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Published: 22 December 2016

Growth of households’ net financial assets continued in the third quarter of 2016

Households’ financial assets grew by EUR 5.2 billion during the third quarter of 2016 amounting to EUR 288.3 billion. In turn, households’ debts increased by EUR 1.6 billion during the third quarter of 2016 rising to EUR 151.7 billion. As a result of these changes, households' net financial assets increased by EUR 3.6 billion to EUR 136.6 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

Households withdrew their investments from financial assets during the quarter more than they made new investments. Investments decreased by EUR 0.3 billion on net. Investments in shares and debt securities decreased similarly as during the previous quarter. In contrast, new investments flowed to funds on net as well.

Although the investment flow remained negative, the total level of households' financial assets rose as a result of the rise in prices of financial assets held by them. Holding gains were generated in particular from shares and mutual fund shares.

Households’ loan debts grew by EUR 1.7 billion during the third quarter of 2016 rising to EUR 141.8 billion. The indebtedness ratio rose by 0.9 percentage points from the previous quarter to 126.9 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.

During the quarter, non-financial corporations’ debt financing grew by EUR 0.6 billion, although the new level of EUR 222.3 billion is still lower than one year ago due to the drop in the previous quarter. Non-financial corporations’ loan debts grew by EUR 1.3 billion to EUR 189.8 billion at the same time as their financing in the form of debt securities decreased by EUR 0.7 billion to EUR 32.5 billion. Debt financing refers to the total of loan debts and financing in the form of debt securities.

Source: Financial accounts, Statistics Finland

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

Director in charge: Ville Vertanen

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Updated 22.12.2016

Referencing instructions:

Official Statistics of Finland (OSF): Financial accounts [e-publication].
ISSN=1458-8145. 3rd quarter 2016. Helsinki: Statistics Finland [referred: 27.2.2024].
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