Financial instruments: From-whom-to-whom matrices; National Accounts

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Sectors (assets) Counterpart sectors (liabilities) Savings, transferable and other deposits (million euros) Short-term securities (million euros) Long-term securities (million euros) Short-term loans (million euros) Long-term loans (million euros) Home mortgages (million euros) Listed shares (million euros) Investment fund shares or units (million euros)
Total domestic sectors Total domestic sectors 1,414,423 10,301 380,656 527,386 2,291,540 873,995 170,162 756,813
The non-financial corporations sector 0 276 10,026 360,275 879,055 0 89,487 0
Financial corporations 1,311,212 1,357 177,483 105,955 353,831 0 80,675 756,813
General government 103,211 8,668 193,137 10,907 71,375 0 0 0
Households including NPISHs 0 0 10 50,249 987,279 873,995 0 0
The non-financial corporations sector Total domestic sectors 316,636 26 24 291,794 534,774 4,410 23,041 13,285
The non-financial corporations sector 0 0 0 263,886 458,057 0 23,041 0
Financial corporations 316,538 26 24 27,344 43,154 0 0 13,285
General government 98 0 0 36 7,342 0 0 0
Households including NPISHs 0 0 0 528 26,221 4,410 0 0
Financial corporations Total domestic sectors 401,740 9,447 376,141 229,581 1,673,997 862,860 120,595 671,811
The non-financial corporations sector 0 276 9,236 96,094 401,137 0 50,602 0
Financial corporations 401,136 1,000 175,447 78,503 308,705 0 69,993 671,811
General government 604 8,171 191,448 5,360 46,998 0 0 0
Households including NPISHs 0 0 10 49,624 917,157 862,860 0 0
General government Total domestic sectors 111,802 115 2,022 5,922 70,315 1,345 31 134
The non-financial corporations sector 0 0 623 295 18,327 0 31 0
Financial corporations 9,321 115 886 108 1,745 0 0 134
General government 102,481 0 513 5,511 16,910 0 0 0
Households including NPISHs 0 0 0 8 33,333 1,345 0 0
Households including NPISHs Total domestic sectors 584,245 713 2,469 89 12,454 5,380 26,495 71,583
The non-financial corporations sector 0 0 167 0 1,534 0 15,813 0
Financial corporations 584,217 216 1,126 0 227 0 10,682 71,583
General government 28 497 1,176 0 125 0 0 0
Households including NPISHs 0 0 0 89 10,568 5,380 0 0
Source: CBS.
Explanation of symbols

Table explanation


This table presents the from-whom-to-whom matrices of several important financial instruments. The matrices provide information on the debtor/creditor relationships between sectors. The matrices provide a three dimensional overview on financial transactions, price changes and revaluations, other volume changes and balance sheets and the sectors and financial instruments involved. The sector on the assets side is the creditor, the sector on the liabilities side the debtor. The sectors non-financial corporations, financial corporations, general government, households including non-profit institutions serving households (NPISH) and the rest of the world are shown in this table. The sectors financial corporations and general government are broken down into subsectors.

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

Status of the figures:
The annual figures from 1999 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.

Description topics

Savings, transferable and other deposits
Transferable deposits are deposits exchangeable for currency on demand, at par, and which are directly usable for making payments by cheque, draft, giro order, direct debit/credit, or other direct payment facilities, without penalty or restriction.
Savings deposits and other deposits are all the savings of individuals and deposits (in euros and foreign currency) at any resident and non-resident bank, which are not immediately transferable without restrictions.
Short-term securities
All securities with a maximum term of one year, which in principle are transferable against a price that has been fixed in advance. Usually, the obliged interest payments of the debtor have been discounted in the value. 'Transferable' means that assets can be converted into cash from, or on a date that has been appointed at the moment the bond was issued.
This transaction covers treasury paper issued by both the Dutch government and foreign governments, saving certificates to bearer and transferable certificates of deposits, issued by banks.
Long-term securities
All transferable securities, which generally do not mature within one year. They are usually quoted at the stock exchange. The interest on long-term bonds is made payable through coupons. Mortgage bonds, notes issued by banks and convertible bonds as long as they have not been converted into shares, also belong to this type of assets.
Short-term loans
Short-term loans are all credits, which do not have the characteristics of deposits and which mature by contract within one year. Included are short-term loans from financial institutions, balances on current accounts (except transferable deposits), short-term consumer credit, bills (of exchange) and promissory notes.
Long-term loans
Long-term loans are all credits, which do not have the characteristics of deposits and which do not mature within one year. They mainly concern long-term loans on obligations, mortgage loans and long-term consumer credit.
Home mortgages
Home mortgages are long-term loans with as collateral the property itself which is occupied by the private person.
Listed shares
Listed shares are equity securities listed on an exchange. Such an exchange may be a recognised stock exchange or any other form of secondary market. Listed shares are also referred to as quoted shares. The existence of quoted prices of shares listed on an exchange means that current market prices are usually readily available.
Investment fund shares or units
Investment fund shares are shares of an investment fund if the fund has a corporate structure. They are known as units if the fund is a trust. Investment funds are collective investment undertakings through which investors pool funds for investment in financial and/or non-financial assets.