Household financial outstanding values, Q4 2024–Q4 2025
Outstanding values, SEK millions
| 2024 | 2025 | 2025 | 2025 | 2025 | |
|---|---|---|---|---|---|
| Q4 | Q1 | Q2 | Q3 | Q4 | |
| ASSETS | |||||
| Currency | 45 511 | 44 547 | 44 950 | 44 224 | 44 632 |
| Deposits | 2 665 119 | 2 678 754 | 2 788 221 | 2 782 935 | 2 786 449 |
| Bank deposits | 2 612 366 | 2 623 108 | 2 730 355 | 2 724 175 | 2 721 532 |
| Capital investments in tax account and national debt savings[1] | 5 862 | 6 019 | 6 291 | 6 195 | 6 091 |
| Other deposits | 46 891 | 49 627 | 51 575 | 52 565 | 58 826 |
| Bonds | 24 616 | 22 532 | 22 471 | 24 260 | 23 116 |
| Lottery bonds[2] | 0 | 0 | 0 | 0 | 0 |
| Structured products | 24 616 | 22 532 | 22 471 | 24 260 | 23 116 |
| Directly owned shares | 3 493 898 | 3 463 559 | 3 535 454 | 3 633 433 | 3 858 635 |
| Swedish listed shares | 1 295 331 | 1 303 886 | 1 343 983 | 1 355 041 | 1 413 490 |
| Swedish unlisted shares | 1 976 002 | 1 958 359 | 1 973 018 | 2 032 293 | 2 189 396 |
| Foreign listed shares | 222 565 | 201 314 | 218 453 | 246 099 | 255 749 |
| Funds | 2 244 366 | 2 206 212 | 2 367 791 | 2 326 772 | 2 402 443 |
| Swedish-registered funds | 1 818 578 | 1 812 856 | 1 959 960 | 1 894 554 | 1 979 369 |
| Equity funds | 1 163 462 | 1 047 827 | 1 094 410 | 1 170 601 | 1 187 650 |
| Bond and money market funds | 71 724 | 70 135 | 75 429 | 78 132 | 80 255 |
| Other funds | 583 392 | 694 894 | 790 121 | 645 821 | 711 464 |
| Foreign-registered funds | 425 788 | 393 356 | 407 831 | 432 218 | 423 074 |
| Tenant ownership rights | 3 688 377 | 3 770 675 | 3 719 491 | 3 750 810 | 3 757 433 |
| Holiday homes abroad[3] | 325 747 | 330 957 | 336 166 | 341 375 | 345 522 |
| Private insurance savings | 1 384 217 | 1 378 693 | 1 420 508 | 1 464 639 | 1 469 723 |
| Swedish | 1 278 797 | 1 273 951 | 1 310 313 | 1 349 765 | 1 354 849 |
| Non-unit-linked | 1 004 272 | 1 013 678 | 1 035 963 | 1 059 927 | 1 058 025 |
| Unit-linked | 274 525 | 260 273 | 274 350 | 289 838 | 296 824 |
| Foreign | 105 420 | 104 742 | 110 195 | 114 874 | 114 874 |
| Occupational pensions | 4 357 800 | 4 254 653 | 4 391 758 | 4 522 822 | 4 597 012 |
| Non-unit-linked | 2 426 679 | 2 428 922 | 2 466 414 | 2 494 952 | 2 522 295 |
| Unit-linked | 1 931 121 | 1 825 731 | 1 925 344 | 2 027 870 | 2 074 717 |
| Premium pensions | 2 813 185 | 2 572 346 | 2 741 029 | 2 880 131 | 2 956 770 |
| Other insurance technical reserves[4] | 183 240 | 191 467 | 190 988 | 199 014 | 194 876 |
| Accruals, assets[5] | 513 273 | 521 602 | 607 728 | 603 664 | 605 100 |
| Other financial assets | 54 849 | 54 092 | 54 887 | 54 346 | 54 299 |
| Total financial assets | 21 794 198 | 21 490 089 | 22 221 442 | 22 628 425 | 23 096 010 |
| Individual financial assets excluding accruals | 13 926 700 | 13 950 021 | 14 289 939 | 14 422 794 | 14 742 252 |
| LIABILITIES | |||||
| Loans | 5 309 887 | 5 337 053 | 5 379 227 | 5 417 211 | 5 452 943 |
| Loans in banks and housing credit institutions | 4 888 549 | 4 909 005 | 4 948 066 | 4 984 113 | 5 020 188 |
| Student loans, Government | 288 807 | 294 985 | 297 143 | 300 406 | 306 079 |
| Other loans | 132 531 | 133 063 | 134 018 | 132 692 | 126 676 |
| Accruals, liabilities[6] | 191 144 | 170 507 | 169 477 | 161 901 | 161 615 |
| Other liabilities | 38 940 | 38 933 | 38 963 | 38 944 | 38 923 |
| Total liabilities | 5 539 971 | 5 546 493 | 5 587 667 | 5 618 056 | 5 653 481 |
| Liabilities excluding accruals | 5 348 827 | 5 375 986 | 5 418 190 | 5 456 155 | 5 491 866 |
| Financial net wealth | 16 254 227 | 15 943 596 | 16 633 775 | 17 010 369 | 17 442 529 |
| Financial net wealth excluding accruals[7] | 8 577 873 | 8 574 035 | 8 871 749 | 8 966 639 | 9 250 386 |
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
