A more recent publication of this set of statistics is available.

Latest publication: Financial accounts 2019, 4th quarter

Published: 31 March 2016

Households’ net financial assets increased in the fourth quarter of 2015

Households’ financial assets grew by EUR 7.7 billion during the last quarter of 2015 amounting to EUR 275.1 billion. In turn, households' debts increased by EUR 0.7 billion to EUR 147.4 billion. As a result of these changes, households' net financial assets increased by EUR 7.0 billion to EUR 127.7 billion. Net financial assets refer to the difference between financial assets and liabilities. These data derive from Statistics Finland’s financial accounts statistics.

Households’ financial assets

Households’ financial assets

During the fourth quarter of 2015, households increased their net investments in financial assets by EUR 2.1 billion. Households' investments increased particularly in deposits that grew by EUR one billion. Investments in quoted shares, in turn, decreased by around EUR 0.3 billion. Even though households' net investments in financial assets increased, holding gains, in particular, helped raise the total level of financial assets. As stock market prices rose, the holding gains from quoted shares and mutual fund shares amounted to EUR 4.3 billion.

Households’ loan debts grew by EUR 1.0 billion during the fourth quarter of 2015 amounting to EUR 137.7 billion. This boosted households' indebtedness by 0.4 percentage points from the previous quarter to 124.9 per cent. Households' indebtedness ratio is calculated as the ratio of their loan debts at the end of a quarter to their total disposable income during the preceding four quarters.

Non-financial corporations’ debt financing declined by EUR 1.5 billion during the fourth quarter of 2015 falling to EUR 217.6 billion. Non-financial corporations’ financing in the form of debt securities decreased by EUR 1.9 billion to EUR 27.9 billion while non-financial corporations' loan debts grew by EUR 0.4 billion to EUR 189.7 billion. Debt financing refers to the total of loan debts and financing in the form of debt securities. The growth in non-financial corporations' deposits that has continued for a few years boosted their level to EUR 43.4 billion. From the second quarter of 2014, non-financial corporations' deposits have grown by 74 per cent.


Source: Financial accounts, Statistics Finland

Inquiries: Peter Parkkonen 029 551 2571, Henna Laasonen 029 551 3303, rahoitus.tilinpito@stat.fi

Director in charge: Ville Vertanen

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Updated 31.3.2016

Referencing instructions:

Official Statistics of Finland (OSF): Financial accounts [e-publication].
ISSN=1458-8145. 4th quarter 2015. Helsinki: Statistics Finland [referred: 31.5.2020].
Access method: http://www.stat.fi/til/rtp/2015/04/rtp_2015_04_2016-03-31_tie_001_en.html