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Published: 11 July 2013

Households’ net financial assets decreased in 2012

Households' financial assets stood at EUR 220.2 billion at the end of 2012. Financial assets grew only by EUR 2.5 billion during the year. While liabilities correspondingly grew by EUR 6.4 billion to EUR 132.6 billion, households' net financial assets decreased to EUR 87.6 billion. These data derive from Statistics Finland’s Financial Accounts statistics.

Financial assets of households 1998-2012, EUR billion

Financial assets of households 1998-2012, EUR billion

From fixed-term deposits to cash deposits

At the end of 2012, over EUR 80 billion, or 36 per cent of households' financial assets were deposits. Even though the total amount of deposits remained practically unchanged during the year, there was a clear shift from fixed-term deposits to cash deposits. At the end of 2012, EUR 46 billion of households' financial assets were insurance technical reserves, EUR 39 billion unquoted shares and equity, EUR 24 billion quoted shares and EUR 14 billion mutual fund shares. Households' net investments both in quoted shares and investment funds increased slightly from the year before.

Indebtedness rate went up

Households' loan debts stood at EUR 123.4 billion at the end of 2012. Loan debts grew by altogether EUR 6.1 billion during 2012, which resulted in households' indebtedness increasing by 2.5 percentage points to 118.2 per cent. Households' indebtedness is calculated as the ratio of their loan debts at the end of the year to their total disposable income of the year.

Source: Financial Accounts, Statistics Finland

Inquiries: Martti Pykäri 09 1734 3382,

Director in charge: Leena Storgårds

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Updated 11.7.2013

Referencing instructions:

Official Statistics of Finland (OSF): Financial accounts [e-publication].
ISSN=1458-8145. 2012. Helsinki: Statistics Finland [referred: 28.2.2024].
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