Household financial outstanding values, Q3 2024–Q3 2025
Outstanding values, SEK millions
| 2024 | 2024 | 2025 | 2025 | 2025 | |
|---|---|---|---|---|---|
| Q3 | Q4 | Q1 | Q2 | Q3 | |
| ASSETS | |||||
| Currency | 45 792 | 45 511 | 44 547 | 44 950 | 44 343 |
| Deposits | 2 666 953 | 2 665 124 | 2 678 745 | 2 788 202 | 2 782 886 |
| Bank deposits | 2 609 624 | 2 601 510 | 2 612 412 | 2 719 843 | 2 724 175 |
| Capital investments in tax account and national debt savings[1] | 6 707 | 5 862 | 6 019 | 6 291 | 6 146 |
| Other deposits | 50 622 | 57 752 | 60 314 | 62 068 | 52 565 |
| Bonds | 21 302 | 23 178 | 21 128 | 20 889 | 22 499 |
| Lottery bonds[2] | 0 | 0 | 0 | 0 | 0 |
| Structured products | 21 302 | 23 178 | 21 128 | 20 889 | 22 499 |
| Directly owned shares | 3 699 808 | 3 493 898 | 3 463 559 | 3 535 394 | 3 660 122 |
| Swedish listed shares | 1 390 704 | 1 295 331 | 1 303 886 | 1 343 923 | 1 355 040 |
| Swedish unlisted shares | 2 094 924 | 1 976 002 | 1 958 359 | 1 973 018 | 2 058 983 |
| Foreign listed shares | 214 180 | 222 565 | 201 314 | 218 453 | 246 099 |
| Funds | 2 215 652 | 2 244 405 | 2 202 919 | 2 368 747 | 2 862 516 |
| Swedish-registered funds | 1 807 116 | 1 818 618 | 1 812 895 | 1 959 328 | 2 446 191 |
| Equity funds | 1 132 787 | 1 163 462 | 1 047 827 | 1 094 410 | 1 426 867 |
| Bond and money market funds | 67 063 | 71 724 | 70 135 | 75 429 | 78 132 |
| Other funds | 607 266 | 583 432 | 694 933 | 789 489 | 941 192 |
| Foreign-registered funds | 408 536 | 425 787 | 390 024 | 409 419 | 416 325 |
| Tenant ownership rights | 3 686 634 | 3 688 213 | 3 767 898 | 3 714 844 | 3 745 567 |
| Holiday homes abroad[3] | 319 863 | 325 747 | 327 329 | 328 911 | 341 375 |
| Private insurance savings | 1 379 337 | 1 392 258 | 1 378 612 | 1 420 159 | 1 421 526 |
| Swedish | 1 273 542 | 1 286 838 | 1 273 870 | 1 309 964 | 1 311 153 |
| Non-unit-linked | 1 005 153 | 1 012 313 | 1 013 522 | 1 035 543 | 1 036 482 |
| Unit-linked | 268 389 | 274 525 | 260 348 | 274 421 | 274 671 |
| Foreign | 105 795 | 105 420 | 104 742 | 110 195 | 110 373 |
| Occupational pensions | 4 323 899 | 4 414 704 | 4 312 035 | 4 449 323 | 4 344 694 |
| Non-unit-linked | 2 467 927 | 2 483 583 | 2 485 957 | 2 523 652 | 2 481 113 |
| Unit-linked | 1 855 972 | 1 931 121 | 1 826 078 | 1 925 671 | 1 863 581 |
| Premium pensions | 2 681 428 | 2 813 185 | 2 572 346 | 2 741 029 | 2 880 040 |
| Other insurance technical reserves[4] | 190 535 | 187 570 | 200 149 | 198 558 | 211 689 |
| Accruals, assets[5] | 491 997 | 512 677 | 506 096 | 435 409 | 434 336 |
| Other financial assets | 53 889 | 54 717 | 53 392 | 54 313 | 53 696 |
| Total financial assets | 21 777 089 | 21 861 187 | 21 528 755 | 22 100 728 | 22 805 289 |
| Individual financial assets excluding accruals | 14 089 230 | 13 933 051 | 13 938 129 | 14 276 409 | 14 934 530 |
| LIABILITIES | |||||
| Loans | 5 284 064 | 5 310 866 | 5 337 980 | 5 380 271 | 5 418 046 |
| Loans in banks and housing credit institutions | 4 862 541 | 4 884 905 | 4 904 312 | 4 943 133 | 4 984 113 |
| Student loans, Government | 284 035 | 288 807 | 294 985 | 297 143 | 301 262 |
| Other loans | 137 488 | 137 154 | 138 683 | 139 995 | 132 671 |
| Accruals, liabilities[6] | 177 871 | 191 192 | 170 954 | 170 483 | 170 502 |
| Other liabilities | 38 999 | 38 940 | 38 933 | 38 963 | 38 944 |
| Total liabilities | 5 500 934 | 5 540 998 | 5 547 867 | 5 589 717 | 5 627 492 |
| Liabilities excluding accruals | 5 323 063 | 5 349 806 | 5 376 913 | 5 419 234 | 5 456 990 |
| Financial net wealth | 16 276 155 | 16 320 189 | 15 980 888 | 16 511 011 | 17 177 797 |
| Financial net wealth excluding accruals[7] | 8 766 167 | 8 583 245 | 8 561 216 | 8 857 175 | 9 477 540 |
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 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
