Households’ net financial assets decreased in the second quarter of 2022
release | Financial accounts 2022, 2nd quarterAccording to Statistics Finland, households’ financial assets decreased by EUR nine billion during the second quarter of 2022, falling to EUR 368.3 billion. In turn, households’ debts increased by EUR 3.9 billion during the second quarter of 2022, rising to EUR 203.4 billion. As a result of these changes, households' net financial assets decreased by EUR 12.9 billion to EUR 164.9 billion. Net financial assets refer to the difference between financial assets and liabilities.
Key selections
- Households' indebtedness ratio rose by 0.6 percentage points.
- Holding losses decreased households’ financial assets.
Households’ indebtedness ratio
Households’ loan debts increased by EUR 2.1 billion during the second quarter of 2022, rising to EUR 171.9 billion. Households' indebtedness ratio rose by 0.6 percentage points from the previous quarter to 134.4 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.
Holding losses decreased households’ financial assets
During the second quarter of 2022, households increased their net investments in financial assets by EUR 3.2 billion. Households' net investments increased in deposits, quoted shares and mutual funds and decreased in debt securities. Even though households' net investments in financial assets increased, holding gains caused a decrease in the total level of financial assets.
Data revisions
Revisions to the sectors' financial assets from the first publication, EUR million
Revisions to the sectors' debts from the first publication, EUR million
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