UK Repayment Pressure Index for Portfolio Monitoring, EWS and IFRS 9 Commentary

UK repayment pressure benchmark built from aggregated behavioural signals. Designed for Risk MI, Portfolio Monitoring, and Collections planning.

Consumer Credit Index (CCI) is a market-level behavioural benchmark derived from aggregated, anonymised first-party repayment indicators. It provides an external overlay that helps distinguish broad consumer repayment pressure from book-specific portfolio effects.

What we track (leading indicators)

CCI summarises directional changes in repayment behaviour, including:

• Minimum payment pressure: proximity to minimum-payment behaviour
• Intent vs ability gap: intent to reduce balances vs implied payoff horizon
• Repayment strain: repayment headroom and time-to-paydown profile
• Revolving balance strain: pressure concentration in higher balance cohorts
• Relief-seeking behaviour: balance-transfer intent, consolidation intent, APR sensitivity

This public view is based on aggregated UK behavioural observations and is provided as a reference extract.

Licensed access includes the full indicator series, archive, and reuse rights. Real-time API access is available under licence.

Contents

1. Coverage & definitions
2. Consumer Credit Index (July to October 2025)
3. Key signals
4. Balances & concentration
5. Payoff intent (pressure mapping)
6. Payment behaviour & stress gap
7. Evidence base & official benchmarks
8. Notes & limitations
9. Methodology
10. Licence & reuse