Financial balance sheets and transactions by sectors; National Accounts

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Institutional sectors Not Consolidated or Consolidated Balance sheets and transactions Assets Insurance and pension schemes Total (million euros) Assets Insurance and pension schemes Non-life insurance technical reserves (million euros) Assets Insurance and pension schemes Life insurance and annuity entitlements (million euros) Assets Insurance and pension schemes Provisions for calls under guarantees (million euros) Liabilities Insurance, pension and guarantee schemes Total (million euros) Liabilities Insurance, pension and guarantee schemes Non-life insurance technical reserves (million euros) Liabilities Insurance, pension and guarantee schemes Life insurance and annuity entitlements (million euros) Liabilities Insurance, pension and guarantee schemes Provisions for calls under guarantees (million euros)
Insurance corporations and pension funds Not consolidated Opening balance sheet 7,291 7,215 0 1,737,445 41,981 99,720 146
Financial transactions 409 386 0 6,912 366 -1,080 5
Other changes 139 162 0 80,076 299 2,440 0
Price changes and revaluations 139 162 0 80,076 299 2,440 0
Other volume changes 0 0 0 0 0 0 0
Closing balance sheet 7,839 7,763 0 1,824,433 42,646 101,080 151
Consolidated Opening balance sheet 2,519 2,519 0 1,732,673 37,285 99,720 146
Financial transactions 293 270 0 6,796 250 -1,080 5
Other changes -19 4 0 79,918 141 2,440 0
Price changes and revaluations -19 4 0 79,918 141 2,440 0
Other volume changes 0 0 0 0 0 0 0
Closing balance sheet 2,793 2,793 0 1,819,387 37,676 101,080 151
Insurance corporations Not consolidated Opening balance sheet 4,167 4,091 0 365,142 41,981 99,720 146
Financial transactions 411 411 0 -799 366 -1,080 5
Other changes 3 3 0 9,382 299 2,440 0
Price changes and revaluations 3 3 0 9,382 299 2,440 0
Other volume changes 0 0 0 0 0 0 0
Closing balance sheet 4,581 4,505 0 373,725 42,646 101,080 151
Consolidated Opening balance sheet 2,595 2,519 0 363,570 40,409 99,720 146
Financial transactions 270 270 0 -940 225 -1,080 5
Other changes 4 4 0 9,383 300 2,440 0
Price changes and revaluations 4 4 0 9,383 300 2,440 0
Other volume changes 0 0 0 0 0 0 0
Closing balance sheet 2,869 2,793 0 372,013 40,934 101,080 151
Source: CBS.
Explanation of symbols

Table explanation


This table presents financial transactions, other changes in assets and financial balance sheets of the sectors of the Dutch economy. It enables insight in many financial aspects in the Netherlands. Such as the magnitude of the debt of the government, the mortgage debt of households, the assets of investment funds in shares, the loans lent by financial corporations. Sectors are presented both consolidated and non-consolidated in this table.

Data available from:
Annual figures from 1995.
Quarterly figures from first quarter 1999.

Status of the figures:
The annual figures from 1995 up to and including 2022 are final. Quarterly data from 2022 and further are provisional.

Changes as of December 24th 2024:
Data on the third quarter of 2024 are available.

When will new figures be published?
Annual figures:
The first annual data are published 85 day after the end of the reporting year as the sum of the four quarters of the year. Subsequently provisional data are published 6 months after the end of the reporting year. Final data are released 18 months after the end of the reporting year. Furthermore the financial accounts and stocks are annually revised for all reporting periods. These data are published each year in June.
Quarterly figures: The first quarterly estimate is available 85 days after the end of each reporting quarter. The first quarter may be revised in September, the second quarter in December. Should further quarterly information become available thereafter, the estimates for the first three quarters may be revised in March. If (new) annual figures become available in June, the quarterly figures will be revised again to bring them in line with the annual figures.
Please note that there is a possibility that adjustments might take place at the end of March or September, in order to provide the European Commission with the latest figures.

Description topics

Assets
Insurance and pension schemes
Insurance, pension and standardised guarantee schemes are divided into six subcategories:
- non-life insurance technical reserves
- life insurance and annuity entitlements
- pension entitlements
- claims of pension funds on pension managers
- entitlements to non-pension benefits
- provisions for calls under standardised guarantees
Total
Insurance, pension and standardised guarantee schemes are divided into six subcategories:
- non-life insurance technical reserves
- life insurance and annuity entitlements
- pension entitlements
- claims of pension funds on pension managers
- entitlements to non-pension benefits
- provisions for calls under standardised guarantees
Non-life insurance technical reserves
Non-life insurance technical reserves are financial claims that non-life insurance policy holders have against non-life insurance corporations in respect of unearned premiums and claims incurred.
Life insurance and annuity entitlements
Life insurance and annuity entitlements consist of financial claims that life insurance policy holders and beneficiaries of annuities have against corporations providing life insurance.
Provisions for calls under guarantees
Provisions for calls under standardised guarantees are financial claims that holders of standardised guarantees have against institutional units providing them. Provisions relating to calls under standardised guarantees are prepayments of net fees and provisions to meet outstanding calls under standardised guarantees. Like provisions for prepaid insurance premiums and reserves, provisions for calls under standardised guarantees include unearned fees (premiums) and calls (claims) not yet settled. Standardised guarantees are guarantees that are issued in large numbers, usually for fairly small amounts, along identical lines. Such arrangements involve three parties: the borrower, the lender and the guarantor. Either the borrower or the lender may contract with the guarantor to repay the lender if the borrower defaults. Examples are export credit guarantees and student loan guarantees.
Liabilities
Insurance, pension and guarantee schemes
Insurance, pension and standardised guarantee schemes are divided into six subcategories:
- non-life insurance technical reserves
- life insurance and annuity entitlements
- pension entitlements
- claims of pension funds on pension managers
- entitlements to non-pension benefits
- provisions for calls under standardised guarantees
Total
Insurance, pension and standardised guarantee schemes are divided into six subcategories:
- non-life insurance technical reserves
- life insurance and annuity entitlements
- pension entitlements
- claims of pension funds on pension managers
- entitlements to non-pension benefits
- provisions for calls under standardised guarantees
Non-life insurance technical reserves
Non-life insurance technical reserves are financial claims that non-life insurance policy holders have against non-life insurance corporations in respect of unearned premiums and claims incurred.
Life insurance and annuity entitlements
Life insurance and annuity entitlements consist of financial claims that life insurance policy holders and beneficiaries of annuities have against corporations providing life insurance.
Provisions for calls under guarantees
Provisions for calls under standardised guarantees are financial claims that holders of standardised guarantees have against institutional units providing them. Provisions relating to calls under standardised guarantees are prepayments of net fees and provisions to meet outstanding calls under standardised guarantees. Like provisions for prepaid insurance premiums and reserves, provisions for calls under standardised guarantees include unearned fees (premiums) and calls (claims) not yet settled. Standardised guarantees are guarantees that are issued in large numbers, usually for fairly small amounts, along identical lines. Such arrangements involve three parties: the borrower, the lender and the guarantor. Either the borrower or the lender may contract with the guarantor to repay the lender if the borrower defaults. Examples are export credit guarantees and student loan guarantees.