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Households’ indebtedness ratio continued falling in the first quarter of 2025

Release related to topics:National economy
release | Financial accounts 2025, 1st quarter

According to Statistics Finland, households' indebtedness ratio fell in the first quarter of 2025. Households’ net financial assets grew by EUR 1.7 billion from the previous quarter. Central government’s net financial assets fell by EUR 3.0 billion from the previous quarter. Net financial assets refer to the difference between financial assets and liabilities.

Key selections

  • Households' indebtedness ratio was 122.1 per cent in the first quarter of 2025.
  • Central government's liabilities exceeded its assets by EUR 102.0 billion.
  • Net financial assets of employment pension schemes fell by EUR 3.4 billion from the previous quarter.

Figures

See key statistical data in the figures.

Shares and other equity held by employment pension schemes 2016Q1-2025Q1

Financial assets of households 2016Q1-2025Q1

Data revisions

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Revisions to the sectors' financial assets from the first publication, EUR million

Revisions to the sectors' debts from the first publication, EUR million

Database tables

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Updated database tables
11n9
Classifications used:
  • Sector
  • Debtor sector
  • Instrument
Reference period cycle:
quarter
Updating frequency:
quarter
Statistics:
Updated:
129g
Classifications used:
  • Sector
Reference period cycle:
quarter
Updating frequency:
quarter
Statistics:
Updated:
11qp
Classifications used:
  • Instrument
  • Sector
  • Debtor sector
Reference period cycle:
year
Updating frequency:
irregular
Statistics:
Updated:

Future releases

Documentation

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Referencing instructions

Official Statistics of Finland (OSF): Financial accounts [online publication].
Reference period: 2025, 1st quarter. ISSN=1458-8145. Helsinki: Statistics Finland [Referenced: 18.6.2025].
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Statistical experts

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Service email
rahoitus.tilinpito@stat.fi
Juuso Hietanen
Senior Statistician
029 551 3984

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Katri Kaaja
Head of Department in charge
029 551 3488