Household financial outstanding values, Q4 2022–Q4 2023
Outstanding values, SEK millions
| 2022 | 2023 | |||||
|---|---|---|---|---|---|---|
| Q4 | Q1 | Q2 | Q3 | Q4 | ||
| ASSETS | ||||||
| Currency | 51 834 | 51 071 | 51 063 | 47 619 | 46 699 | |
| Deposits | 2 591 974 | 2 581 528 | 2 630 654 | 2 631 308 | 2 618 871 | |
| Bank deposits | 2 539 234 | 2 528 424 | 2 577 191 | 2 575 354 | 2 558 011 | |
| Capital investments in tax account and national debt savings[1] | 14 502 | 14 734 | 14 280 | 14 154 | 14 519 | |
| Other deposits | 38 238 | 38 370 | 39 183 | 41 800 | 46 341 | |
| Bonds | 16 223 | 18 773 | 17 982 | 17 584 | 19 502 | |
| Lottery bonds[2] | 0 | 0 | 0 | 0 | 0 | |
| Structured products | 16 223 | 18 773 | 17 982 | 17 584 | 19 502 | |
| Directly owned shares | 3 309 375 | 3 542 890 | 3 546 786 | 3 354 691 | 3 804 199 | |
| Swedish listed shares | 1 102 227 | 1 205 081 | 1 184 263 | 1 099 751 | 1 250 556 | |
| Swedish unlisted shares | 2 038 481 | 2 157 099 | 2 169 731 | 2 070 418 | 2 368 238 | |
| Foreign shares | 168 667 | 180 710 | 192 792 | 184 522 | 185 405 | |
| Funds | 1 514 686 | 1 614 108 | 1 710 368 | 1 639 332 | 1 757 678 | |
| Swedish-registered funds | 1 213 679 | 1 301 660 | 1 370 094 | 1 308 707 | 1 414 854 | |
| Equity funds | 733 291 | 805 862 | 872 608 | 829 664 | 894 157 | |
| Bond and money market funds | 50 686 | 51 863 | 53 804 | 54 477 | 56 530 | |
| Other funds | 429 702 | 443 935 | 443 682 | 424 566 | 464 167 | |
| Foreign-registered funds | 301 007 | 312 448 | 340 274 | 330 625 | 342 824 | |
| Tenant ownership rights | 3 058 401 | 3 227 245 | 3 258 756 | 3 233 882 | 3 146 562 | |
| Holiday homes abroad[3] | 287 354 | 295 305 | 302 813 | 310 320 | 318 140 | |
| Private insurance savings | 1 234 599 | 1 281 401 | 1 319 669 | 1 296 766 | 1 308 825 | |
| Swedish | 1 147 076 | 1 189 585 | 1 225 203 | 1 204 799 | 1 216 706 | |
| Non-unit-linked | 905 423 | 931 638 | 951 544 | 938 892 | 936 099 | |
| Unit-linked | 241 653 | 257 947 | 273 659 | 265 907 | 280 607 | |
| Foreign | 87 523 | 91 816 | 94 466 | 91 967 | 92 119 | |
| Occupational pensions | 3 472 168 | 3 594 644 | 3 726 265 | 3 693 089 | 3 806 359 | |
| Non-unit-linked | 2 113 407 | 2 146 401 | 2 189 641 | 2 201 060 | 2 232 632 | |
| Unit-linked | 1 358 761 | 1 448 243 | 1 536 624 | 1 492 029 | 1 573 727 | |
| Premium pensions | 1 914 671 | 2 045 644 | 2 225 363 | 2 162 997 | 2 275 140 | |
| Other insurance technical reserves[4] | 178 668 | 191 800 | 195 513 | 190 160 | 182 281 | |
| Accruals, assets[5] | 407 913 | 423 056 | 464 170 | 405 105 | 415 487 | |
| Other financial assets | 52 013 | 52 752 | 53 017 | 52 426 | 53 444 | |
| Total financial assets | 18 089 879 | 18 920 217 | 19 502 419 | 19 035 279 | 19 753 187 | |
| Individual financial assets excluding accruals | 12 116 459 | 12 665 073 | 12 891 108 | 12 583 928 | 13 073 920 | |
| LIABILITIES | ||||||
| Loans | 5 208 239 | 5 212 493 | 5 225 622 | 5 234 573 | 5 223 013 | |
| Loans in banks and housing credit institutions | 4 799 446 | 4 798 263 | 4 811 955 | 4 820 076 | 4 817 081 | |
| Student loans, Government | 261 777 | 266 840 | 267 630 | 270 087 | 274 417 | |
| Other loans | 147 016 | 147 390 | 146 037 | 144 410 | 131 515 | |
| Accruals, liabilities[6] | 177 424 | 178 064 | 183 166 | 182 511 | 185 606 | |
| Other liabilities | 34 165 | 34 179 | 34 171 | 34 131 | 34 183 | |
| Total liabilities | 5 419 828 | 5 424 736 | 5 442 959 | 5 451 215 | 5 442 802 | |
| Liabilities excluding accruals | 5 242 404 | 5 246 672 | 5 259 793 | 5 268 704 | 5 257 196 | |
| Financial net wealth | 12 670 051 | 13 495 481 | 14 059 460 | 13 584 064 | 14 310 385 | |
| Financial net wealth excluding accruals[7] | 6 874 055 | 7 418 401 | 7 631 315 | 7 315 224 | 7 816 724 | |
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
