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

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

Sectors (assets) Counterpart sectors (liabilities) Balance sheets and transactions Periods 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 Closing balance sheet 2023 3rd quarter* 1,483,251 10,524 382,047 287,009 1,685,153 815,345 184,648 679,894
Total domestic sectors The non-financial corporations sector Closing balance sheet 2023 3rd quarter* 0 411 7,698 149,952 430,349 0 91,611 0
Total domestic sectors Financial corporations Closing balance sheet 2023 3rd quarter* 1,398,298 1,808 189,446 112,540 305,040 0 93,037 679,894
Total domestic sectors General government Closing balance sheet 2023 3rd quarter* 84,953 8,305 184,903 12,887 69,495 0 0 0
Total domestic sectors Households including NPISHs Closing balance sheet 2023 3rd quarter* 0 0 0 11,630 880,269 815,345 0 0
Total domestic sectors Rest of the world Closing balance sheet 2023 3rd quarter* 924,504 38,410 799,392 859,910 1,380,652 2,634 612,927 399,526
The non-financial corporations sector Total domestic sectors Closing balance sheet 2023 3rd quarter* 310,639 164 1,857 71,158 122,151 4,400 41,029 1,604
The non-financial corporations sector The non-financial corporations sector Closing balance sheet 2023 3rd quarter* 0 0 0 49,010 81,093 0 32,745 0
The non-financial corporations sector Financial corporations Closing balance sheet 2023 3rd quarter* 310,223 164 1,289 22,148 21,654 0 8,284 1,604
The non-financial corporations sector General government Closing balance sheet 2023 3rd quarter* 416 0 568 0 7,340 0 0 0
The non-financial corporations sector Households including NPISHs Closing balance sheet 2023 3rd quarter* 0 0 0 0 12,064 4,400 0 0
The non-financial corporations sector Rest of the world Closing balance sheet 2023 3rd quarter* 60,709 2,698 5,445 202,271 401,380 8 2,533 4,317
Financial corporations Total domestic sectors Closing balance sheet 2023 3rd quarter* 525,817 9,917 375,449 205,822 1,487,082 804,607 123,862 607,839
Financial corporations The non-financial corporations sector Closing balance sheet 2023 3rd quarter* 0 411 7,228 100,701 338,556 0 46,969 0
Financial corporations Financial corporations Closing balance sheet 2023 3rd quarter* 525,051 1,436 184,993 90,262 281,712 0 76,893 607,839
Financial corporations General government Closing balance sheet 2023 3rd quarter* 766 8,070 183,228 3,233 46,340 0 0 0
Financial corporations Households including NPISHs Closing balance sheet 2023 3rd quarter* 0 0 0 11,626 820,474 804,607 0 0
Financial corporations Rest of the world Closing balance sheet 2023 3rd quarter* 842,256 28,973 787,386 657,639 960,251 2,626 581,853 360,693
General government Total domestic sectors Closing balance sheet 2023 3rd quarter* 99,611 133 677 9,939 63,966 1,309 285 46
General government The non-financial corporations sector Closing balance sheet 2023 3rd quarter* 0 0 60 241 9,166 0 241 0
General government Financial corporations Closing balance sheet 2023 3rd quarter* 15,896 133 503 40 1,582 0 44 46
General government General government Closing balance sheet 2023 3rd quarter* 83,715 0 114 9,654 15,693 0 0 0
General government Households including NPISHs Closing balance sheet 2023 3rd quarter* 0 0 0 4 37,525 1,309 0 0
General government Rest of the world Closing balance sheet 2023 3rd quarter* 971 6,398 3,482 0 19,021 0 284 568
Households including NPISHs Total domestic sectors Closing balance sheet 2023 3rd quarter* 547,184 310 4,064 90 11,954 5,029 19,472 70,405
Households including NPISHs The non-financial corporations sector Closing balance sheet 2023 3rd quarter* 0 0 410 0 1,534 0 11,656 0
Households including NPISHs Financial corporations Closing balance sheet 2023 3rd quarter* 547,128 75 2,661 90 92 0 7,816 70,405
Households including NPISHs General government Closing balance sheet 2023 3rd quarter* 56 235 993 0 122 0 0 0
Households including NPISHs Households including NPISHs Closing balance sheet 2023 3rd quarter* 0 0 0 0 10,206 5,029 0 0
Households including NPISHs Rest of the world Closing balance sheet 2023 3rd quarter* 20,568 341 3,079 0 0 0 28,257 33,948
Rest of the world Total domestic sectors Closing balance sheet 2023 3rd quarter* 745,505 133,722 1,158,647 682,607 699,990 8,008 1,021,616 68,619
Rest of the world The non-financial corporations sector Closing balance sheet 2023 3rd quarter* 0 8,627 154,201 218,011 262,112 0 493,778 0
Rest of the world Financial corporations Closing balance sheet 2023 3rd quarter* 743,989 105,249 859,783 464,414 412,549 0 527,838 68,619
Rest of the world General government Closing balance sheet 2023 3rd quarter* 1,516 19,846 144,663 182 12,550 0 0 0
Rest of the world Households including NPISHs Closing balance sheet 2023 3rd quarter* 0 0 0 0 12,779 8,008 0 0
Rest of the world Rest of the world Closing balance sheet 2023 3rd quarter* 0 0 0 0 0 0 0 0
Source: CBS.
Explanation of symbols

Dataset is not available.


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 figures from 1999 up to and including 2020 are final. Data of 2021, 2022 and 2023 are provisional.

Changes as of December 22nd, 2023:
Data on the third quarter of 2023 have been added in this table.

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.