DATA - Economic sector breakdown of households

Economic sector breakdown of households
Financial instruments	2023	2024	2025	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26

	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	19,452	19,453	19,860	19,722	20,100	20,421
Transferable Deposits	187,815	196,545	206,053	196,545	193,332	202,879	200,139	206,053	198,434
Deposits	115,326	125,549	125,810	125,549	125,202	122,391	122,513	125,810	127,885
Short-term loans	1,794	1,784	2,074	1,784	1,758	1,942	1,853	2,074	1,887
Long-term loans	252	216	278	216	217	247	234	278	222
Trade credits	21	24	26	24	31	30	23	26	40
Short-term debt securities	605	2,789	4,941	2,789	3,342	3,829	3,907	4,941	6,044
Long-term debt securities	27,694	32,599	36,786	32,599	33,721	34,544	35,949	36,786	37,867
Listed shares	42,159	45,414	55,477	45,414	46,932	49,321	52,685	55,477	54,835
Unlisted shares	5,185	5,857	4,973	5,857	6,047	5,411	5,205	4,973	5,001
Mutual fund shares	89,755	101,969	114,315	101,969	101,413	104,458	109,891	114,315	114,779
Other Equity	216,292	216,350	221,441	216,350	218,261	219,194	220,842	221,441	221,105
Life insurance reserves	64,291	64,976	63,430	64,976	63,423	63,253	63,227	63,430	62,910
Non-life insurance technical reserves	4,073	4,593	4,916	4,593	4,927	4,944	4,780	4,916	5,072
Pension entitlements	47,320	49,856	50,902	49,856	49,499	49,453	50,305	50,902	50,399
Entitlements to non-pension benefits	18,650	21,143	23,416	21,143	21,488	22,023	22,942	23,416	24,056
Other accounts receivable	13,817	15,444	15,304	15,444	15,680	15,609	15,682	15,304	15,624
Financial assets, total	856,870	904,560	950,242	904,560	904,726	919,388	929,899	950,242	946,581
Net financial assets	641,378	690,265	734,068	690,265	691,394	705,501	714,728	734,068	729,976

Flows
Monetary gold and Special Drawing Rights	0	0	0	0	0	0	0	0	0
Currency	−1,660	−2,369	571	93	−76	407	−137	377	381
Transferable Deposits	−21,615	9,020	9,848	9,283	−3,109	9,621	−2,694	6,030	−7,651
Deposits	25,279	10,183	820	1,738	81	−2,758	144	3,353	2,027
Short-term loans	−571	−10	289	102	−26	184	−89	220	−186
Long-term loans	−34	−37	62	9	1	30	−13	44	−55
Trade credits	−8	3	1	2	6	0	−7	2	14
Short-term debt securities	197	2,272	2,147	860	551	488	66	1,042	1,109
Long-term debt securities	6,463	4,027	3,619	719	1,174	684	1,095	666	783
Listed shares	718	−101	256	−473	353	391	−29	−459	12
Unlisted shares	−172	100	−239	−34	20	14	23	−296	27
Mutual fund shares	2,294	3,709	7,647	1,084	2,314	1,938	1,552	1,843	2,798
Other Equity	104	−289	1,354	−759	751	346	661	−404	−57
Life insurance reserves	−2,275	−796	−673	7	−427	−354	288	−180	−118
Non-life insurance technical reserves	−5	575	−55	8	371	−16	−161	−249	578
Pension entitlements	265	362	305	91	73	86	77	69	68
Entitlements to non-pension benefits	1,403	1,626	1,841	422	441	457	468	475	498
Other accounts receivable	672	1,618	−157	73	233	−70	67	−387	596
Financial investment, total	11,055	29,893	27,636	13,225	2,731	11,448	1,311	12,146	824
Net lending/Net borrowing	14,061	30,376	24,970	12,607	3,253	10,884	−124	10,957	522


Liabilities

Stocks
Short-term loans	6,820	6,559	6,662	6,559	6,834	6,871	7,003	6,662	6,854
Short-term housing loans	505	322	266	247	266	276	292	317	307
Short-term consumption loans	3,226	3,389	3,617	3,408	3,617	3,659	3,711	3,372	3,443
Short-term other loans	3,089	3,040	2,951	2,904	2,951	2,936	3,001	2,973	3,104
Long-term loans	204,327	202,958	204,296	202,958	202,210	202,677	203,877	204,296	204,920
Long-term housing loans	157,128	155,621	154,677	155,583	154,677	154,960	155,934	156,699	157,011
Long-term consumption loans	13,668	13,776	14,195	14,067	14,195	14,331	14,515	14,446	14,659
Long-term other loans	33,530	33,559	33,338	33,308	33,338	33,387	33,428	33,152	33,250
Trade credits	120	143	198	143	211	205	191	198	230
Other accounts receivable	4,225	4,635	5,018	4,635	4,077	4,134	4,100	5,018	4,601
Financial liabilities, total	215,492	214,295	216,174	214,295	213,332	213,887	215,171	216,174	216,605
Net financial assets	641,378	690,265	734,068	690,265	691,394	705,501	714,728	734,068	729,976

Flows
Short-term loans	−715	−32	270	−171	299	72	164	−265	179
Short-term housing loans	−477	−486	−393	4	16	11	5	24	−17
Short-term consumption loans	−94	206	394	−189	211	67	72	−333	56
Short-term other loans	−144	−197	−113	14	71	−5	87	43	140
Long-term loans	−2,462	−891	1,968	−211	−330	443	1,322	533	465
Long-term housing loans	−2,380	−2,502	−3,185	69	−440	194	984	723	253
Long-term consumption loans	163	300	734	−3	171	198	269	10	187
Long-term other loans	−246	109	11	−277	−61	50	69	−201	25
Trade credits	−2	24	54	17	68	−7	−14	7	30
Other accounts receivable	172	416	375	983	−558	56	−37	914	−372
Financing, total	−3,007	−483	2,667	618	−521	564	1,435	1,189	302
Net lending/Net borrowing	14,061	30,376	24,970	12,607	3,253	10,884	−124	10,957	522



Key indicators
Financial investment as a share of GDP	2.3	6.1	5.4	6.1	5.8	6.3	5.6	5.4	x
Financing as a share of GDP	−0.6	−0.1	0.5	−0.1	0.0	0.1	0.4	0.5	x
Net lending/borrowing as a share of GDP	2.9	6.1	4.9	6.1	5.8	6.2	5.2	4.9	x
Financial assets as a share of GDP	179.3	183.1	185.3	183.1	181.6	182.8	182.9	184.8	x
Financial liabilities as a share of GDP	45.1	43.4	42.2	43.4	42.8	42.5	42.3	42.0	x
Net financial assets as a share of GDP	134.2	139.7	143.1	139.7	138.8	140.3	140.6	142.7	x

Source: OeNB.