Household financial outstanding values, Q4 2023–Q4 2024
Outstanding values, SEK millions
| 2023 | 2024 | 2024 | 2024 | 2024 | |
|---|---|---|---|---|---|
| Q4 | Q1 | Q2 | Q3 | Q4 | |
| ASSETS | |||||
| Currency | 46 644 | 45 798 | 45 976 | 45 791 | 45 592 |
| Deposits | 2 617 188 | 2 631 732 | 2 686 368 | 2 672 023 | 2 668 106 |
| Bank deposits | 2 558 037 | 2 570 780 | 2 625 341 | 2 609 694 | 2 601 510 |
| Capital investments in tax account and national debt savings[1] | 12 810 | 13 218 | 11 872 | 11 707 | 11 004 |
| Other deposits | 46 341 | 47 734 | 49 155 | 50 622 | 55 592 |
| Bonds | 19 502 | 22 095 | 21 068 | 21 302 | 23 178 |
| Lottery bonds[2] | 0 | 0 | 0 | 0 | 0 |
| Structured products | 19 502 | 22 095 | 21 068 | 21 302 | 23 178 |
| Directly owned shares | 3 623 432 | 3 835 156 | 3 880 622 | 4 028 999 | 3 813 366 |
| Swedish listed shares | 1 250 556 | 1 312 962 | 1 317 658 | 1 390 704 | 1 295 331 |
| Swedish unlisted shares | 2 187 471 | 2 318 319 | 2 342 872 | 2 424 115 | 2 295 470 |
| Foreign shares | 185 405 | 203 875 | 220 092 | 214 180 | 222 565 |
| Funds | 1 920 841 | 2 112 801 | 2 195 658 | 2 214 435 | 2 234 794 |
| Swedish-registered funds | 1 574 787 | 1 733 037 | 1 789 157 | 1 805 899 | 1 833 989 |
| Equity funds | 948 327 | 1 069 069 | 1 107 122 | 1 132 787 | 1 163 462 |
| Bond and money market funds | 56 583 | 56 912 | 57 127 | 57 608 | 71 724 |
| Other funds | 569 877 | 607 056 | 624 908 | 615 504 | 598 803 |
| Foreign-registered funds | 346 054 | 379 764 | 406 501 | 408 536 | 400 805 |
| Tenant ownership rights | 3 365 123 | 3 538 672 | 3 585 631 | 3 606 505 | 3 614 279 |
| Holiday homes abroad[3] | 302 210 | 308 664 | 315 118 | 321 571 | 332 583 |
| Private insurance savings | 1 300 376 | 1 375 161 | 1 392 405 | 1 418 548 | 1 432 919 |
| Swedish | 1 201 643 | 1 272 069 | 1 291 072 | 1 312 753 | 1 327 124 |
| Non-unit-linked | 936 670 | 978 486 | 987 079 | 999 662 | 1 006 422 |
| Unit-linked | 264 973 | 293 583 | 303 993 | 313 091 | 320 702 |
| Foreign | 98 733 | 103 092 | 101 333 | 105 795 | 105 795 |
| Occupational pensions | 3 969 759 | 4 188 776 | 4 282 747 | 4 370 925 | 4 281 020 |
| Non-unit-linked | 2 376 900 | 2 429 934 | 2 464 767 | 2 498 901 | 2 361 173 |
| Unit-linked | 1 592 859 | 1 758 842 | 1 817 980 | 1 872 024 | 1 919 847 |
| Premium pensions | 2 274 747 | 2 552 184 | 2 630 202 | 2 681 428 | 2 813 408 |
| Other insurance technical reserves[4] | 180 223 | 199 162 | 196 675 | 187 771 | 207 434 |
| Accruals, assets[5] | 377 362 | 416 296 | 489 088 | 474 408 | 492 764 |
| Other financial assets | 55 891 | 54 402 | 54 818 | 54 199 | 55 010 |
| Total financial assets | 20 053 298 | 21 280 899 | 21 776 376 | 22 097 905 | 22 014 453 |
| Individual financial assets excluding accruals | 13 251 207 | 13 924 481 | 14 177 664 | 14 383 373 | 14 219 827 |
| LIABILITIES | |||||
| Loans | 5 232 028 | 5 243 183 | 5 265 082 | 5 284 348 | 5 309 420 |
| Loans in banks and housing credit institutions | 4 817 164 | 4 823 382 | 4 844 463 | 4 862 543 | 4 884 905 |
| Student loans, Government | 273 561 | 279 644 | 281 168 | 284 035 | 287 035 |
| Other loans | 141 303 | 140 157 | 139 451 | 137 770 | 137 480 |
| Accruals, liabilities[6] | 200 903 | 184 245 | 181 679 | 174 131 | 179 276 |
| Other liabilities | 40 046 | 40 021 | 40 018 | 40 054 | 39 995 |
| Total liabilities | 5 472 977 | 5 467 449 | 5 486 779 | 5 498 533 | 5 528 691 |
| Liabilities excluding accruals | 5 272 074 | 5 283 204 | 5 305 100 | 5 324 402 | 5 349 415 |
| Financial net wealth | 14 580 321 | 15 813 450 | 16 289 597 | 16 599 372 | 16 485 762 |
| Financial net wealth excluding accruals[7] | 7 979 133 | 8 641 277 | 8 872 564 | 9 058 971 | 8 870 412 |
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 bond have been phased out as a saving. The last issued lottery bonds matured 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
