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Published: 14 July 2011

Holding gains boosted households' financial assets last year

Households' financial assets stood at EUR 223 billion at the end of 2010. Their financial assets grew by EUR 16 billion from 2009. Most, or EUR 10 billion, of the growth were holding gains which came from the risen value of households' investments. Net investments, in turn, boosted households' financial assets by EUR 6 billion. This is indicated by Statistics Finland’s financial accounts statistics.

Change in financial assets of households 1997-2010, EUR billion

Change in financial assets of households 1997-2010, EUR billion

Correction on 14 July 2011. The data on 2008 have been corrected in the figure.

Households favoured deposits

Households invested the largest amount of their assets in deposits. EUR 75 billion, or 34 per cent, of the EUR 223 billion of households' financial assets were deposits. Most of their net investments in 2010 were also directed to deposits. Besides deposits, at the end of the year households had EUR 44 billion invested in unquoted shares and equity, EUR 44 billion in insurance technical reserves, EUR 29 billion in quoted shares and EUR 14 billion in mutual fund shares. In addition, households had other financial assets to the value of EUR 16 billion.

Indebtedness went up again

At the end of 2010, households' loan debts amounted to EUR 111 billion. Loan debts increased by EUR 6 billion from the previous year. However, households' financial assets grew by more than their debts, so that households' net financial wealth increased by EUR 10 billion over the year. Indebtedness ratio, i.e. proportion of loans relative to disposable income, rose to 113.7 per cent.

Source: Financial Accounts, Statistics Finland

Inquiries: Saara Roine +358-9-1734 3325,

Director in charge: Ari Tyrkkö

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Updated 14.7.2011

Referencing instructions:

Official Statistics of Finland (OSF): Financial accounts [e-publication].
ISSN=1458-8145. 2010. Helsinki: Statistics Finland [referred: 28.2.2024].
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