DATA - Economic sector breakdown of households

Economic sector breakdown of households
Financial instruments	2022	2023	2024	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25

	EUR million



Stocks
Monetary gold and Special Drawing Rights	0	0	0	0	0	0	0	0	0
Currency	23,516	21,868	19,872	21,868	19,788	19,570	19,488	19,872	19,557
Transferable Deposits	209,586	187,815	196,548	187,815	185,200	187,597	187,287	196,548	193,331
Deposits	90,063	115,320	125,219	115,320	121,585	122,774	123,650	125,219	125,396
Short-term loans	2,365	1,794	1,784	1,794	1,636	1,972	1,681	1,784	1,758
Long-term loans	286	252	216	252	264	262	206	216	217
Trade credits	29	21	26	21	19	22	24	26	30
Short-term debt securities	474	605	2,654	605	604	1,437	1,902	2,654	2,630
Long-term debt securities	20,374	27,716	32,572	27,716	28,884	30,261	31,712	32,572	33,562
Listed shares	36,968	42,159	45,417	42,159	44,176	44,950	45,120	45,417	46,878
Unlisted shares	4,842	5,137	5,731	5,137	5,081	5,130	5,396	5,731	5,709
Mutual fund shares	81,872	89,785	101,983	89,785	94,536	96,703	99,374	101,983	101,356
Other Equity	193,673	193,475	194,251	193,475	194,090	194,751	194,394	194,251	196,183
Life insurance reserves	63,328	64,338	64,943	64,338	64,793	63,570	64,971	64,943	63,439
Non-life insurance technical reserves	3,860	4,073	4,545	4,073	4,420	4,461	4,728	4,545	4,927
Pension entitlements	45,306	46,647	49,124	46,647	47,462	47,901	48,988	49,124	49,019
Entitlements to non-pension benefits	16,574	18,650	20,633	18,650	19,303	19,799	20,633	20,633	21,539
Other accounts receivable	13,253	13,820	14,995	13,820	13,297	13,887	14,820	14,995	15,358
Financial assets, total	806,369	833,475	880,513	833,475	845,138	855,047	864,374	880,513	880,889
Net financial assets	588,066	618,054	666,499	618,054	631,135	641,474	650,724	666,499	667,647

Flows
Monetary gold and Special Drawing Rights	0	0	0	0	0	0	0	0	0
Currency	−208	−1,661	−1,949	−41	−2,032	−218	−83	384	−287
Transferable Deposits	6,157	−21,615	9,023	−4,402	−2,465	2,385	−183	9,286	−3,109
Deposits	−1,435	25,274	9,854	9,299	6,406	1,148	893	1,407	207
Short-term loans	−580	−571	−10	−149	−158	337	−291	102	−26
Long-term loans	129	−34	−37	4	12	−2	−56	9	1
Trade credits	0	−8	5	12	−2	3	2	2	4
Short-term debt securities	−27	197	2,171	5	17	896	557	701	655
Long-term debt securities	2,263	6,462	4,128	1,444	1,010	1,366	874	878	1,048
Listed shares	1,776	718	−101	−266	212	73	87	−473	295
Unlisted shares	741	18	125	33	40	42	71	−28	20
Mutual fund shares	5,969	2,161	3,710	119	784	842	999	1,085	2,238
Other Equity	364	−232	212	−442	139	369	−26	−270	743
Life insurance reserves	−1,605	−2,131	−856	−470	−450	−234	−107	−65	−424
Non-life insurance technical reserves	−253	−209	572	27	329	59	171	13	371
Pension entitlements	323	368	576	174	114	155	147	160	195
Entitlements to non-pension benefits	1,336	1,284	1,468	344	375	368	363	362	396
Other accounts receivable	−646	668	1,176	539	−525	590	930	181	283
Financial investment, total	14,304	10,689	30,067	6,230	3,806	8,179	4,348	13,734	2,610
Net lending/Net borrowing	7,934	13,778	30,758	7,256	4,744	8,596	4,250	13,168	3,269


Liabilities

Stocks
Short-term loans	7,639	6,820	6,559	6,820	6,751	6,738	6,846	6,559	6,833
Short-term housing loans	1,027	543	322	543	322	302	251	247	263
Short-term consumption loans	3,459	3,233	3,389	3,233	3,389	3,475	3,651	3,408	3,604
Short-term other loans	3,153	3,044	3,040	3,044	3,040	2,961	2,944	2,904	2,966
Long-term loans	206,467	204,065	202,554	204,065	202,694	202,616	202,911	202,554	202,024
Long-term housing loans	159,258	156,838	155,369	156,838	155,369	155,040	155,126	155,186	154,588
Long-term consumption loans	13,703	13,662	13,776	13,662	13,776	14,001	14,101	14,067	14,208
Long-term other loans	33,506	33,565	33,549	33,565	33,549	33,575	33,684	33,301	33,228
Trade credits	122	120	130	120	150	143	123	130	209
Other accounts receivable	4,075	4,416	4,772	4,416	4,408	4,077	3,769	4,772	4,177
Financial liabilities, total	218,303	215,421	214,015	215,421	214,003	213,574	213,649	214,015	213,243
Net financial assets	588,066	618,054	666,499	618,054	631,135	641,474	650,724	666,499	667,647

Flows
Short-term loans	−538	−725	−31	−283	−62	18	183	−170	298
Short-term housing loans	−533	−440	−449	−59	−184	−18	−34	4	17
Short-term consumption loans	135	−88	212	−141	170	98	193	−189	211
Short-term other loans	−140	−197	−250	−83	−48	−62	24	15	70
Long-term loans	6,790	−2,731	−1,032	−931	−901	−99	243	−275	−354
Long-term housing loans	5,921	−2,677	−2,797	−837	−1,136	−418	−40	5	−461
Long-term consumption loans	197	157	293	−14	120	202	194	−3	170
Long-term other loans	672	−211	144	−80	114	117	89	−277	−63
Trade credits	3	−2	11	21	30	−6	−21	8	69
Other accounts receivable	116	369	360	167	−5	−330	−308	1,003	−672
Financing, total	6,371	−3,089	−692	−1,026	−938	−417	97	566	−659
Net lending/Net borrowing	7,934	13,778	30,758	7,256	4,744	8,596	4,250	13,168	3,269



Key indicators
Financial investment as a share of GDP	3.2	2.3	6.2	2.3	3.4	3.8	4.7	6.2	x
Financing as a share of GDP	1.4	−0.7	−0.1	−0.7	−0.5	−0.7	−0.5	−0.1	x
Net lending/borrowing as a share of GDP	1.8	2.9	6.4	2.9	3.9	4.5	5.2	6.4	x
Financial assets as a share of GDP	180.0	176.1	182.7	176.1	178.2	179.5	180.6	182.7	x
Financial liabilities as a share of GDP	48.7	45.5	44.4	45.5	45.1	44.8	44.6	44.4	x
Net financial assets as a share of GDP	131.3	130.6	138.3	130.6	133.1	134.7	135.9	138.3	x

Source: OeNB.