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Published: 28 March 2018

Households’ net financial assets totalled EUR 147.3 billion at the end of 2017

At the end of 2017, households had financial assets, such as deposits, shares and mutual fund shares, to the value of EUR 307.9 billion and EUR 160.6 billion in liabilities. When liabilities are deducted from financial assets, households’ net financial assets are EUR 147.3 billion at the end of the year. Over the year, net financial assets grew by EUR 6.7 billion, or 4.8 per cent, as financial assets increased by EUR 13.1 billion but liabilities grew by just EUR 6.4 billion. These data appear from Statistics Finland's financial accounts statistics.

Households’ financial assets

Households’ financial assets

Growth of households’ net financial assets continued in late 2017

EUR 2.4 billion of the growth of net financial assets were created during the last quarter of the year. Households' financial assets increased EUR 3.0 billion in October to December and liabilities by EUR 0.7 billion over the same period.

EUR 1.0 billion of the rise in households’ financial assets were due to holding gains, that is, the value increase of investments. In addition, households made new investments in financial assets on net by EUR 2.0 billion in October to December. Households’ investment flow into cash and transferable deposits grew on net by EUR 1.4 billion. EUR 0.3 billion more new assets also flowed to investment funds than were withdrawn from them. In turn, investments in time deposits, debt securities and quoted shares decreased on net.

Households’ loan debts increased by EUR 1.5 billion during the last quarter, so that loan debt amounted to EUR 148.4 billion at the end of the year. Households' rate of indebtedness was 128.3 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 decreased in October to December

Non-financial corporations’ debt financing declined by EUR 2.9 billion during the fourth quarter of 2017 to EUR 236.9 billion. Debt financing refers to non-financial corporations’ loan debts and commercial papers and other debt securities issued primarily by large non-financial corporations. Of these two components, financing in the form of debt securities fell to the level of EUR 29.9 billion, with a drop of EUR 1.8 billion from the end of September. In addition, non-financial corporations’ loan debts decreased by EUR 1.0 billion, so that they amounted to EUR 207.0 billion at the end of the year. Here, the non-financial corporations sector has been limited so that it does not include financial and insurance corporations nor housing companies or other housing associations.

Source: Financial accounts, Statistics Finland

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

Director in charge: Ville Vertanen

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Revisions in these statistics

Updated 28.3.2018

Referencing instructions:

Official Statistics of Finland (OSF): Financial accounts [e-publication].
ISSN=1458-8145. 4th quarter 2017. Helsinki: Statistics Finland [referred: 28.2.2024].
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