DATA - Economic sector breakdown of households

Economic sector breakdown of households
Financial instruments	2023	2024	2025	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25

	EUR million



Stocks
Monetary gold and Special Drawing Rights	0	0	0	0	0	0	0	0	0
Currency	21,821	19,452	20,100	19,359	19,452	19,453	19,860	19,722	20,100
Transferable Deposits	187,815	196,545	206,053	187,287	196,545	193,332	202,879	200,139	206,053
Deposits	115,326	125,549	125,810	123,650	125,549	125,202	122,391	122,513	125,810
Short-term loans	1,794	1,784	2,074	1,681	1,784	1,758	1,942	1,853	2,074
Long-term loans	252	216	278	206	216	217	247	234	278
Trade credits	21	24	26	22	24	31	30	23	26
Short-term debt securities	605	2,789	4,941	1,958	2,789	3,342	3,829	3,907	4,941
Long-term debt securities	27,694	32,599	36,786	31,725	32,599	33,721	34,544	35,949	36,786
Listed shares	42,159	45,414	55,477	45,118	45,414	46,932	49,321	52,685	55,477
Unlisted shares	5,185	5,857	4,973	5,490	5,857	6,047	5,411	5,205	4,973
Mutual fund shares	89,755	101,969	114,315	99,374	101,969	101,413	104,458	109,891	114,315
Other Equity	216,292	216,350	221,441	216,780	216,350	218,261	219,194	220,842	221,441
Life insurance reserves	64,291	64,976	63,430	65,003	64,976	63,423	63,253	63,227	63,430
Non-life insurance technical reserves	4,073	4,593	4,916	4,780	4,593	4,927	4,944	4,780	4,916
Pension entitlements	47,320	49,856	50,902	49,309	49,856	49,499	49,453	50,305	50,902
Entitlements to non-pension benefits	18,650	21,143	23,416	20,633	21,143	21,488	22,023	22,942	23,416
Other accounts receivable	13,817	15,444	15,304	15,371	15,444	15,680	15,609	15,682	15,304
Financial assets, total	856,870	904,560	950,242	887,746	904,560	904,726	919,388	929,899	950,242
Net financial assets	641,378	690,265	734,068	673,872	690,265	691,394	705,501	714,728	734,068

Flows
Monetary gold and Special Drawing Rights	0	0	0	0	0	0	0	0	0
Currency	−1,660	−2,369	571	−157	93	−76	407	−137	377
Transferable Deposits	−21,615	9,020	9,848	−183	9,283	−3,109	9,621	−2,694	6,030
Deposits	25,279	10,183	820	876	1,738	81	−2,758	144	3,353
Short-term loans	−571	−10	289	−291	102	−26	184	−89	220
Long-term loans	−34	−37	62	−56	9	1	30	−13	44
Trade credits	−8	3	1	2	2	6	0	−7	2
Short-term debt securities	197	2,272	2,147	494	860	551	488	66	1,042
Long-term debt securities	6,463	4,027	3,619	937	719	1,174	684	1,095	666
Listed shares	718	−101	256	87	−473	353	391	−29	−459
Unlisted shares	−172	100	−239	65	−34	20	14	23	−296
Mutual fund shares	2,294	3,709	7,647	999	1,084	2,314	1,938	1,552	1,843
Other Equity	104	−289	1,354	−30	−759	751	346	661	−404
Life insurance reserves	−2,275	−796	−673	−107	7	−427	−354	288	−180
Non-life insurance technical reserves	−5	575	−55	179	8	371	−16	−161	−249
Pension entitlements	265	362	305	85	91	73	86	77	69
Entitlements to non-pension benefits	1,403	1,626	1,841	413	422	441	457	468	475
Other accounts receivable	672	1,618	−157	1,113	73	233	−70	67	−387
Financial investment, total	11,055	29,893	27,636	4,426	13,225	2,731	11,448	1,311	12,146
Net lending/Net borrowing	14,061	30,376	24,970	4,504	12,607	3,253	10,884	−124	10,957


Liabilities

Stocks
Short-term loans	6,820	6,559	6,662	6,846	6,559	6,834	6,871	7,003	6,662
Short-term housing loans	505	322	266	251	247	266	276	292	317
Short-term consumption loans	3,226	3,389	3,617	3,655	3,408	3,617	3,659	3,711	3,372
Short-term other loans	3,089	3,040	2,951	2,940	2,904	2,951	2,936	3,001	2,973
Long-term loans	204,327	202,958	204,296	203,249	202,958	202,210	202,677	203,877	204,296
Long-term housing loans	157,128	155,621	154,677	155,462	155,583	154,677	154,960	155,934	156,699
Long-term consumption loans	13,668	13,776	14,195	14,101	14,067	14,195	14,331	14,515	14,446
Long-term other loans	33,530	33,559	33,338	33,686	33,308	33,338	33,387	33,428	33,152
Trade credits	120	143	198	126	143	211	205	191	198
Other accounts receivable	4,225	4,635	5,018	3,652	4,635	4,077	4,134	4,100	5,018
Financial liabilities, total	215,492	214,295	216,174	213,873	214,295	213,332	213,887	215,171	216,174
Net financial assets	641,378	690,265	734,068	673,872	690,265	691,394	705,501	714,728	734,068

Flows
Short-term loans	−715	−32	270	183	−171	299	72	164	−265
Short-term housing loans	−477	−486	−393	−34	4	16	11	5	24
Short-term consumption loans	−94	206	394	197	−189	211	67	72	−333
Short-term other loans	−144	−197	−113	20	14	71	−5	87	43
Long-term loans	−2,462	−891	1,968	277	−211	−330	443	1,322	533
Long-term housing loans	−2,380	−2,502	−3,185	0	69	−440	194	984	723
Long-term consumption loans	163	300	734	194	−3	171	198	269	10
Long-term other loans	−246	109	11	83	−277	−61	50	69	−201
Trade credits	−2	24	54	−17	17	68	−7	−14	7
Other accounts receivable	172	416	375	−521	983	−558	56	−37	914
Financing, total	−3,007	−483	2,667	−78	618	−521	564	1,435	1,189
Net lending/Net borrowing	14,061	30,376	24,970	4,504	12,607	3,253	10,884	−124	10,957



Key indicators
Financial investment as a share of GDP	2.3	6.1	5.4	4.8	6.1	5.8	6.3	5.7	5.4
Financing as a share of GDP	−0.6	−0.1	0.5	−0.4	−0.1	0.0	0.1	0.4	0.5
Net lending/borrowing as a share of GDP	2.9	6.1	4.9	5.2	6.1	5.8	6.2	5.2	4.9
Financial assets as a share of GDP	179.3	183.1	185.3	181.7	183.1	181.7	182.9	183.0	185.3
Financial liabilities as a share of GDP	45.1	43.4	42.2	43.8	43.4	42.8	42.6	42.4	42.2
Net financial assets as a share of GDP	134.2	139.7	143.1	137.9	139.7	138.8	140.4	140.7	143.1

Source: OeNB.