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 Opening balance sheet 2020* 1,044,200 4,738 426,378 406,349 1,538,039 727,933 156,003 914,514
Total domestic sectors Total domestic sectors Financial transactions 2020* 328,571 21,455 14,227 -24,564 25,974 13,941 9,105 25,344
Total domestic sectors Total domestic sectors Other changes 2020* -2,927 2 5,518 -5,833 -2,990 -37 12,183 13,475
Total domestic sectors Total domestic sectors Price changes and revaluations 2020* -2,927 2 5,518 -5,436 -2,550 -5 12,183 13,475
Total domestic sectors Total domestic sectors Other volume changes 2020* 0 0 0 -397 -440 -32 0 0
Total domestic sectors Total domestic sectors Closing balance sheet 2020* 1,369,844 26,195 446,123 375,952 1,561,023 741,837 177,291 953,333
Total domestic sectors The non-financial corporations sector Opening balance sheet 2020* 0 269 7,547 175,543 440,920 0 99,623 0
Total domestic sectors The non-financial corporations sector Financial transactions 2020* 0 -108 1,014 -9,466 11,462 0 -5,001 0
Total domestic sectors The non-financial corporations sector Other changes 2020* 0 17 266 -1,204 -884 0 3,418 0
Total domestic sectors The non-financial corporations sector Price changes and revaluations 2020* 0 17 266 -1,000 -534 0 3,418 0
Total domestic sectors The non-financial corporations sector Other volume changes 2020* 0 0 0 -204 -350 0 0 0
Total domestic sectors The non-financial corporations sector Closing balance sheet 2020* 0 178 8,827 164,873 451,498 0 98,040 0
Total domestic sectors Financial corporations Opening balance sheet 2020* 1,001,031 1,388 208,877 179,615 235,401 0 56,380 914,514
Total domestic sectors Financial corporations Financial transactions 2020* 322,496 214 1,677 -9,735 -1,956 0 14,106 25,344
Total domestic sectors Financial corporations Other changes 2020* -2,927 2 176 -4,437 -2,058 0 8,765 13,475
Total domestic sectors Financial corporations Price changes and revaluations 2020* -2,927 2 176 -4,434 -2,011 0 8,765 13,475
Total domestic sectors Financial corporations Other volume changes 2020* 0 0 0 -3 -47 0 0 0
Total domestic sectors Financial corporations Closing balance sheet 2020* 1,320,600 1,604 210,730 165,443 231,387 0 79,251 953,333
Total domestic sectors Monetary financial institutions Opening balance sheet 2020* 1,001,031 757 47,921 0 132,002 0 11,528 3,144
Total domestic sectors Monetary financial institutions Financial transactions 2020* 322,496 173 6,811 0 -1,009 0 -2,237 -596
Total domestic sectors Monetary financial institutions Other changes 2020* -2,927 2 532 0 -1,749 0 5,829 -42
Total domestic sectors Monetary financial institutions Price changes and revaluations 2020* -2,927 2 532 0 -1,749 0 5,829 -42
Total domestic sectors Monetary financial institutions Other volume changes 2020* 0 0 0 0 0 0 0 0
Total domestic sectors Monetary financial institutions Closing balance sheet 2020* 1,320,600 932 55,264 0 129,244 0 15,120 2,506
Total domestic sectors Other financial institutions Opening balance sheet 2020* 0 631 160,865 134,644 92,328 0 44,852 911,370
Total domestic sectors Other financial institutions Financial transactions 2020* 0 41 -5,128 -17,466 -383 0 16,343 25,940
Total domestic sectors Other financial institutions Other changes 2020* 0 0 -352 -2,681 -318 0 2,936 13,517
Total domestic sectors Other financial institutions Price changes and revaluations 2020* 0 0 -352 -2,678 -271 0 2,936 13,517
Total domestic sectors Other financial institutions Other volume changes 2020* 0 0 0 -3 -47 0 0 0
Total domestic sectors Other financial institutions Closing balance sheet 2020* 0 672 155,385 114,497 91,627 0 64,131 950,827
Total domestic sectors Non-MMF investment funds Opening balance sheet 2020* 0 0 1 4,647 7,768 0 0 911,370
Total domestic sectors Non-MMF investment funds Financial transactions 2020* 0 0 0 -778 -707 0 0 25,940
Total domestic sectors Non-MMF investment funds Other changes 2020* 0 0 0 -71 -9 0 0 13,517
Total domestic sectors Non-MMF investment funds Price changes and revaluations 2020* 0 0 0 -71 -9 0 0 13,517
Total domestic sectors Non-MMF investment funds Other volume changes 2020* 0 0 0 0 0 0 0 0
Total domestic sectors Non-MMF investment funds Closing balance sheet 2020* 0 0 1 3,798 7,052 0 0 950,827
Total domestic sectors Other fin. inst. excl. investment funds Opening balance sheet 2020* 0 631 160,864 129,997 84,560 0 44,852 0
Total domestic sectors Other fin. inst. excl. investment funds Financial transactions 2020* 0 41 -5,128 -16,688 324 0 16,343 0
Total domestic sectors Other fin. inst. excl. investment funds Other changes 2020* 0 0 -352 -2,610 -309 0 2,936 0
Total domestic sectors Other fin. inst. excl. investment funds Price changes and revaluations 2020* 0 0 -352 -2,607 -262 0 2,936 0
Total domestic sectors Other fin. inst. excl. investment funds Other volume changes 2020* 0 0 0 -3 -47 0 0 0
Total domestic sectors Other fin. inst. excl. investment funds Closing balance sheet 2020* 0 672 155,384 110,699 84,575 0 64,131 0
Total domestic sectors Insurance corporations and pension funds Opening balance sheet 2020* 0 0 91 44,971 11,071 0 0 0
Total domestic sectors Insurance corporations and pension funds Financial transactions 2020* 0 0 -6 7,731 -564 0 0 0
Total domestic sectors Insurance corporations and pension funds Other changes 2020* 0 0 -4 -1,756 9 0 0 0
Total domestic sectors Insurance corporations and pension funds Price changes and revaluations 2020* 0 0 -4 -1,756 9 0 0 0
Total domestic sectors Insurance corporations and pension funds Other volume changes 2020* 0 0 0 0 0 0 0 0
Total domestic sectors Insurance corporations and pension funds Closing balance sheet 2020* 0 0 81 50,946 10,516 0 0 0
Total domestic sectors Insurance corporations Opening balance sheet 2020* 0 0 91 4,351 10,430 0 0 0
Total domestic sectors Insurance corporations Financial transactions 2020* 0 0 -6 3,215 -580 0 0 0
Total domestic sectors Insurance corporations Other changes 2020* 0 0 -4 3 9 0 0 0
Total domestic sectors Insurance corporations Price changes and revaluations 2020* 0 0 -4 3 9 0 0 0
Total domestic sectors Insurance corporations Other volume changes 2020* 0 0 0 0 0 0 0 0
Total domestic sectors Insurance corporations Closing balance sheet 2020* 0 0 81 7,569 9,859 0 0 0
Total domestic sectors Pension funds Opening balance sheet 2020* 0 0 0 40,620 641 0 0 0
Total domestic sectors Pension funds Financial transactions 2020* 0 0 0 4,516 16 0 0 0
Total domestic sectors Pension funds Other changes 2020* 0 0 0 -1,759 0 0 0 0
Total domestic sectors Pension funds Price changes and revaluations 2020* 0 0 0 -1,759 0 0 0 0
Total domestic sectors Pension funds Other volume changes 2020* 0 0 0 0 0 0 0 0
Total domestic sectors Pension funds Closing balance sheet 2020* 0 0 0 43,377 657 0 0 0
Total domestic sectors General government Opening balance sheet 2020* 43,169 3,081 209,954 34,961 65,335 0 0 0
Total domestic sectors General government Financial transactions 2020* 6,075 21,349 11,536 -3,530 1,063 0 0 0
Total domestic sectors General government Other changes 2020* 0 -17 5,076 0 0 0 0 0
Total domestic sectors General government Price changes and revaluations 2020* 0 -17 5,076 0 0 0 0 0
Total domestic sectors General government Other volume changes 2020* 0 0 0 0 0 0 0 0
Total domestic sectors General government Closing balance sheet 2020* 49,244 24,413 226,566 31,431 66,398 0 0 0
Total domestic sectors Central government Opening balance sheet 2020* 43,169 3,081 206,498 3,094 12,379 0 0 0
Total domestic sectors Central government Financial transactions 2020* 6,075 21,349 11,517 -746 324 0 0 0
Total domestic sectors Central government Other changes 2020* 0 -17 5,060 0 0 0 0 0
Total domestic sectors Central government Price changes and revaluations 2020* 0 -17 5,060 0 0 0 0 0
Total domestic sectors Central government Other volume changes 2020* 0 0 0 0 0 0 0 0
Total domestic sectors Central government Closing balance sheet 2020* 49,244 24,413 223,075 2,348 12,703 0 0 0
Total domestic sectors Local government Opening balance sheet 2020* 0 0 3,456 5,939 52,937 0 0 0
Total domestic sectors Local government Financial transactions 2020* 0 0 19 -1,649 735 0 0 0
Total domestic sectors Local government Other changes 2020* 0 0 16 0 0 0 0 0
Total domestic sectors Local government Price changes and revaluations 2020* 0 0 16 0 0 0 0 0
Total domestic sectors Local government Other volume changes 2020* 0 0 0 0 0 0 0 0
Total domestic sectors Local government Closing balance sheet 2020* 0 0 3,491 4,290 53,672 0 0 0
Total domestic sectors Social security funds Opening balance sheet 2020* 0 0 0 25,928 19 0 0 0
Total domestic sectors Social security funds Financial transactions 2020* 0 0 0 -1,135 4 0 0 0
Total domestic sectors Social security funds Other changes 2020* 0 0 0 0 0 0 0 0
Total domestic sectors Social security funds Price changes and revaluations 2020* 0 0 0 0 0 0 0 0
Total domestic sectors Social security funds Other volume changes 2020* 0 0 0 0 0 0 0 0
Total domestic sectors Social security funds Closing balance sheet 2020* 0 0 0 24,793 23 0 0 0
Total domestic sectors Households including NPISHs Opening balance sheet 2020* 0 0 0 16,230 796,383 727,933 0 0
Total domestic sectors Households including NPISHs Financial transactions 2020* 0 0 0 -1,833 15,405 13,941 0 0
Total domestic sectors Households including NPISHs Other changes 2020* 0 0 0 -192 -48 -37 0 0
Total domestic sectors Households including NPISHs Price changes and revaluations 2020* 0 0 0 -2 -5 -5 0 0
Total domestic sectors Households including NPISHs Other volume changes 2020* 0 0 0 -190 -43 -32 0 0
Total domestic sectors Households including NPISHs Closing balance sheet 2020* 0 0 0 14,205 811,740 741,837 0 0
Total domestic sectors Rest of the world Opening balance sheet 2020* 606,025 41,503 910,268 803,613 1,408,754 3,168 610,768 326,181
Total domestic sectors Rest of the world Financial transactions 2020* 15,837 12,140 16,640 -6,701 -21,945 -219 19,462 5,498
Total domestic sectors Rest of the world Other changes 2020* -16,955 -11 9,838 -13,021 -23,296 -26 23,669 3,545
Total domestic sectors Rest of the world Price changes and revaluations 2020* -16,954 -11 9,653 -12,962 -20,434 -26 23,669 3,616
Total domestic sectors Rest of the world Other volume changes 2020* -1 0 185 -59 -2,862 0 0 -71
Total domestic sectors Rest of the world Closing balance sheet 2020* 604,907 53,632 936,746 783,891 1,363,513 2,923 653,899 335,224
The non-financial corporations sector Total domestic sectors Opening balance sheet 2020* 283,716 266 5,233 99,366 105,266 2,614 50,986 837
The non-financial corporations sector Total domestic sectors Financial transactions 2020* 26,604 33 687 612 1,228 327 -2,259 -277
The non-financial corporations sector Total domestic sectors Other changes 2020* -2,072 0 355 0 -85 0 4,496 -24
The non-financial corporations sector Total domestic sectors Price changes and revaluations 2020* -2,072 0 355 0 -85 0 4,496 -24
Source: CBS.
Explanation of symbols

Table description


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 2017 are final. Data of 2018, 2019 and 2020 are provisional.

Changes as of March 26th, 2021:
Data on the fourth quarter of 2020 and the year 2020 have been added to this table. Data for the first three quarters of 2020 have been revised. Government finance statistics have been adjusted for the time period 1995 - 2020. The revision to government finance statistics has not been fully implemented in National Accounts. Therefore, data in publications of National Accounts and government finance statistics are temporarily not consistent. Differences will be resolved with the next publication date, June 24th 2021.

When will new figures be published?
Annual figures: 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.
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.