Income, consumption, wealth of households: key figures; NA, 2005-2014

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Income, consumption, wealth of households: key figures; NA, 2005-2014
Characteristics of households Periods Total amount Income Gross operating surplus (mln euro) Total amount Income Gross mixed income (mln euro) Total amount Income Compensation of employees (mln euro) Total amount Income Gross disposable income (mln euro) Total amount Income Social transfers in kind (mln euro) Total amount Income Gross adjusted disposable income (mln euro) Total amount Expenditure Final consumption expenditure (mln euro) Total amount Expenditure Actual individual consumption (mln euro) Total amount Wealth Net worth (mln euro) Total amount Wealth Assets Total (mln euro) Total amount Wealth Assets Pension entitlements and claims (mln euro) Total amount Wealth Assets Other assets (mln euro) Total amount Wealth Liabilities Total (mln euro) Total amount Wealth Liabilities Home mortgages; closing balance (mln euro) Total amount Wealth Liabilities Other liabilities (mln euro) Total amount Wealth Non-financial assets Total (mln euro) Total amount Wealth Non-financial assets Other non-financial assets (mln euro)
Total 2014 4,732 55,878 323,285 318,137 120,589 438,726 291,027 411,616 2,739,984 2,106,981 1,237,680 869,301 819,409 649,931 169,478 1,452,412 192,454
Stand. disposable income: 1st 20%-group 2014 256 1,812 10,086 25,460 22,167 47,627 36,806 58,973 149,187 112,942 35,253 77,688 66,968 41,978 24,989 103,213 11,691
Stand. disposable income: 2nd 20%-group 2014 386 3,192 24,222 40,641 27,259 67,900 45,540 72,798 250,738 193,352 110,145 83,206 71,793 60,563 11,230 129,179 6,905
Stand. disposable income: 3rd 20%-group 2014 785 5,805 52,455 56,580 24,338 80,917 54,517 78,854 416,084 318,812 206,754 112,058 134,553 117,344 17,209 231,825 14,646
Stand. disposable income: 4th 20%-group 2014 1,215 10,107 85,905 74,407 23,928 98,334 67,173 91,101 623,924 477,494 321,632 155,861 193,870 168,883 24,987 340,301 30,738
Stand. disposable income: 5th 20%-group 2014 2,091 34,962 150,616 121,049 22,899 143,947 86,991 109,890 1,300,051 1,004,382 563,895 440,487 352,226 261,163 91,063 647,894 128,474
Single person household: male 2014 378 4,674 32,029 28,974 8,613 37,587 31,201 39,814 282,603 231,957 128,257 103,699 80,542 59,999 20,543 131,188 15,363
Single person household: female 2014 357 1,786 19,391 32,907 17,213 50,120 35,729 52,942 252,969 187,997 69,480 118,516 49,658 37,295 12,362 114,630 3,717
Single-parent household 2014 203 2,164 16,040 19,431 10,476 29,907 17,705 28,181 86,467 71,673 36,451 35,222 46,185 31,343 14,841 60,978 5,598
Couple with children household 2014 1,993 30,448 161,669 127,248 47,383 174,630 102,053 149,435 748,582 540,436 298,695 241,741 386,087 327,174 58,913 594,233 101,446
Couple without children household 2014 1,738 14,836 86,076 97,647 28,690 126,337 91,253 119,943 1,263,695 988,305 655,028 333,277 235,819 179,155 56,664 511,209 55,839
Multi-person household, n.e.c. 2014 62 1,970 8,081 11,930 8,214 20,145 . . 105,668 86,614 49,769 36,846 21,119 14,964 6,155 40,173 10,490
Income from own enterprise 2014 987 49,374 33,856 70,431 16,036 86,467 44,527 60,562 698,313 422,027 182,655 239,372 197,204 132,587 64,617 473,490 192,109
Income from labour 2014 2,599 4,864 282,237 167,074 54,178 221,252 157,495 211,673 959,887 821,127 495,708 325,418 512,648 439,216 73,432 651,408 313
Income from old-age/survivors pens 2014 1,036 1,265 3,924 55,921 38,366 94,287 67,835 106,201 984,757 776,624 505,161 271,464 86,371 61,460 24,911 294,503 15
Income from other transfer income 2014 110 375 3,268 24,710 12,009 36,720 . . 97,027 87,203 54,157 33,047 23,186 16,668 6,518 33,010 17
Main earner to 35 years 2014 454 6,154 58,024 46,773 15,709 62,482 43,939 59,648 163,299 163,508 111,408 52,100 118,465 96,187 22,278 118,255 10,912
Main earner 35 to 50 years 2014 1,538 23,272 133,662 104,187 36,696 140,882 86,830 123,525 470,412 354,451 172,844 181,607 330,860 290,268 40,592 446,821 61,067
Main earner 50 to 65 years 2014 1,615 20,760 124,179 103,555 28,270 131,824 90,897 119,167 983,721 726,458 427,773 298,685 261,629 196,817 64,812 518,891 86,041
Main earner: 65 years or older 2014 1,125 5,693 7,420 63,623 39,914 103,538 69,361 109,276 1,122,553 862,564 525,654 336,910 108,456 66,659 41,797 368,445 34,434
Living costs: Owner-occupied home 2014 4,618 47,869 259,088 230,620 70,969 301,589 198,650 269,619 2,295,463 1,654,318 942,261 712,057 781,219 640,556 140,663 1,422,364 180,770
Living costs: Rent with rent subsidy 2014 9 1,464 6,741 23,950 20,834 44,783 26,179 47,012 75,446 81,618 57,533 24,085 8,030 1,378 6,652 1,857 527
Living costs: Rent without rent subsidy 2014 106 6,544 57,455 63,567 28,787 92,354 66,198 94,985 369,075 371,045 237,886 133,159 30,160 7,997 22,163 28,191 11,157
Source: CBS.
Explanation of symbols

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This table describes the distribution of income, consumption, and wealth components of the sector households in the national accounts over different household groups. Households are identified by main source of income, living situation, household composition, age classes of the head of the household, income class by 20% groups.

Data available from: 2005 up to and including 2014.

Status of the figures:
The figures of 2005-2014 are final.

Changes as of June 22nd 2018:
None. This table has been discontinued.
Statistics Netherlands has carried out a revision of the national accounts. New statistical sources and estimation methods have been used during the revision. Therefore this table has been replaced by table Income, consumption, wealth of households: key figures; National Accounts. For further information see section 3.

When will new figures be published?
Not applicable anymore.

Description topics

Total amount
Income
Receipts from production, wages, social transfers, and property income. Compensation of employees are the wages received for labour, including the social contributions paid for by the employers. Gross operating surplus, gross mixed income and gross disposable income are balancing items. Social transfers in kind are also included, together with disposable income, this leads to the balancing item adjusted disposable income.
Gross operating surplus
The surplus that remains after compensation of employees and taxes less subsidies on production and imports have been subtracted from the sum of value added at basic prices. For the self-employed (who are part of the sector households) the surplus is called mixed income, because it is partly a reward for their entrepreneurship compensation of labour.
The operating surplus of households equals housing services produced for own consumption by owner-occupiers.

In the system of national accounts gross means that consumption of fixed capital (depreciation) has not been subtracted. When it has, net is used.

Gross mixed income
Mixed income is for households mainly equal to the income earned by sole proprietors and other entrepreneurs personally liable for all gains and losses from their activities. The income earned has both an element of wage income as well as profit since the entrepreneur is both rewarded for the provided labour input as well as the undertaken risks. Included in mixed income are rentals received from letting real estate and income earned from black and illegal activities.
In the system of national accounts gross means that consumption of fixed capital (depreciation) has not been subtracted. When it has, net is used.
Compensation of employees
The compensation of employees is the total remuneration, in cash or in kind, payable by an employer to an employee in return for work done by the latter during an accounting period. The compensation of employees is equal to the sum of wages and salaries and employers' social contributions.
Gross disposable income
The sum of the gross disposable incomes of the institutional sectors. Gross national disposable income equals gross national income (at market prices) minus current transfers (current taxes on income, wealth et cetera, social contributions, social benefits and other current transfers) paid to non-resident units, plus current transfers received by resident units from the rest of the world. Because disposable national income is not a production concept but an income concept, it is usually expressed in net terms, i.e. after deduction of depreciation (consumption of fixed capital).
Social transfers in kind
Social transfers in kind consist of individual goods and services provided for free or at prices that are not economically significant to individual households by government units and NPISHs, whether purchased on the market or produced as non-market output by government units or NPISHs. They are financed out of taxation, other government income or social security contributions, or out of donations and property income in the case of NPISHs.
Gross adjusted disposable income
Adjusted disposable income is equal to disposable income of households including any income transfers in kind provided to households free of charge by general government or NPISH. This variable facilitates comparisons over time and across countries when there are differences or changes in economic and social conditions.

In the system of national accounts gross means that consumption of fixed capital (depreciation) has not been subtracted. When it has, net is used.
Expenditure
Expenditures on goods and services that are used for the direct satisfaction of individual needs. This includes the social transfers in kind, which together with the individual expenditures result in actual individual final consumption.
Final consumption expenditure
Expenditure on goods or services that are used for the direct satisfaction of individual or collective needs. Expenses may be made at home or abroad, but they are always made by resident institutional units, that are households or institutions residing in the Netherlands. By definition only households, non-profit institutions serving households (NPISHs) and government institutions consume. Enterprises do not: expenses they make on goods and services are thought to serve production and are therefore classified as intermediate consumption of fixed capital formation. The general government is a special case. The government also has intermediate consumption, just like enterprises. But the output delivered by the government which is not directly paid for, non-market output (like safety), is classified as consumption by the general government. It is said that the government ‘consumes its own production’. The system of national accounts demands that all that is produced is also consumed (or serves as an investment). By convention, government output is consumed by the government itself. This is not the only consumption by the general government. It also contains social transfers in kind. In the Netherlands this mainly concerns health care bills paid for by the government and an allowance for the rent.
Actual individual consumption
Actual individual consumption of households equals social transfers in kind plus final consumption expenditure.
Wealth
Wealth components are assets, liabilities, and non-financial assets. The sum of these components equals net worth. Up to and including 2010 these data concern the households sector including the non-profit institutions serving households. From 2011 onwards these NPISH are no longer included.
Net worth
Net worth equals the financial assets minus the liabilities plus the non-financial assets. Up to and including 2010 these data concern the households sector including the non-profit institutions serving households. From 2011 onwards these non-profit institutions serving households are no longer included for assets and liabilities, but still included in non-financial assets.
Assets
Assets are possessions of households. Up to and including 2010 these data concern the households sector including the non-profit institutions serving households. From 2011 onwards these NPISH are no longer included.
Total
Pension entitlements and claims
Pension entitlements and claims of pension funds on pension managers and entitlements to non-pension benefits
Pension entitlements comprise financial claims that current employees and former employees hold against either:
- their employers;
- a scheme designated by the employer to pay pensions as part of a compensation agreement between the employer and the employee
- an insurer.

Claims of pension funds on pension managers and entitlements to non-pension benefits
For the Netherlands this category only relates to claims of pension funds on pension managers, entitlements to non-pension benefits don’t occur here.
An employer may contract with a third party to look after the pension funds for his employees. If the employer continues to determine the terms of the pension schemes and retains the responsibility for any deficit in funding as well as the right to retain any excess funding, the employer is described as the pension manager and the unit working under the direction of the pension manger is described as the pension administrator. If the agreement between the employer and the third party is such that the employer passes the risks and responsibilities for any deficit in funding to the third part in return for the right of the third party to retain any excess, the third party becomes the pension manager as well as the administrator.
Other assets
Other assets are possessions of households excluding pension entitlements. Up to and including 2010, these data relate to households including non-profit institutions serving households. From 2011 onwards, these non-profit institutions serving households are no longer included.
Liabilities
Liabilities are debts of households. Up to and including 2010 these data concern the households sector including the non-profit institutions serving households. From 2011 onwards these NPISH are no longer included.
Total
Home mortgages; closing balance
Total of the home mortgages at the end of the period. These are long-term loans with as collateral the property itself which is occupied by the private person.

Other liabilities
Other liabilities are debts, excluding home mortgages. Up to and including 2010, these data relate to households including non-profit institutions serving households. From 2011 onwards, these non-profit institutions serving households are no longer included.
Non-financial assets
Non-financial assets are objects which represent an economic value, on which property rights can be exerted and which do not have a financial character. In practice, this includes approximately all (non-financial) objects which can be sold. Examples of objects which cannot be sold are the sea and the air. Examples of assets which have a financial character are stocks and pensions. Non-financial assets consist of fixed assets, inventories, land and oil, gas reserves and consumer durables. The data relate to households including non-profit institutions serving households.




Total
Other non-financial assets
Other non-financial assets are the total of non-financial assets excluding dwellings, land underlying dwellings and costs of ownership transfers on land underlying dwellings.
The data relate to households including non-profit institutions serving households.