DATA - Economic sector breakdown of households

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

	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	21,909	21,868	19,788	19,570	19,488	19,872
Transferable Deposits	209,586	187,815	196,548	192,285	187,815	185,200	187,597	187,287	196,548
Deposits	90,063	115,320	125,219	105,996	115,320	121,585	122,774	123,650	125,219
Short-term loans	2,365	1,794	1,784	1,943	1,794	1,636	1,972	1,681	1,784
Long-term loans	286	252	216	248	252	264	262	206	216
Trade credits	29	21	26	9	21	19	22	24	26
Short-term debt securities	474	605	2,654	625	605	604	1,437	1,902	2,654
Long-term debt securities	20,374	27,716	32,572	25,461	27,716	28,884	30,261	31,712	32,572
Listed shares	36,968	42,159	45,417	40,308	42,159	44,176	44,950	45,120	45,417
Unlisted shares	4,842	5,137	5,731	5,076	5,137	5,081	5,130	5,396	5,731
Mutual fund shares	81,872	89,785	101,983	85,755	89,785	94,536	96,703	99,374	101,983
Other Equity	193,673	193,475	194,251	193,584	193,475	194,090	194,751	194,394	194,251
Life insurance reserves	63,328	64,338	64,943	60,588	64,338	64,793	63,570	64,971	64,943
Non-life insurance technical reserves	3,860	4,073	4,545	4,011	4,073	4,420	4,461	4,728	4,545
Pension entitlements	45,306	46,647	49,124	45,557	46,647	47,462	47,901	48,988	49,124
Entitlements to non-pension benefits	16,574	18,650	20,633	17,843	18,650	19,303	19,799	20,633	20,633
Other accounts receivable	13,253	13,820	14,995	13,295	13,820	13,297	13,887	14,820	14,995
Financial assets, total	806,369	833,475	880,513	814,493	833,475	845,138	855,047	864,374	880,513
Net financial assets	588,066	618,054	666,499	598,218	618,054	631,135	641,474	650,724	666,499

Flows
Monetary gold and Special Drawing Rights	0	0	0	0	0	0	0	0	0
Currency	−208	−1,661	−1,949	−284	−41	−2,032	−218	−83	384
Transferable Deposits	6,157	−21,615	9,023	−7,971	−4,402	−2,465	2,385	−183	9,286
Deposits	−1,435	25,274	9,854	5,832	9,299	6,406	1,148	893	1,407
Short-term loans	−580	−571	−10	27	−149	−158	337	−291	102
Long-term loans	129	−34	−37	−16	4	12	−2	−56	9
Trade credits	0	−8	5	−3	12	−2	3	2	2
Short-term debt securities	−27	197	2,171	7	5	17	896	557	701
Long-term debt securities	2,263	6,462	4,128	1,158	1,444	1,010	1,366	874	878
Listed shares	1,776	718	−101	189	−266	212	73	87	−473
Unlisted shares	741	18	125	36	33	40	42	71	−28
Mutual fund shares	5,969	2,161	3,710	216	119	784	842	999	1,085
Other Equity	364	−232	212	263	−442	139	369	−26	−270
Life insurance reserves	−1,605	−2,131	−856	−136	−470	−450	−234	−107	−65
Non-life insurance technical reserves	−253	−209	572	−359	27	329	59	171	13
Pension entitlements	323	368	576	78	174	114	155	147	160
Entitlements to non-pension benefits	1,336	1,284	1,468	307	344	375	368	363	362
Other accounts receivable	−646	668	1,176	727	539	−525	590	930	181
Financial investment, total	14,304	10,689	30,067	71	6,230	3,806	8,179	4,348	13,734
Net lending/Net borrowing	7,934	13,778	30,758	854	7,256	4,744	8,596	4,250	13,168


Liabilities

Stocks
Short-term loans	7,639	6,820	6,559	7,120	6,820	6,751	6,738	6,846	6,559
Short-term housing loans	1,027	543	322	607	543	322	302	251	247
Short-term consumption loans	3,459	3,233	3,389	3,391	3,233	3,389	3,475	3,651	3,408
Short-term other loans	3,153	3,044	3,040	3,122	3,044	3,040	2,961	2,944	2,904
Long-term loans	206,467	204,065	202,554	204,790	204,065	202,694	202,616	202,911	202,554
Long-term housing loans	159,258	156,838	155,369	157,415	156,838	155,369	155,040	155,126	155,186
Long-term consumption loans	13,703	13,662	13,776	13,711	13,662	13,776	14,001	14,101	14,067
Long-term other loans	33,506	33,565	33,549	33,665	33,565	33,549	33,575	33,684	33,301
Trade credits	122	120	130	99	120	150	143	123	130
Other accounts receivable	4,075	4,416	4,772	4,265	4,416	4,408	4,077	3,769	4,772
Financial liabilities, total	218,303	215,421	214,015	216,274	215,421	214,003	213,574	213,649	214,015
Net financial assets	588,066	618,054	666,499	598,218	618,054	631,135	641,474	650,724	666,499

Flows
Short-term loans	−538	−725	−31	−105	−283	−62	18	183	−170
Short-term housing loans	−533	−440	−449	−81	−59	−184	−18	−34	4
Short-term consumption loans	135	−88	212	54	−141	170	98	193	−189
Short-term other loans	−140	−197	−250	−78	−83	−48	−62	24	15
Long-term loans	6,790	−2,731	−1,032	−289	−931	−901	−99	243	−275
Long-term housing loans	5,921	−2,677	−2,797	−495	−837	−1,136	−418	−40	5
Long-term consumption loans	197	157	293	57	−14	120	202	194	−3
Long-term other loans	672	−211	144	150	−80	114	117	89	−277
Trade credits	3	−2	11	−50	21	30	−6	−21	8
Other accounts receivable	116	369	360	−338	167	−5	−330	−308	1,003
Financing, total	6,371	−3,089	−692	−782	−1,026	−938	−417	97	566
Net lending/Net borrowing	7,934	13,778	30,758	854	7,256	4,744	8,596	4,250	13,168



Key indicators
Financial investment as a share of GDP	3.2	2.3	6.2	1.7	2.3	3.4	3.8	4.7	6.2
Financing as a share of GDP	1.4	−0.7	−0.1	−0.4	−0.7	−0.5	−0.7	−0.5	−0.1
Net lending/borrowing as a share of GDP	1.8	2.9	6.4	2.0	2.9	3.9	4.5	5.2	6.4
Financial assets as a share of GDP	180.0	176.1	182.7	173.1	176.1	178.2	179.5	180.6	182.7
Financial liabilities as a share of GDP	48.7	45.5	44.4	46.0	45.5	45.1	44.8	44.6	44.4
Net financial assets as a share of GDP	131.3	130.6	138.3	127.2	130.6	133.1	134.7	135.9	138.3

Source: OeNB.