DATA - Economic sector breakdown of households

Economic sector breakdown of households
Financial instruments	2022	2023	2024	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 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	19,759	19,516	19,359	19,452	19,489	20,025
Transferable Deposits	209,586	187,815	196,545	185,200	187,597	187,287	196,545	193,331	202,878
Deposits	90,064	115,326	125,549	121,585	122,790	123,650	125,549	125,602	122,284
Short-term loans	2,365	1,794	1,784	1,636	1,972	1,681	1,784	1,758	1,942
Long-term loans	286	252	216	264	262	206	216	217	247
Trade credits	29	21	24	17	20	22	24	30	29
Short-term debt securities	474	605	2,789	604	1,492	1,958	2,789	3,341	3,828
Long-term debt securities	20,374	27,694	32,599	28,884	30,274	31,725	32,599	33,706	34,512
Listed shares	36,968	42,159	45,417	44,177	44,950	45,121	45,417	46,877	49,198
Unlisted shares	5,180	5,189	5,858	5,188	5,230	5,490	5,858	6,047	5,411
Mutual fund shares	81,872	89,755	101,984	94,536	96,702	99,374	101,984	101,356	104,317
Other Equity	210,051	216,292	216,350	216,396	217,050	216,780	216,350	218,241	219,141
Life insurance reserves	63,309	64,291	64,976	64,823	63,600	65,003	64,976	63,435	63,260
Non-life insurance technical reserves	3,860	4,073	4,593	4,477	4,506	4,780	4,593	4,927	4,944
Pension entitlements	45,296	47,320	49,816	48,049	48,357	49,289	49,816	49,467	49,292
Entitlements to non-pension benefits	16,574	18,650	21,143	19,303	19,799	20,633	21,143	21,488	21,946
Other accounts receivable	13,151	13,828	14,881	13,366	13,821	14,789	14,881	15,064	15,140
Financial assets, total	822,920	856,885	903,976	868,264	877,938	887,147	903,976	904,376	918,394
Net financial assets	604,432	641,477	689,807	654,242	664,274	673,367	689,807	690,793	704,252

Flows
Monetary gold and Special Drawing Rights	0	0	0	0	0	0	0	0	0
Currency	−66	−1,660	−2,369	−2,062	−243	−157	93	37	536
Transferable Deposits	6,157	−21,615	9,020	−2,465	2,385	−183	9,283	−3,109	9,621
Deposits	−1,434	25,279	10,183	6,406	1,163	876	1,738	83	−3,264
Short-term loans	−588	−571	−10	−158	337	−291	102	−26	184
Long-term loans	129	−34	−37	12	−2	−56	9	1	30
Trade credits	0	−8	3	−4	3	2	2	6	−1
Short-term debt securities	−27	197	2,272	17	901	494	860	550	487
Long-term debt securities	2,313	6,463	4,027	1,010	1,361	937	719	1,158	667
Listed shares	2,039	718	−101	212	73	87	−473	295	328
Unlisted shares	741	−160	100	34	35	65	−34	20	14
Mutual fund shares	6,195	2,294	3,709	784	842	999	1,084	2,238	1,857
Other Equity	364	104	−289	135	365	−30	−759	746	346
Life insurance reserves	−1,624	−2,275	−796	−461	−235	−107	7	−425	−358
Non-life insurance technical reserves	−253	−5	575	342	46	179	8	371	−16
Pension entitlements	314	265	334	77	95	78	84	69	82
Entitlements to non-pension benefits	1,336	1,403	1,626	388	403	413	422	441	457
Other accounts receivable	−611	672	1,045	−471	454	970	92	179	77
Financial investment, total	14,985	11,067	29,292	3,796	7,983	4,276	13,237	2,634	11,047
Net lending/Net borrowing	8,603	14,157	29,815	4,702	8,328	4,138	12,647	3,079	10,479


Liabilities

Stocks
Short-term loans	7,640	6,820	6,558	6,751	6,738	6,846	6,558	6,833	6,871
Short-term housing loans	1,027	505	322	322	302	251	247	263	273
Short-term consumption loans	3,459	3,226	3,389	3,389	3,475	3,655	3,408	3,604	3,646
Short-term other loans	3,154	3,089	3,040	3,040	2,961	2,940	2,903	2,966	2,952
Long-term loans	206,665	204,058	202,676	202,675	202,640	202,969	202,676	202,218	202,648
Long-term housing loans	159,455	156,860	155,341	155,341	155,055	155,181	155,304	154,776	155,021
Long-term consumption loans	13,703	13,668	13,776	13,776	14,001	14,101	14,067	14,208	14,344
Long-term other loans	33,507	33,530	33,559	33,559	33,584	33,686	33,306	33,234	33,283
Trade credits	122	120	143	157	144	126	143	209	203
Other accounts receivable	4,061	4,410	4,792	4,439	4,142	3,838	4,792	4,322	4,420
Financial liabilities, total	218,488	215,408	214,169	214,022	213,664	213,779	214,169	213,582	214,142
Net financial assets	604,432	641,477	689,807	654,242	664,274	673,367	689,807	690,793	704,252

Flows
Short-term loans	−538	−715	−32	−62	18	183	−171	298	73
Short-term housing loans	−533	−477	−486	−184	−18	−34	4	17	11
Short-term consumption loans	135	−94	206	170	98	197	−189	211	67
Short-term other loans	−140	−144	−197	−48	−62	20	14	70	−5
Long-term loans	6,780	−2,730	−902	−912	−56	277	−211	−339	405
Long-term housing loans	5,912	−2,648	−2,780	−1,148	−375	0	69	−447	155
Long-term consumption loans	197	163	300	120	202	194	−3	170	198
Long-term other loans	671	−245	110	116	117	83	−277	−62	52
Trade credits	3	−2	24	37	−13	−17	17	65	−6
Other accounts receivable	137	357	388	32	−294	−305	955	−469	96
Financing, total	6,382	−3,090	−522	−905	−345	138	590	−445	568
Net lending/Net borrowing	8,603	14,157	29,815	4,702	8,328	4,138	12,647	3,079	10,479



Key indicators
Financial investment as a share of GDP	3.3	2.3	5.9	3.4	3.9	4.7	5.9	5.7	6.2
Financing as a share of GDP	1.4	−0.6	−0.1	−0.5	−0.6	−0.4	−0.1	0.0	0.2
Net lending/borrowing as a share of GDP	1.9	3.0	6.0	4.0	4.5	5.1	6.0	5.7	6.1
Financial assets as a share of GDP	183.1	179.3	183.0	180.7	181.3	181.5	183.0	181.8	183.2
Financial liabilities as a share of GDP	48.6	45.1	43.3	44.5	44.1	43.7	43.3	42.9	42.7
Net financial assets as a share of GDP	134.5	134.2	139.6	136.2	137.2	137.8	139.6	138.9	140.5

Source: OeNB.