2016  2017  % Change  2016  2017  % Change  Total RoI Mortgage Lending  €  €  30%  29,893  35,472  19%  PDH - in scope FTB Lending SSB Lending  € € €  € € €  32% 39% 25%  26,159 13,974 12,185  31,618 17,453 14,165  21% 25% 16%  BTL Lending  €  €  14%  1,408  1,517  8%  Exempt from Regulations Switcher Negative Equity Other  € € € €  € € € €  14% 23% -12% -6%  2,326 1,459 600 267  2,337 1,713 411 213  0% 17% -32% -20%  12  Source Internal Central Bank reports.
Measures of financial exclusion Whatever measure one may use for India, it is apparent that the financially excluded constitute a significant share of the population especially amongst the low income groups. Based on the AIDIS 2002 survey, RC showed that 111.5 million households had no access to formal credit. It also showed that 17 million households were indebted to moneylenders.