---
title: "Total credit by sector"
method: GET
path: "/api/v1/bis/credit"
tags: ["Central Banks & Monetary"]
---

# Total credit by sector

`GET /api/v1/bis/credit`

Credit to private non-financial sector, households, government - 48 countries.

## Query parameters

- `country` string — 2-letter country code
- `last_n` integer — Return last N observations per series.

## Response `200`

Total credit observations by sector (private non-financial, households, government).

- EnvelopeListBisCreditDatum
  - `data` BisCreditDatum[], required
    - `FREQ` string, required — SDMX frequency code.
    - `FREQ_name` string, required — SDMX frequency human-readable label.
    - `BORROWERS_CTY` string, required — BIS borrower country code.
    - `BORROWERS_CTY_name` string, required — BIS borrower country human-readable label.
    - `TC_BORROWERS` string, required
    - `TC_BORROWERS_name` string, required
    - `TC_LENDERS` string, required
    - `TC_LENDERS_name` string, required
    - `VALUATION` string, required
    - `VALUATION_name` string, required
    - `UNIT_TYPE` string, required
    - `UNIT_TYPE_name` string, required
    - `TC_ADJUST` string, required
    - `TC_ADJUST_name` string, required
    - `TIME_PERIOD` string, required — SDMX time period (YYYY, YYYY-MM, YYYY-Q#).
    - `value` number, required — Numeric or string value.
  - `meta` SugraMeta, required — Metadata attached to every /api/v1/* response envelope.
    - `endpoint` string, required — Requested endpoint path.
    - `data_time` string, required — ISO 8601 UTC timestamp of the source data, not of the request.
    - `response_time` string, required — ISO 8601 UTC timestamp when this response was produced.
    - `provider` string, required — API name and version.
    - `source` string, nullable — Identifier of the primary upstream source used for this response.
    - `attribution` string, nullable — Human-readable attribution mandated by an upstream source (e.g. a securities regulator or self-regulatory organization). Present only on responses whose source requires the owner and source to be clearly identified. Do not remove or alter it when using the response.
    - `fallback_used` boolean, nullable — True when the primary source failed and a fallback produced the data.
    - `fallback_chain` string[], nullable — Ordered list of sources attempted, in the order they were tried.
    - `cached` boolean, nullable — True when this response was served from the internal cache.
    - `stale` boolean, nullable — True when the cached response was returned after the upstream rate-limited or errored. Clients can use this to detect degraded data.

## Other responses

- `401` — Missing or invalid `x-api-key` header. JSON body with a stable `code` distinguishing `missing_api_key` (no header sent) from `invalid_api_key` (header sent, key not accepted); any other 401 source carries the generic `unauthorized` with its detail as `reason`. Plus `hint`. `plan` is always null on 401 - an unauthenticated request has no plan; quota exhaustion is 429, not 401.
- `422` — Validation Error
- `429` — Daily rate limit exceeded. Check `X-RateLimit-Reset` for the next window.
- `503` — Upstream source is temporarily unavailable. Retry after a short delay.

---

[API](https://skmtc.net/sugra/apis/sugra-api.md) · [All operations](https://skmtc.net/sugra/apis/sugra-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/sugra/sugra-api/versions/4c4530760ba1/schema)