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 2022 1st quarter* 1,517,750 15,788 493,026 300,510 1,625,094 778,723 197,010 946,857
Total domestic sectors Total domestic sectors Closing balance sheet 2022 1st quarter* 1,619,098 12,880 460,687 302,317 1,633,541 788,794 182,488 885,276
Total domestic sectors The non-financial corporations sector Opening balance sheet 2022 1st quarter* 0 149 8,291 160,533 462,074 0 106,087 0
Total domestic sectors The non-financial corporations sector Closing balance sheet 2022 1st quarter* 0 432 7,763 166,635 463,601 0 97,809 0
Total domestic sectors Financial corporations Opening balance sheet 2022 1st quarter* 1,456,076 1,559 228,595 99,868 250,397 0 90,923 946,857
Total domestic sectors Financial corporations Closing balance sheet 2022 1st quarter* 1,557,949 1,718 220,717 92,689 246,974 0 84,679 885,276
Total domestic sectors Monetary financial institutions Opening balance sheet 2022 1st quarter* 1,456,076 841 60,131 0 131,718 0 16,786 3,056
Total domestic sectors Monetary financial institutions Closing balance sheet 2022 1st quarter* 1,557,949 738 60,723 0 131,001 0 15,979 1,430
Total domestic sectors Central bank Opening balance sheet 2022 1st quarter* 313,292 0 0 0 0 0 0 0
Total domestic sectors Central bank Closing balance sheet 2022 1st quarter* 401,760 0 0 0 0 0 0 0
Total domestic sectors Deposit-taking corporations and MMFs Opening balance sheet 2022 1st quarter* 1,142,784 841 60,131 0 131,718 0 16,786 3,056
Total domestic sectors Deposit-taking corporations and MMFs Closing balance sheet 2022 1st quarter* 1,156,189 738 60,723 0 131,001 0 15,979 1,430
Total domestic sectors Other financial institutions Opening balance sheet 2022 1st quarter* 0 718 168,422 81,110 110,155 0 74,137 943,801
Total domestic sectors Other financial institutions Closing balance sheet 2022 1st quarter* 0 980 159,955 76,526 107,679 0 68,700 883,846
Total domestic sectors Non-MMF investment funds Opening balance sheet 2022 1st quarter* 0 0 0 5,547 7,164 0 0 943,801
Total domestic sectors Non-MMF investment funds Closing balance sheet 2022 1st quarter* 0 0 0 3,445 7,203 0 0 883,846
Total domestic sectors Other fin. inst. excl. investment funds Opening balance sheet 2022 1st quarter* 0 718 168,422 75,563 102,991 0 74,137 0
Total domestic sectors Other fin. inst. excl. investment funds Closing balance sheet 2022 1st quarter* 0 980 159,955 73,081 100,476 0 68,700 0
Total domestic sectors Insurance corporations and pension funds Opening balance sheet 2022 1st quarter* 0 0 42 18,758 8,524 0 0 0
Total domestic sectors Insurance corporations and pension funds Closing balance sheet 2022 1st quarter* 0 0 39 16,163 8,294 0 0 0
Total domestic sectors Insurance corporations Opening balance sheet 2022 1st quarter* 0 0 42 6,711 8,402 0 0 0
Total domestic sectors Insurance corporations Closing balance sheet 2022 1st quarter* 0 0 39 7,018 8,188 0 0 0
Total domestic sectors Pension funds Opening balance sheet 2022 1st quarter* 0 0 0 12,047 122 0 0 0
Total domestic sectors Pension funds Closing balance sheet 2022 1st quarter* 0 0 0 9,145 106 0 0 0
Total domestic sectors General government Opening balance sheet 2022 1st quarter* 61,674 14,080 256,140 26,519 68,087 0 0 0
Total domestic sectors General government Closing balance sheet 2022 1st quarter* 61,149 10,730 232,207 29,826 68,459 0 0 0
Total domestic sectors Central government Opening balance sheet 2022 1st quarter* 61,674 14,080 252,917 703 13,560 0 0 0
Total domestic sectors Central government Closing balance sheet 2022 1st quarter* 61,149 10,730 228,927 800 13,745 0 0 0
Total domestic sectors Local government Opening balance sheet 2022 1st quarter* 0 0 3,223 3,971 54,507 0 0 0
Total domestic sectors Local government Closing balance sheet 2022 1st quarter* 0 0 3,280 4,206 54,694 0 0 0
Total domestic sectors Social security funds Opening balance sheet 2022 1st quarter* 0 0 0 21,845 20 0 0 0
Total domestic sectors Social security funds Closing balance sheet 2022 1st quarter* 0 0 0 24,820 20 0 0 0
Total domestic sectors Households including NPISHs Opening balance sheet 2022 1st quarter* 0 0 0 13,590 844,536 778,723 0 0
Total domestic sectors Households including NPISHs Closing balance sheet 2022 1st quarter* 0 0 0 13,167 854,507 788,794 0 0
Total domestic sectors Rest of the world Opening balance sheet 2022 1st quarter* 620,869 62,726 945,163 731,309 1,367,817 2,983 741,711 407,752
Total domestic sectors Rest of the world Closing balance sheet 2022 1st quarter* 720,366 50,372 889,508 753,766 1,372,217 2,889 678,157 391,412
The non-financial corporations sector Total domestic sectors Opening balance sheet 2022 1st quarter* 329,738 246 2,076 74,115 112,712 3,600 50,485 325
The non-financial corporations sector Total domestic sectors Closing balance sheet 2022 1st quarter* 327,540 248 2,076 74,811 109,944 3,706 41,225 160
The non-financial corporations sector The non-financial corporations sector Opening balance sheet 2022 1st quarter* 0 0 0 61,756 86,617 0 42,205 0
The non-financial corporations sector The non-financial corporations sector Closing balance sheet 2022 1st quarter* 0 0 0 61,756 86,617 0 33,125 0
The non-financial corporations sector Financial corporations Opening balance sheet 2022 1st quarter* 329,348 246 1,101 12,354 7,707 0 8,280 325
The non-financial corporations sector Financial corporations Closing balance sheet 2022 1st quarter* 327,133 248 1,101 13,050 4,776 0 8,100 160
The non-financial corporations sector Monetary financial institutions Opening balance sheet 2022 1st quarter* 329,348 224 1,097 0 30 0 8,101 0
The non-financial corporations sector Monetary financial institutions Closing balance sheet 2022 1st quarter* 327,133 224 1,097 0 77 0 8,086 0
The non-financial corporations sector Central bank Opening balance sheet 2022 1st quarter* 0 0 0 0 0 0 0 0
The non-financial corporations sector Central bank Closing balance sheet 2022 1st quarter* 0 0 0 0 0 0 0 0
The non-financial corporations sector Deposit-taking corporations and MMFs Opening balance sheet 2022 1st quarter* 329,348 224 1,097 0 30 0 8,101 0
The non-financial corporations sector Deposit-taking corporations and MMFs Closing balance sheet 2022 1st quarter* 327,133 224 1,097 0 77 0 8,086 0
The non-financial corporations sector Other financial institutions Opening balance sheet 2022 1st quarter* 0 22 4 12,274 7,515 0 179 325
The non-financial corporations sector Other financial institutions Closing balance sheet 2022 1st quarter* 0 24 4 12,426 4,552 0 14 160
The non-financial corporations sector Non-MMF investment funds Opening balance sheet 2022 1st quarter* 0 0 0 1 113 0 0 325
The non-financial corporations sector Non-MMF investment funds Closing balance sheet 2022 1st quarter* 0 0 0 124 91 0 0 160
The non-financial corporations sector Other fin. inst. excl. investment funds Opening balance sheet 2022 1st quarter* 0 22 4 12,273 7,402 0 179 0
The non-financial corporations sector Other fin. inst. excl. investment funds Closing balance sheet 2022 1st quarter* 0 24 4 12,302 4,461 0 14 0
The non-financial corporations sector Insurance corporations and pension funds Opening balance sheet 2022 1st quarter* 0 0 0 80 162 0 0 0
The non-financial corporations sector Insurance corporations and pension funds Closing balance sheet 2022 1st quarter* 0 0 0 624 147 0 0 0
The non-financial corporations sector Insurance corporations Opening balance sheet 2022 1st quarter* 0 0 0 75 139 0 0 0
The non-financial corporations sector Insurance corporations Closing balance sheet 2022 1st quarter* 0 0 0 624 140 0 0 0
The non-financial corporations sector Pension funds Opening balance sheet 2022 1st quarter* 0 0 0 5 23 0 0 0
The non-financial corporations sector Pension funds Closing balance sheet 2022 1st quarter* 0 0 0 0 7 0 0 0
The non-financial corporations sector General government Opening balance sheet 2022 1st quarter* 390 0 975 5 7,107 0 0 0
The non-financial corporations sector General government Closing balance sheet 2022 1st quarter* 407 0 975 5 7,181 0 0 0
The non-financial corporations sector Central government Opening balance sheet 2022 1st quarter* 390 0 975 0 7,023 0 0 0
The non-financial corporations sector Central government Closing balance sheet 2022 1st quarter* 407 0 975 0 7,097 0 0 0
The non-financial corporations sector Local government Opening balance sheet 2022 1st quarter* 0 0 0 5 84 0 0 0
The non-financial corporations sector Local government Closing balance sheet 2022 1st quarter* 0 0 0 5 84 0 0 0
The non-financial corporations sector Social security funds Opening balance sheet 2022 1st quarter* 0 0 0 0 0 0 0 0
The non-financial corporations sector Social security funds Closing balance sheet 2022 1st quarter* 0 0 0 0 0 0 0 0
The non-financial corporations sector Households including NPISHs Opening balance sheet 2022 1st quarter* 0 0 0 0 11,281 3,600 0 0
The non-financial corporations sector Households including NPISHs Closing balance sheet 2022 1st quarter* 0 0 0 0 11,370 3,706 0 0
The non-financial corporations sector Rest of the world Opening balance sheet 2022 1st quarter* 52,725 1,944 3,837 139,819 396,394 8 3,478 5,496
The non-financial corporations sector Rest of the world Closing balance sheet 2022 1st quarter* 65,389 2,928 3,568 145,208 397,997 8 3,437 3,951
Financial corporations Total domestic sectors Opening balance sheet 2022 1st quarter* 605,740 15,327 486,184 203,604 1,443,026 769,488 121,832 873,645
Financial corporations Total domestic sectors Closing balance sheet 2022 1st quarter* 698,741 12,415 454,067 201,702 1,453,276 779,366 118,674 814,812
Financial corporations The non-financial corporations sector Opening balance sheet 2022 1st quarter* 0 149 7,798 98,554 365,318 0 48,605 0
Financial corporations The non-financial corporations sector Closing balance sheet 2022 1st quarter* 0 432 7,285 104,658 366,817 0 50,524 0
Financial corporations Financial corporations Opening balance sheet 2022 1st quarter* 605,045 1,123 224,169 87,395 240,420 0 73,227 873,645
Financial corporations Financial corporations Closing balance sheet 2022 1st quarter* 698,034 1,278 216,428 79,506 239,926 0 68,150 814,812
Financial corporations Monetary financial institutions Opening balance sheet 2022 1st quarter* 605,045 453 56,705 0 129,892 0 3,102 3,056
Financial corporations Monetary financial institutions Closing balance sheet 2022 1st quarter* 698,034 340 57,389 0 129,139 0 3,009 1,430
Financial corporations Central bank Opening balance sheet 2022 1st quarter* 306,477 0 0 0 0 0 0 0
Financial corporations Central bank Closing balance sheet 2022 1st quarter* 393,610 0 0 0 0 0 0 0
Financial corporations Deposit-taking corporations and MMFs Opening balance sheet 2022 1st quarter* 298,568 453 56,705 0 129,892 0 3,102 3,056
Financial corporations Deposit-taking corporations and MMFs Closing balance sheet 2022 1st quarter* 304,424 340 57,389 0 129,139 0 3,009 1,430
Financial corporations Other financial institutions Opening balance sheet 2022 1st quarter* 0 670 167,459 68,798 102,354 0 70,125 870,589
Financial corporations Other financial institutions Closing balance sheet 2022 1st quarter* 0 938 159,036 64,048 102,829 0 65,141 813,382
Financial corporations Non-MMF investment funds Opening balance sheet 2022 1st quarter* 0 0 0 5,542 6,982 0 0 870,589
Financial corporations Non-MMF investment funds Closing balance sheet 2022 1st quarter* 0 0 0 3,317 7,031 0 0 813,382
Financial corporations Other fin. inst. excl. investment funds Opening balance sheet 2022 1st quarter* 0 670 167,459 63,256 95,372 0 70,125 0
Financial corporations Other fin. inst. excl. investment funds Closing balance sheet 2022 1st quarter* 0 938 159,036 60,731 95,798 0 65,141 0
Financial corporations Insurance corporations and pension funds Opening balance sheet 2022 1st quarter* 0 0 5 18,597 8,174 0 0 0
Financial corporations Insurance corporations and pension funds Closing balance sheet 2022 1st quarter* 0 0 3 15,458 7,958 0 0 0
Financial corporations Insurance corporations Opening balance sheet 2022 1st quarter* 0 0 5 6,555 8,075 0 0 0
Financial corporations Insurance corporations Closing balance sheet 2022 1st quarter* 0 0 3 6,313 7,859 0 0 0
Financial corporations Pension funds Opening balance sheet 2022 1st quarter* 0 0 0 12,042 99 0 0 0
Financial corporations Pension funds Closing balance sheet 2022 1st quarter* 0 0 0 9,145 99 0 0 0
Financial corporations General government Opening balance sheet 2022 1st quarter* 695 14,055 254,217 4,067 48,470 0 0 0
Financial corporations General government Closing balance sheet 2022 1st quarter* 707 10,705 230,354 4,374 48,545 0 0 0
Financial corporations Central government Opening balance sheet 2022 1st quarter* 695 14,055 250,994 701 2,021 0 0 0
Financial corporations Central government Closing balance sheet 2022 1st quarter* 707 10,705 227,074 793 2,015 0 0 0
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 2019 are final. Data of 2020, 2021 and 2022 are provisional.

Changes as of June 24th, 2022:
Data on the first quarter of 2022 have been added.
Following revision policy, 2020 and 2021 data are updated, and time series of the financial account and balances are revised (annual revision).

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.