Savings Barometer, Third quarter 2025
Households increase their liquid savings
Statistical news from Statistics Sweden 2025-11-20 8.00
Household liquid savings amounted to SEK 35 billion at the end of the third quarter of 2023. This is SEK 18 billion higher compared to the same quarter last year. At the same time, the annual growth rate of household loans was 2.5 percent.
At the end of the quarter, household savings in liquid assets amounted to SEK 76 billion. At the same time, loans increased by SEK 41 billion. The liquid savings thus amounted to SEK 35 billion.
Household saving in shares, funds and deposits
At the end of the quarter, households net purchased listed shares for SEK 5 billion and funds to a value of SEK 26 billion.
Housholds' net withdrawals from bank accounts amounted to SEK 6 billion, which can be compared with the same quarter last year when net withdrawals amounted to SEK 16 billion.
Liquid savings, components and total
Household loans and annual growth rate
At the end of the quarter, household total loans amounted to SEK 5.418 billion, giving an annual growth rate of 2.5 percent.
Household net borrowing during the quarter amounted to SEK 41 billion. This is an increase of SEK 20 billion compared to the same quarter last year.
Household net borrowing and annual growth rate
Definitions and explanations
Liquid savings are calculated as the difference between transactions in financial assets and liabilities excluding accruals (tax accruals, occupational pensions, and other insurance technical reserves). The statistics are presented at current prices and do not take inflation into account.
In the Savings Barometer, household liquid savings are a key measure of household savings in financial assets because it reflects household financial decisions in the short term. Liquid savings include currency, deposits, bonds, directly owned shares, funds, private insurance savings and other financial assets. In addition to this, tenant ownership rights and holiday homes abroad are also included. These instruments are usually not considered liquid but are included to be able to deduct liabilities from savings.
In addition to loans from banks and housing institutions, household total loans also include student loans and other loans (which are loans to financial corporations that are not classified as banks or housing institutions). Household net borrowing is calculated as the difference between new loans and amortization.
Household ownership of tenant-owned apartments is a financial asset and is included in the Savings Barometer. However, single-family homes with ownership rights are not included as it is a real asset. Information on household total assets in dwellings can be found in the publication National wealth.
No major revisions or methodological changes are published in the Savings Barometer. These are instead published in the Financial Accounts where more time for calculations and reconciliations with other sectors is available and revision documentation is published. However, minor revisions may occur because of, for example, revised primary statistics.
In connection with the Savings Barometer publication the time series will be updated with the revisions introduced in the Financial Accounts latest release. Thus, there are discrepancies between the Financial Accounts and the Savings Barometer with regard to accruals. More detaild descriptions of major revisions are described in the news from the Financial Accounts statistics:
Financial accounts, quarterly and annual