Financial accounts 2023, 3rd quarter
Households’ indebtedness ratio continued falling in the third quarter of 2023
releaseAccording to Statistics Finland, households’ financial assets declined by EUR 1.8 billion during the third quarter of 2023 and amounted to EUR 378.8 billion. In turn, households' debts decreased by EUR 0.8 billion and amounted to EUR 202.6 billion. As a result of these changes, households' net financial assets decreased. Net financial assets refer to the difference between financial assets and liabilities.
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Key selections
- Households' indebtedness ratio was 123.4 per cent.
- General government's net financial assets decreased by EUR 6.2 billion from the previous quarter.
- Central government's liabilities exceeded its assets by EUR 84.7 billion.
Figures
See key statistical data in the figures.
Shares and other equity held by employment pension schemes 2010Q3-2023Q3
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Financial assets of households 2010Q3-2023Q3
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Data revisions
See key statistical data in the tables.
Revisions to the sectors' financial assets from the first publication, EUR million
| 1st release | Revision | Latest release | ||
|---|---|---|---|---|
| S11 Non-financial corporations | 2022Q4 | 512 573 | 45 227 | 557 800 |
| 2023Q1 | 516 604 | 36 884 | 553 488 | |
| 2023Q2 | 542 924 | 5 860 | 548 784 | |
| S12 Financial and insurance corporations | 2022Q4 | 1 277 716 | -3 943 | 1 273 773 |
| 2023Q1 | 1 299 241 | -5 930 | 1 293 311 | |
| 2023Q2 | 1 284 489 | -122 | 1 284 367 | |
| S13 General government | 2022Q4 | 385 464 | -520 | 384 944 |
| 2023Q1 | 392 377 | 931 | 393 308 | |
| 2023Q2 | 398 501 | -1 441 | 397 060 | |
| S14 Households | 2022Q4 | 376 924 | -3 575 | 373 349 |
| 2023Q1 | 381 511 | -2 528 | 378 983 | |
| 2023Q2 | 382 975 | -2 292 | 380 683 | |
| S15 Non-profit institutions serving households | 2022Q4 | 28 965 | 145 | 29 110 |
| 2023Q1 | 29 148 | 111 | 29 259 | |
| 2023Q2 | 28 864 | 69 | 28 933 | |
| S2 Rest of the world | 2022Q4 | 894 654 | 7 702 | 902 356 |
| 2023Q1 | 927 565 | -1 082 | 926 483 | |
| 2023Q2 | 929 539 | 1 890 | 931 429 | |
Revisions to the sectors' debts from the first publication, EUR million
| 1. release | Revision | Latest release | ||
|---|---|---|---|---|
| S11 Non-financial corporations | 2022Q4 | 846 007 | 40 482 | 886 489 |
| 2023Q1 | 858 623 | 23 949 | 882 572 | |
| 2023Q2 | 862 783 | 5 681 | 868 464 | |
| S12 Financial and insurance corporations | 2022Q4 | 1 315 601 | -2 451 | 1 313 150 |
| 2023Q1 | 1 333 007 | -3 778 | 1 329 229 | |
| 2023Q2 | 1 320 112 | 304 | 1 320 416 | |
| S13 General government | 2022Q4 | 224 081 | 1 768 | 225 849 |
| 2023Q1 | 228 933 | 1 396 | 230 329 | |
| 2023Q2 | 240 239 | -1 951 | 238 288 | |
| S14 Households | 2022Q4 | 201 104 | -894 | 200 210 |
| 2023Q1 | 205 459 | -299 | 205 160 | |
| 2023Q2 | 203 334 | -9 | 203 325 | |
| S15 Households and non-profit institutions serving households | 2022Q4 | 4 260 | 6 | 4 266 |
| 2023Q1 | 5 513 | -2 | 5 511 | |
| 2023Q2 | 5 885 | 2 | 5 887 | |
| S2 Rest of the world | 2022Q4 | 885 243 | 6 125 | 891 368 |
| 2023Q1 | 914 911 | 7 120 | 922 031 | |
| 2023Q2 | 934 939 | -63 | 934 876 | |
Database tables
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Referencing instructions
Official Statistics of Finland (OSF): Financial accounts [online publication].
Reference period: 2023, 3rd quarter. ISSN=1458-8145. Helsinki: Statistics Finland [Referenced: 11.11.2026].
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Related topics
TopicsNational economy
Contact information
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rahoitus.tilinpito@stat.fiInquiries primarily
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