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Households’ net financial assets increased in the third quarter of 2025

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National economy
release | Financial accounts 2025, 3rd quarter

According to Statistics Finland, households' indebtedness ratio fell in the third quarter of 2025. Households’ net financial assets grew by EUR 6.7 billion from the previous quarter. Central government’s net financial assets grew by EUR 5.9 billion from the previous quarter. Net financial assets refer to the difference between financial assets and liabilities.

Key selections

  • Households' indebtedness ratio was 121.1 per cent in the third quarter of 2025.
  • Central government's liabilities exceeded its assets by EUR 107.1 billion.
  • Net financial assets of employment pension schemes grew by EUR 7.0 billion from the previous quarter.

Tables

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Shares and other equity held by employment pension schemes 2016Q3-2025Q3

Financial assets of households 2016Q3-2025Q3

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:

Future releases

Documentation

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Referencing instructions

Official Statistics of Finland (OSF): Financial accounts [online publication].
Reference period: 2025, 3rd quarter. ISSN=1458-8145. Helsinki: Statistics Finland [Referenced: 19.12.2025].
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Statistical experts

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Service email
rahoitus.tilinpito@stat.fi
Roope Rahikka
Senior Statistician
029 551 3338

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Pauliina Turunen
Senior Statistician
029 55 12958
Juuso Hietanen
Senior Statistician
029 551 3984

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Katri Kaaja
Head of Department in charge
029 551 3488