Household financial outstanding values, Q3 2023–Q3 2024
Outstanding values, SEK millions
| 2023 | 2024 | |||||
|---|---|---|---|---|---|---|
| Q3 | Q4 | Q1 | Q2 | Q4 | ||
| ASSETS | ||||||
| Currency | 47 618 | 46 644 | 45 798 | 45 976 | 45 910 | |
| Deposits | 2 630 459 | 2 617 188 | 2 631 732 | 2 686 368 | 2 672 345 | |
| Bank deposits | 2 575 354 | 2 558 037 | 2 570 780 | 2 625 341 | 2 609 694 | |
| Capital investments in tax account and national debt savings[1] | 13 158 | 12 810 | 13 218 | 11 872 | 12 029 | |
| Other deposits | 41 947 | 46 341 | 47 734 | 49 155 | 50 622 | |
| Bonds | 17 584 | 19 502 | 22 095 | 21 068 | 21 302 | |
| Lottery bonds[2] | 0 | 0 | 0 | 0 | 0 | |
| Structured products | 17 584 | 19 502 | 22 095 | 21 068 | 21 302 | |
| Directly owned shares | 3 251 139 | 3 623 432 | 3 835 156 | 3 880 622 | 4 053 495 | |
| Swedish listed shares | 1 099 751 | 1 250 556 | 1 312 962 | 1 317 658 | 1 390 703 | |
| Swedish unlisted shares | 1 966 866 | 2 187 471 | 2 318 319 | 2 342 872 | 2 448 612 | |
| Foreign shares | 184 522 | 185 405 | 203 875 | 220 092 | 214 180 | |
| Funds | 1 773 697 | 1 910 560 | 2 270 124 | 2 218 408 | 2 271 846 | |
| Swedish-registered funds | 1 440 089 | 1 564 506 | 1 890 360 | 1 814 061 | 1 863 336 | |
| Equity funds | 879 169 | 948 327 | 1 069 069 | 1 107 122 | 1 130 084 | |
| Bond and money market funds | 54 477 | 56 583 | 56 912 | 57 127 | 57 608 | |
| Other funds | 506 443 | 559 596 | 764 379 | 649 812 | 675 644 | |
| Foreign-registered funds | 333 608 | 346 054 | 379 764 | 404 347 | 408 510 | |
| Tenant ownership rights | 3 245 319 | 3 162 527 | 3 324 781 | 3 367 312 | 3 386 970 | |
| Holiday homes abroad[3] | 298 489 | 302 210 | 308 699 | 315 187 | 321 571 | |
| Private insurance savings | 1 287 830 | 1 315 438 | 1 347 527 | 1 364 039 | 1 384 743 | |
| Swedish | 1 195 863 | 1 216 705 | 1 244 435 | 1 262 706 | 1 283 410 | |
| Non-unit-linked | 938 892 | 936 099 | 968 883 | 977 516 | 990 106 | |
| Unit-linked | 256 971 | 280 606 | 275 552 | 285 190 | 293 304 | |
| Foreign | 91 967 | 98 733 | 103 092 | 101 333 | 101 333 | |
| Occupational pensions | 3 794 194 | 3 959 544 | 4 112 061 | 4 222 231 | 4 312 443 | |
| Non-unit-linked | 2 291 995 | 2 366 685 | 2 418 688 | 2 472 575 | 2 511 311 | |
| Unit-linked | 1 502 199 | 1 592 859 | 1 693 373 | 1 749 656 | 1 801 132 | |
| Premium pensions | 2 162 997 | 2 274 746 | 2 552 183 | 2 630 204 | 2 681 386 | |
| Other insurance technical reserves[4] | 190 666 | 182 936 | 201 875 | 199 387 | 190 483 | |
| Accruals, assets[5] | 367 956 | 389 315 | 389 258 | 388 692 | 382 723 | |
| Other financial assets | 55 130 | 55 891 | 54 402 | 54 818 | 54 208 | |
| Total financial assets | 19 123 078 | 19 859 933 | 21 095 691 | 21 394 312 | 21 779 425 | |
| Individual financial assets excluding accruals | 12 607 265 | 13 053 392 | 13 840 314 | 13 953 798 | 14 212 390 | |
| LIABILITIES | ||||||
| Loans | 5 232 173 | 5 232 071 | 5 243 226 | 5 265 125 | 5 283 419 | |
| Loans in banks and housing credit institutions | 4 820 076 | 4 817 164 | 4 823 382 | 4 844 463 | 4 862 543 | |
| Student loans, Government | 270 087 | 273 561 | 279 644 | 281 168 | 283 160 | |
| Other loans | 142 010 | 141 346 | 140 200 | 139 494 | 137 716 | |
| Accruals, liabilities[6] | 190 877 | 201 461 | 184 189 | 182 859 | 179 204 | |
| Other liabilities | 39 994 | 40 046 | 40 021 | 40 018 | 40 054 | |
| Total liabilities | 5 463 044 | 5 473 578 | 5 467 436 | 5 488 002 | 5 502 677 | |
| Liabilities excluding accruals | 5 272 167 | 5 272 117 | 5 283 247 | 5 305 143 | 5 323 473 | |
| Financial net wealth | 13 660 034 | 14 386 355 | 15 628 255 | 15 906 310 | 16 276 748 | |
| Financial net wealth excluding accruals[7] | 7 335 098 | 7 781 275 | 8 557 067 | 8 648 655 | 8 888 917 | |
1) New transactions made by households to the Swedish Tax Agency since the fourth quarter of 2015 (considered as savings) are included here. The Swedish National Debt Office is phasing out the savings form National Debt Savings.
2) Lottery bonds are being phased out as a saving. The last issued lottery bonds will mature in 2021.
3) According to the National Accounts manual ESA 2010, Swedish households cannot own real assets such as real estate abroad; ownership of real estate abroad is instead registered as a financial asset abroad (ESA 2010 sections 7.76 and 18.15). Swedish households' real assets in Sweden are not included in the Savings Barometer, which only shows households' financial assets.
4) Non-life insurance technical reserves and entitlements to non-pension benefits.
5) Other accounts receivable.
6) Other accounts payable.
7) Financial net wealth excluding accruals are excluding savings in occupational pensions, premium pensions, other insurance technical reserves and accruals net.
Definitions and explanations
- Magnitude nil
. Category not applicable
.. Data not available or too uncertain to be stated
