DATA - Economic sector breakdown of households

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

	EUR million



Stocks
Monetary gold and Special Drawing Rights	0	0	0	0	0	0	0	0	0
Currency	23,481	21,821	19,452	19,516	19,359	19,452	19,391	19,801	19,729
Transferable Deposits	209,586	187,815	196,545	187,597	187,287	196,545	193,331	202,878	200,139
Deposits	90,064	115,326	125,549	122,790	123,650	125,549	125,602	122,852	122,637
Short-term loans	2,365	1,794	1,784	1,972	1,681	1,784	1,758	1,942	1,853
Long-term loans	286	252	216	262	206	216	217	247	234
Trade credits	29	21	24	20	22	24	30	29	22
Short-term debt securities	474	605	2,789	1,492	1,958	2,789	3,342	3,829	3,907
Long-term debt securities	20,374	27,694	32,599	30,274	31,725	32,599	33,721	34,544	35,949
Listed shares	36,968	42,159	45,417	44,950	45,121	45,417	46,935	49,324	52,692
Unlisted shares	5,180	5,189	5,858	5,230	5,490	5,858	6,042	5,407	5,201
Mutual fund shares	81,872	89,755	101,984	96,702	99,374	101,984	101,413	104,458	109,895
Other Equity	210,051	216,292	216,350	217,050	216,780	216,350	218,259	219,179	220,806
Life insurance reserves	63,309	64,291	64,976	63,600	65,003	64,976	63,435	63,267	63,244
Non-life insurance technical reserves	3,860	4,073	4,593	4,506	4,780	4,593	4,927	4,944	4,780
Pension entitlements	45,296	47,320	49,816	48,357	49,289	49,816	49,467	49,292	50,265
Entitlements to non-pension benefits	16,574	18,650	21,143	19,799	20,633	21,143	21,488	21,488	21,957
Other accounts receivable	13,151	13,828	14,881	13,821	14,789	14,881	15,056	15,114	15,033
Financial assets, total	822,920	856,885	903,976	877,938	887,147	903,976	904,414	918,595	928,343
Net financial assets	604,432	641,477	689,807	664,274	673,367	689,807	691,422	705,436	714,276

Flows
Monetary gold and Special Drawing Rights	0	0	0	0	0	0	0	0	0
Currency	−66	−1,660	−2,369	−243	−157	93	−63	410	−72
Transferable Deposits	6,157	−21,615	9,020	2,385	−183	9,283	−3,109	9,621	−2,694
Deposits	−1,434	25,279	10,183	1,163	876	1,738	83	−2,696	−193
Short-term loans	−588	−571	−10	337	−291	102	−26	184	−89
Long-term loans	129	−34	−37	−2	−56	9	1	30	−13
Trade credits	0	−8	3	3	2	2	6	−1	−8
Short-term debt securities	−27	197	2,272	901	494	860	551	488	66
Long-term debt securities	2,313	6,463	4,027	1,361	937	719	1,174	684	1,129
Listed shares	2,039	718	−101	73	87	−473	353	391	−25
Unlisted shares	741	−160	100	35	65	−34	20	14	22
Mutual fund shares	6,195	2,294	3,709	842	999	1,084	2,314	1,938	1,550
Other Equity	364	104	−289	365	−30	−759	751	346	664
Life insurance reserves	−1,624	−2,275	−796	−235	−107	7	−425	−352	291
Non-life insurance technical reserves	−253	−5	575	46	179	8	371	−16	−161
Pension entitlements	314	265	334	95	78	84	69	82	73
Entitlements to non-pension benefits	1,336	1,403	1,626	403	413	422	441	457	468
Other accounts receivable	−611	672	1,045	454	970	92	170	61	−81
Financial investment, total	14,985	11,067	29,292	7,983	4,276	13,237	2,681	11,641	927
Net lending/Net borrowing	8,603	14,157	29,815	8,328	4,138	12,647	3,437	11,465	−133


Liabilities

Stocks
Short-term loans	7,640	6,820	6,558	6,738	6,846	6,558	6,833	6,871	7,003
Short-term housing loans	1,027	505	322	302	251	247	266	276	292
Short-term consumption loans	3,459	3,226	3,389	3,475	3,655	3,408	3,617	3,659	3,711
Short-term other loans	3,154	3,089	3,040	2,961	2,940	2,903	2,950	2,935	3,000
Long-term loans	206,665	204,058	202,676	202,640	202,969	202,676	202,238	202,725	203,870
Long-term housing loans	159,455	156,860	155,341	155,055	155,181	155,304	154,707	155,010	155,930
Long-term consumption loans	13,703	13,668	13,776	14,001	14,101	14,067	14,195	14,331	14,515
Long-term other loans	33,507	33,530	33,559	33,584	33,686	33,306	33,336	33,384	33,425
Trade credits	122	120	143	144	126	143	209	203	189
Other accounts receivable	4,061	4,410	4,792	4,142	3,838	4,792	3,712	3,359	3,005
Financial liabilities, total	218,488	215,408	214,169	213,664	213,779	214,169	212,992	213,158	214,067
Net financial assets	604,432	641,477	689,807	664,274	673,367	689,807	691,422	705,436	714,276

Flows
Short-term loans	−538	−715	−32	18	183	−171	299	73	164
Short-term housing loans	−533	−477	−486	−18	−34	4	16	11	5
Short-term consumption loans	135	−94	206	98	197	−189	211	67	72
Short-term other loans	−140	−144	−197	−62	20	14	71	−5	87
Long-term loans	6,780	−2,730	−902	−56	277	−211	−321	463	1,268
Long-term housing loans	5,912	−2,648	−2,780	−375	0	69	−432	215	930
Long-term consumption loans	197	163	300	202	194	−3	171	198	270
Long-term other loans	671	−245	110	117	83	−277	−61	51	69
Trade credits	3	−2	24	−13	−17	17	65	−6	−14
Other accounts receivable	137	357	388	−294	−305	955	−800	−354	−358
Financing, total	6,382	−3,090	−522	−345	138	590	−757	176	1,060
Net lending/Net borrowing	8,603	14,157	29,815	8,328	4,138	12,647	3,437	11,465	−133



Key indicators
Financial investment as a share of GDP	3.3	2.3	5.9	3.9	4.7	5.9	5.7	6.3	5.6
Financing as a share of GDP	1.4	−0.6	−0.1	−0.6	−0.4	−0.1	−0.1	0.0	0.2
Net lending/borrowing as a share of GDP	1.9	3.0	6.0	4.5	5.1	6.0	5.7	6.3	5.4
Financial assets as a share of GDP	183.1	179.3	183.0	181.3	181.5	183.0	181.8	183.1	183.3
Financial liabilities as a share of GDP	48.6	45.1	43.3	44.1	43.7	43.3	42.8	42.5	42.3
Net financial assets as a share of GDP	134.5	134.2	139.6	137.2	137.8	139.6	139.0	140.6	141.0

Source: OeNB.