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

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Financial instruments: From-whom-to-whom matrices; National Accounts
Sectors (assets) Counterpart sectors (liabilities) Balance sheets and transactions Periods Short-term loans (million euros) Long-term loans (million euros)
Total domestic sectors Total domestic sectors Opening balance sheet 2023* 290,346 1,664,159
Total domestic sectors Total domestic sectors Financial transactions 2023* -10,295 7,724
Total domestic sectors Total domestic sectors Other changes 2023* 3,590 8,175
Total domestic sectors Total domestic sectors Price changes and revaluations 2023* -346 -490
Total domestic sectors Total domestic sectors Other volume changes 2023* 3,936 8,665
Total domestic sectors Total domestic sectors Closing balance sheet 2023* 283,641 1,680,058
Total domestic sectors The non-financial corporations sector Opening balance sheet 2023* 154,401 476,069
Total domestic sectors The non-financial corporations sector Financial transactions 2023* -10,761 -47
Total domestic sectors The non-financial corporations sector Other changes 2023* 790 -47,436
Total domestic sectors The non-financial corporations sector Price changes and revaluations 2023* -270 -77
Total domestic sectors The non-financial corporations sector Other volume changes 2023* 1,060 -47,359
Total domestic sectors The non-financial corporations sector Closing balance sheet 2023* 144,430 428,586
Total domestic sectors Financial corporations Opening balance sheet 2023* 99,443 246,821
Total domestic sectors Financial corporations Financial transactions 2023* 8,672 -947
Total domestic sectors Financial corporations Other changes 2023* 2,928 55,625
Total domestic sectors Financial corporations Price changes and revaluations 2023* -72 -417
Total domestic sectors Financial corporations Other volume changes 2023* 3,000 56,042
Total domestic sectors Financial corporations Closing balance sheet 2023* 111,043 301,499
Total domestic sectors Monetary financial institutions Opening balance sheet 2023* 0 115,326
Total domestic sectors Monetary financial institutions Financial transactions 2023* 0 -3,478
Total domestic sectors Monetary financial institutions Other changes 2023* 0 -385
Total domestic sectors Monetary financial institutions Price changes and revaluations 2023* 0 -385
Total domestic sectors Monetary financial institutions Other volume changes 2023* 0 0
Total domestic sectors Monetary financial institutions Closing balance sheet 2023* 0 111,463
Total domestic sectors Central bank Opening balance sheet 2023* 0 0
Total domestic sectors Central bank Financial transactions 2023* 0 0
Total domestic sectors Central bank Other changes 2023* 0 0
Total domestic sectors Central bank Price changes and revaluations 2023* 0 0
Total domestic sectors Central bank Other volume changes 2023* 0 0
Total domestic sectors Central bank Closing balance sheet 2023* 0 0
Total domestic sectors Deposit-taking corporations and MMFs Opening balance sheet 2023* 0 115,326
Total domestic sectors Deposit-taking corporations and MMFs Financial transactions 2023* 0 -3,478
Total domestic sectors Deposit-taking corporations and MMFs Other changes 2023* 0 -385
Total domestic sectors Deposit-taking corporations and MMFs Price changes and revaluations 2023* 0 -385
Total domestic sectors Deposit-taking corporations and MMFs Other volume changes 2023* 0 0
Total domestic sectors Deposit-taking corporations and MMFs Closing balance sheet 2023* 0 111,463
Total domestic sectors Other financial institutions Opening balance sheet 2023* 96,923 123,493
Total domestic sectors Other financial institutions Financial transactions 2023* 3,550 742
Total domestic sectors Other financial institutions Other changes 2023* 2,928 56,010
Total domestic sectors Other financial institutions Price changes and revaluations 2023* -72 -32
Total domestic sectors Other financial institutions Other volume changes 2023* 3,000 56,042
Total domestic sectors Other financial institutions Closing balance sheet 2023* 103,401 180,245
Total domestic sectors Non-MMF investment funds Opening balance sheet 2023* 3,375 7,798
Total domestic sectors Non-MMF investment funds Financial transactions 2023* -908 170
Total domestic sectors Non-MMF investment funds Other changes 2023* -30 -1
Total domestic sectors Non-MMF investment funds Price changes and revaluations 2023* -30 -1
Total domestic sectors Non-MMF investment funds Other volume changes 2023* 0 0
Total domestic sectors Non-MMF investment funds Closing balance sheet 2023* 2,437 7,967
Total domestic sectors Other fin. inst. excl. investment funds Opening balance sheet 2023* 93,548 115,695
Total domestic sectors Other fin. inst. excl. investment funds Financial transactions 2023* 4,458 572
Total domestic sectors Other fin. inst. excl. investment funds Other changes 2023* 2,958 56,011
Total domestic sectors Other fin. inst. excl. investment funds Price changes and revaluations 2023* -42 -31
Total domestic sectors Other fin. inst. excl. investment funds Other volume changes 2023* 3,000 56,042
Total domestic sectors Other fin. inst. excl. investment funds Closing balance sheet 2023* 100,964 172,278
Total domestic sectors Insurance corporations and pension funds Opening balance sheet 2023* 2,520 8,002
Total domestic sectors Insurance corporations and pension funds Financial transactions 2023* 5,122 1,789
Total domestic sectors Insurance corporations and pension funds Other changes 2023* 0 0
Total domestic sectors Insurance corporations and pension funds Price changes and revaluations 2023* 0 0
Total domestic sectors Insurance corporations and pension funds Other volume changes 2023* 0 0
Total domestic sectors Insurance corporations and pension funds Closing balance sheet 2023* 7,642 9,791
Total domestic sectors Insurance corporations Opening balance sheet 2023* 1,756 7,904
Total domestic sectors Insurance corporations Financial transactions 2023* 4,809 1,810
Total domestic sectors Insurance corporations Other changes 2023* -1 0
Total domestic sectors Insurance corporations Price changes and revaluations 2023* -1 0
Total domestic sectors Insurance corporations Other volume changes 2023* 0 0
Total domestic sectors Insurance corporations Closing balance sheet 2023* 6,564 9,714
Total domestic sectors Pension funds Opening balance sheet 2023* 764 98
Total domestic sectors Pension funds Financial transactions 2023* 313 -21
Total domestic sectors Pension funds Other changes 2023* 1 0
Total domestic sectors Pension funds Price changes and revaluations 2023* 1 0
Total domestic sectors Pension funds Other volume changes 2023* 0 0
Total domestic sectors Pension funds Closing balance sheet 2023* 1,078 77
Total domestic sectors General government Opening balance sheet 2023* 24,338 69,449
Total domestic sectors General government Financial transactions 2023* -7,644 -1,044
Total domestic sectors General government Other changes 2023* 0 0
Total domestic sectors General government Price changes and revaluations 2023* 0 0
Total domestic sectors General government Other volume changes 2023* 0 0
Total domestic sectors General government Closing balance sheet 2023* 16,694 68,405
Total domestic sectors Central government Opening balance sheet 2023* 583 14,474
Total domestic sectors Central government Financial transactions 2023* 2,207 640
Total domestic sectors Central government Other changes 2023* 0 0
Total domestic sectors Central government Price changes and revaluations 2023* 0 0
Total domestic sectors Central government Other volume changes 2023* 0 0
Total domestic sectors Central government Closing balance sheet 2023* 2,790 15,114
Total domestic sectors Local government Opening balance sheet 2023* 2,849 54,952
Total domestic sectors Local government Financial transactions 2023* 2,052 -1,677
Total domestic sectors Local government Other changes 2023* 0 0
Total domestic sectors Local government Price changes and revaluations 2023* 0 0
Total domestic sectors Local government Other volume changes 2023* 0 0
Total domestic sectors Local government Closing balance sheet 2023* 4,901 53,275
Total domestic sectors Social security funds Opening balance sheet 2023* 20,906 23
Total domestic sectors Social security funds Financial transactions 2023* -11,903 -7
Total domestic sectors Social security funds Other changes 2023* 0 0
Total domestic sectors Social security funds Price changes and revaluations 2023* 0 0
Total domestic sectors Social security funds Other volume changes 2023* 0 0
Total domestic sectors Social security funds Closing balance sheet 2023* 9,003 16
Total domestic sectors Households including NPISHs Opening balance sheet 2023* 12,164 871,820
Total domestic sectors Households including NPISHs Financial transactions 2023* -562 9,762
Total domestic sectors Households including NPISHs Other changes 2023* -128 -14
Total domestic sectors Households including NPISHs Price changes and revaluations 2023* -4 4
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 March 25th, 2024:
Data on the fourth quarter of 2023 and the year 2023 have been added to 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

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.