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Published: 30 June 2016

Households’ net financial assets decreased in the first quarter of 2016

Households’ financial assets declined by EUR 2.7 billion during the first quarter of 2016 falling to EUR 278.3 billion. In turn, households’ debts increased by EUR 0.8 billion during the first quarter of 2016 rising to EUR 148.1 billion. As a result of these changes, households' net financial assets decreased by EUR 3.5 billion to EUR 130.2 billion. Net financial assets refer to the difference between financial assets and liabilities. These data derive from Statistics Finland’s financial accounts statistics.

Households’ financial assets

Households’ financial assets

During the first quarter of 2016, households decreased their net investments in financial assets by EUR 0.4 billion. Households' net investments in deposits and quoted shares increased but investments in debt securities and investment funds decreased. Even though households' net investments in financial assets were negative, holding losses were the main reason for the decrease in financial assets.

Households’ loan debts increased by EUR 0.5 billion during the first quarter of 2016 rising to EUR 138.2 billion. Despite this, households' indebtedness ratio decreased by 0.3 percentage points from the previous quarter to 124.6 per cent. Households' indebtedness ratio is calculated as the ratio of their loan debts at the end of a quarter to their total disposable income during the preceding four quarters.

Non-financial corporations’ debt financing increased by EUR 4.9 billion during the first quarter of 2016 rising to EUR 228.2 billion. Non-financial corporations’ financing in the form of debt securities grew by EUR 2.5 billion to EUR 34.8 billion, while non-financial corporations' loan debts went up by EUR 2.4 billion to EUR 193.4 billion. Debt financing refers to the total of loan debts and financing in the form of debt securities.

Source: Financial accounts, Statistics Finland

Inquiries: Peter Parkkonen 029 551 2571, Henna Laasonen 029 551 3303,

Director in charge: Ville Vertanen

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Updated 30.6.2016

Referencing instructions:

Official Statistics of Finland (OSF): Financial accounts [e-publication].
ISSN=1458-8145. 1st quarter 2016. Helsinki: Statistics Finland [referred: 4.3.2024].
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