Household financial transactions, Q4 2024–Q4 2025

Transactions, SEK millions

  2024 2025 2025 2025 2025
  Q4 Q1 Q2 Q3 Q4
ASSETS          
Currency ‑282 ‑964 403 ‑726 360
Deposits ‑1 834 13 635 109 467 ‑5 286 3 518
Bank deposits 2 742 10 742 107 247 ‑6 180 ‑2 639
Capital investments in tax account and national debt savings[1] ‑845 157 272 ‑96 ‑104
Other deposits ‑3 731 2 736 1 948 990 6 261
Bonds 1 845 ‑1 978 ‑150 1 729 ‑1 225
Lottery bonds[2] 0 0 0 0 0
Structured products 1 845 ‑1 978 ‑150 1 729 ‑1 225
Directly owned shares 37 373 31 913 27 852 26 156 33 371
Swedish listed shares ‑1 178 2 305 ‑555 ‑876 2 912
Swedish unlisted shares 32 254 36 010 23 860 21 315 32 373
Foreign listed shares 6 297 ‑6 402 4 547 5 717 ‑1 914
Funds 19 026 ‑1 223 41 656 27 069 22 692
Swedish-registered funds 15 137 3 555 30 378 18 337 17 287
Equity funds 9 801 ‑22 949 725 12 238 1 318
Bond and money market funds ‑406 ‑3 156 727 744 208
Other funds 5 742 29 660 28 926 5 355 15 761
Foreign-registered funds 3 889 ‑4 778 11 278 8 732 5 405
Tenant ownership rights 14 798 10 112 9 060 3 088 7 092
Holiday homes abroad[3] 912 ‑402 ‑402 ‑402 ‑425
Private insurance savings ‑168 33 060 15 683 19 235 ‑3 883
Swedish ‑279 32 935 15 414 19 072 ‑4 040
Non-unit-linked ‑61 29 498 13 984 16 993 ‑3 015
Unit-linked ‑218 3 437 1 430 2 079 ‑1 025
Foreign 111 125 269 163 157
Occupational pensions 55 227 45 488 71 180 44 975 48 981
Non-unit-linked 34 280 27 066 32 568 25 919 27 221
Unit-linked 20 947 18 422 38 612 19 056 21 760
Premium pensions 18 278 15 724 35 755 14 918 16 974
Other insurance technical reserves[4] 816 8 227 ‑479 8 026 ‑5 138
Accruals, assets[5] 20 767 8 329 86 126 ‑4 064 1 436
Other financial assets 816 ‑1 425 813 ‑630 668
Total financial assets 167 574 160 496 396 964 134 088 124 421
Individual financial assets excluding accruals 72 486 82 728 204 382 70 233 62 168
LIABILITIES          
Loans 27 474 29 098 43 406 40 142 38 640
Loans in banks and housing credit institutions 28 040 22 156 39 967 37 710 38 484
Student loans, Government 4 772 6 178 2 158 3 263 5 673
Other loans ‑5 338 764 1 281 ‑831 ‑5 517
Accruals, liabilities[6] 13 334 ‑20 637 ‑1 030 ‑7 576 ‑286
Other liabilities .. .. .. .. ..
Total liabilities 40 808 8 461 42 376 32 566 38 354
Liabilities excluding accruals 27 474 29 098 43 406 40 142 38 640
Financial savings 126 766 152 035 354 588 101 522 86 067
Liquid savings [7] 45 012 53 630 160 976 30 091 23 528

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) Liquid savings 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

More about the results

Source
SCB

Last updated
2026-02-19

Official Statistics of Sweden
Read about Official Statistics of Sweden

Statistics Service

Telephone
+46 10 479 50 00
Opening hours
Weekdays
9:00–12:00, 13:00–16:00

Do you have questions about our statistics?

Statistics Sweden, National Accounts

E-mail
nrinfo@scb.se

Emil Hermansson

Telephone
+46 10 479 42 50

Nicolai Nystrand

Telephone
+46 10 479 45 45

E-mail
sparbarometern@scb.se