  1. Agreements – R0-R1000 AGDA
  2. Agreements – R1001-R2000 AGDB
  3. Agreements – R2001-R3000 AGDC
  4. Agreements – R3001-R5000 AGDD
  5. Agreements – R5001-R8000 AGDE
  6. Agreements – Grand Total AGGT

Table 32 STTN.----

  1. Agreements – Up to 1 month AGMG
  2. Agreements – 2-3 Months AGMH
  3. Agreements – 4-6 Months AGMI
  4. Agreements – Grand Total AGGT

Table 33 STTR.----

  1. Agreements – Up to 1 month AGMG
  2. Agreements – 2-3 Months AGMH
  3. Agreements – 4-6 Months AGMI
  4. Agreements – Grand Total AGGT

Table 34 UCIN.----

  1. Income Category – R0-R3500 ICAA
  2. Income Category – R3501-R5500 ICAB
  3. Income Category – R5501-R7500 ICAC
  4. Income Category – R7501-R10K ICAD
  5. Income Category – R10.1K-R15K INAE
  6. Income Category – >R15K INAF
  7. Income Category – Grand Total INAT

Table 35 UCIR.----

  1. Income Category – R0-R3500 ICAA
  2. Income Category – R3501-R5500 ICAB
  3. Income Category – R5501-R7500 ICAC
  4. Income Category – R7501-R10K ICAD
  5. Income Category – R10.1K-R15K INAE
  6. Income Category – >R15K INAF
  7. Income Category – Grand Total INAT

Table 36 UCSN.----

  1. Agreements – R0K-R3K AGCA
  2. Agreements – R3.1K-R5K_U AGCB
  3. Agreements – R5.1K-R8K AGCC
  4. Agreements – R8.1K-R10K AGCD
  5. Agreements – R10.1K-R15K AGCE
  6. Agreements – > R15.1K AGCF
  7. Agreements – Grand Total AGGT

Table 37 UCSR.----

  1. Agreements – R0K-R3K AGCA
  2. Agreements – R3.1K-R5K_U AGCB
  3. Agreements – R5.1K-R8K AGCC
  4. Agreements – R8.1K-R10K AGCD
  5. Agreements – R10.1K-R15K AGCE
  6. Agreements – > R15.1K AGCF
  7. Agreements – Grand Total AGGT

Table 38 UCTN.----

  1. Agreements – <= 6 Months AGMA
  2. Agreements – 7-12 Months AGMB
  3. Agreements – 13-18 Months AGMC
  4. Agreements – 19-24 Months AGMD
  5. Agreements – 25-36 Months AGME
  6. Agreements – 3.1-5 Years AGYA
  7. Agreements – 5.1-10+ Years AGYB
  8. Agreements – Grand Total AGGT

Table 39 UCTR.----

  1. Agreements – <= 6 Months AGMA
  2. Agreements – 7-12 Months AGMB
  3. Agreements – 13-18 Months AGMC
  4. Agreements – 19-24 Months AGMD
  5. Agreements – 25-36 Months AGME
  6. Agreements – 3.1-5 Years AGYA
  7. Agreements – 5.1-10+ Years AGYB
  8. Agreements – Grand Total AGGT

Banking Sector Categories

Basel Regulatory Reporting

National Credit Regulator