The drop from 1st to 2nd quarter 2014 and 1st to 2nd quarter 2015 are due to a change in the number of business in the sector for non-bank consumer credit companies. Had the number of business been unchanged, the changes in consumer credit in the two periods would have been -0.1 pct. and 0.8 pct., respectively. The non-bank consumer credit in the shape of blank credits as well as credit card lending has been affected by the change.