kreditantal
Kreditantal is a term used in financial risk assessment to denote the total number of active credit facilities associated with a borrower or counterparty, such as loans, lines of credit, and guarantees. It is distinct from credit exposure, which measures monetary value, and from utilization metrics, which focus on drawn amounts. The term appears to be a compound of kredit (credit) and antal (count) in several European languages, suggesting a meaning along the lines of “credit count.”
Scope and inclusions vary by institution, but kreditantal typically covers active accounts with an outstanding balance
Calculation and data sources rely on core banking systems, loan management platforms, and, in some cases, credit
Applications and limitations: Kreditantal supports concentration risk assessment, product penetration analysis, and portfolio monitoring. However, it