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Published: 30 September 2016

Households’ net financial assets increased in the second quarter of 2016

Households’ financial assets grew by EUR 3.7 billion during the second quarter of 2016 amounting to EUR 282.0 billion. In turn, households’ debts increased by EUR 1.6 billion during the second quarter of 2016 rising to EUR 149.5 billion. As a result of these changes, households' net financial assets increased by EUR 2.2 billion to EUR 132.5 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

A majority of the total increase in households’ financial assets, EUR two billion, is explained by holding gains received by households from shares and other investments.

Households' net investments increased by EUR 1.8 billion during the second quarter of 2016. More funds flowed especially to deposits, altogether EUR 2.4 billion. Measured in net, slightly more funds were also invested in equity funds. Net investments in debt securities and quoted shares decreased.

Households’ loan debts increased by EUR 1.4 billion during the second quarter of 2016 rising to EUR 139.6 billion. Households' indebtedness ratio increased by 1.2 percentage points from the previous quarter to 125.6 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 5.5 billion during the second quarter of 2016 falling to EUR 221.5 billion. Debts in the form of debt securities remained unchanged at EUR 33.0 billion, so the entire change was caused by a decrease in loan debts. The new level of loan debts is EUR 188.5 billion. Debt financing refers to the total of loan debts and financing in the form of debt securities.

Source: Financial accounts, Statistics Finland

Inquiries: Peter Parkkonen 029 551 2571, Henna Laasonen 029 551 3303,

Director in charge: Ville Vertanen

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Updated 30.9.2016

Referencing instructions:

Official Statistics of Finland (OSF): Financial accounts [e-publication].
ISSN=1458-8145. 2nd quarter 2016. Helsinki: Statistics Finland [referred: 27.2.2024].
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