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)
Non-MMF investment funds Non-MMF investment funds Opening balance sheet 2022 2nd quarter* 0 0 0 0 433 0 0 76,012
Non-MMF investment funds Non-MMF investment funds Financial transactions 2022 2nd quarter* 0 0 0 0 -5 0 0 -3,079
Non-MMF investment funds Non-MMF investment funds Other changes 2022 2nd quarter* 0 0 0 0 0 0 0 -6,728
Non-MMF investment funds Non-MMF investment funds Price changes and revaluations 2022 2nd quarter* 0 0 0 0 0 0 0 -6,728
Non-MMF investment funds Non-MMF investment funds Other volume changes 2022 2nd quarter* 0 0 0 0 0 0 0 0
Non-MMF investment funds Non-MMF investment funds Closing balance sheet 2022 2nd quarter* 0 0 0 0 428 0 0 66,205
Non-MMF investment funds Other fin. inst. excl. investment funds Opening balance sheet 2022 2nd quarter* 0 0 4,047 3,851 112 0 3,268 0
Non-MMF investment funds Other fin. inst. excl. investment funds Financial transactions 2022 2nd quarter* 0 0 -137 -783 -27 0 -107 0
Non-MMF investment funds Other fin. inst. excl. investment funds Other changes 2022 2nd quarter* 0 0 -377 76 7 0 -183 0
Non-MMF investment funds Other fin. inst. excl. investment funds Price changes and revaluations 2022 2nd quarter* 0 0 -377 76 7 0 -183 0
Non-MMF investment funds Other fin. inst. excl. investment funds Other volume changes 2022 2nd quarter* 0 0 0 0 0 0 0 0
Non-MMF investment funds Other fin. inst. excl. investment funds Closing balance sheet 2022 2nd quarter* 0 0 3,533 3,144 92 0 2,978 0
Non-MMF investment funds Insurance corporations and pension funds Opening balance sheet 2022 2nd quarter* 0 0 0 0 0 0 0 0
Non-MMF investment funds Insurance corporations and pension funds Financial transactions 2022 2nd quarter* 0 0 0 0 0 0 0 0
Non-MMF investment funds Insurance corporations and pension funds Other changes 2022 2nd quarter* 0 0 0 0 0 0 0 0
Non-MMF investment funds Insurance corporations and pension funds Price changes and revaluations 2022 2nd quarter* 0 0 0 0 0 0 0 0
Non-MMF investment funds Insurance corporations and pension funds Other volume changes 2022 2nd quarter* 0 0 0 0 0 0 0 0
Non-MMF investment funds Insurance corporations and pension funds Closing balance sheet 2022 2nd quarter* 0 0 0 0 0 0 0 0
Non-MMF investment funds Pension funds Opening balance sheet 2022 2nd quarter* 0 0 0 0 0 0 0 0
Non-MMF investment funds Pension funds Financial transactions 2022 2nd quarter* 0 0 0 0 0 0 0 0
Non-MMF investment funds Pension funds Other changes 2022 2nd quarter* 0 0 0 0 0 0 0 0
Non-MMF investment funds Pension funds Price changes and revaluations 2022 2nd quarter* 0 0 0 0 0 0 0 0
Non-MMF investment funds Pension funds Other volume changes 2022 2nd quarter* 0 0 0 0 0 0 0 0
Non-MMF investment funds Pension funds Closing balance sheet 2022 2nd quarter* 0 0 0 0 0 0 0 0
Non-MMF investment funds Social security funds Opening balance sheet 2022 2nd quarter* 0 0 0 0 0 0 0 0
Non-MMF investment funds Social security funds Financial transactions 2022 2nd quarter* 0 0 0 0 0 0 0 0
Non-MMF investment funds Social security funds Other changes 2022 2nd quarter* 0 0 0 0 0 0 0 0
Non-MMF investment funds Social security funds Price changes and revaluations 2022 2nd quarter* 0 0 0 0 0 0 0 0
Non-MMF investment funds Social security funds Other volume changes 2022 2nd quarter* 0 0 0 0 0 0 0 0
Non-MMF investment funds Social security funds Closing balance sheet 2022 2nd quarter* 0 0 0 0 0 0 0 0
Other fin. inst. excl. investment funds Non-MMF investment funds Opening balance sheet 2022 2nd quarter* 0 0 0 2,481 588 0 0 5,071
Other fin. inst. excl. investment funds Non-MMF investment funds Financial transactions 2022 2nd quarter* 0 0 0 1,652 -3 0 0 -6
Other fin. inst. excl. investment funds Non-MMF investment funds Other changes 2022 2nd quarter* 0 0 0 27 0 0 0 -92
Other fin. inst. excl. investment funds Non-MMF investment funds Price changes and revaluations 2022 2nd quarter* 0 0 0 27 0 0 0 -92
Other fin. inst. excl. investment funds Non-MMF investment funds Other volume changes 2022 2nd quarter* 0 0 0 0 0 0 0 0
Other fin. inst. excl. investment funds Non-MMF investment funds Closing balance sheet 2022 2nd quarter* 0 0 0 4,160 585 0 0 4,973
Other fin. inst. excl. investment funds Other fin. inst. excl. investment funds Opening balance sheet 2022 2nd quarter* 0 503 14,457 7,446 12,908 0 59,941 0
Other fin. inst. excl. investment funds Other fin. inst. excl. investment funds Financial transactions 2022 2nd quarter* 0 0 -29 9,125 493 0 0 0
Other fin. inst. excl. investment funds Other fin. inst. excl. investment funds Other changes 2022 2nd quarter* 0 0 -94 26 316 0 -7,268 0
Other fin. inst. excl. investment funds Other fin. inst. excl. investment funds Price changes and revaluations 2022 2nd quarter* 0 0 -94 26 316 0 -7,268 0
Other fin. inst. excl. investment funds Other fin. inst. excl. investment funds Other volume changes 2022 2nd quarter* 0 0 0 0 0 0 0 0
Other fin. inst. excl. investment funds Other fin. inst. excl. investment funds Closing balance sheet 2022 2nd quarter* 0 503 14,334 16,597 13,717 0 52,673 0
Other fin. inst. excl. investment funds Insurance corporations and pension funds Opening balance sheet 2022 2nd quarter* 0 0 3 3,630 6,501 0 0 0
Other fin. inst. excl. investment funds Insurance corporations and pension funds Financial transactions 2022 2nd quarter* 0 0 0 -2,170 -211 0 0 0
Other fin. inst. excl. investment funds Insurance corporations and pension funds Other changes 2022 2nd quarter* 0 0 0 54 0 0 0 0
Other fin. inst. excl. investment funds Insurance corporations and pension funds Price changes and revaluations 2022 2nd quarter* 0 0 0 54 0 0 0 0
Other fin. inst. excl. investment funds Insurance corporations and pension funds Other volume changes 2022 2nd quarter* 0 0 0 0 0 0 0 0
Other fin. inst. excl. investment funds Insurance corporations and pension funds Closing balance sheet 2022 2nd quarter* 0 0 3 1,514 6,290 0 0 0
Other fin. inst. excl. investment funds Pension funds Opening balance sheet 2022 2nd quarter* 0 0 0 2,438 99 0 0 0
Other fin. inst. excl. investment funds Pension funds Financial transactions 2022 2nd quarter* 0 0 0 -1,128 0 0 0 0
Other fin. inst. excl. investment funds Pension funds Other changes 2022 2nd quarter* 0 0 0 56 0 0 0 0
Other fin. inst. excl. investment funds Pension funds Price changes and revaluations 2022 2nd quarter* 0 0 0 56 0 0 0 0
Other fin. inst. excl. investment funds Pension funds Other volume changes 2022 2nd quarter* 0 0 0 0 0 0 0 0
Other fin. inst. excl. investment funds Pension funds Closing balance sheet 2022 2nd quarter* 0 0 0 1,366 99 0 0 0
Other fin. inst. excl. investment funds Social security funds Opening balance sheet 2022 2nd quarter* 0 0 0 0 0 0 0 0
Other fin. inst. excl. investment funds Social security funds Financial transactions 2022 2nd quarter* 0 0 0 0 0 0 0 0
Other fin. inst. excl. investment funds Social security funds Other changes 2022 2nd quarter* 0 0 0 0 0 0 0 0
Other fin. inst. excl. investment funds Social security funds Price changes and revaluations 2022 2nd quarter* 0 0 0 0 0 0 0 0
Other fin. inst. excl. investment funds Social security funds Other volume changes 2022 2nd quarter* 0 0 0 0 0 0 0 0
Other fin. inst. excl. investment funds Social security funds Closing balance sheet 2022 2nd quarter* 0 0 0 0 0 0 0 0
Insurance corporations and pension funds Non-MMF investment funds Opening balance sheet 2022 2nd quarter* 0 0 0 1 22 0 0 733,503
Insurance corporations and pension funds Non-MMF investment funds Financial transactions 2022 2nd quarter* 0 0 0 0 0 0 0 -31,937
Insurance corporations and pension funds Non-MMF investment funds Other changes 2022 2nd quarter* 0 0 0 0 0 0 0 -39,734
Insurance corporations and pension funds Non-MMF investment funds Price changes and revaluations 2022 2nd quarter* 0 0 0 0 0 0 0 -39,734
Insurance corporations and pension funds Non-MMF investment funds Other volume changes 2022 2nd quarter* 0 0 0 0 0 0 0 0
Insurance corporations and pension funds Non-MMF investment funds Closing balance sheet 2022 2nd quarter* 0 0 0 1 22 0 0 661,832
Insurance corporations and pension funds Other fin. inst. excl. investment funds Opening balance sheet 2022 2nd quarter* 0 274 22,280 8,358 10,447 0 1,385 0
Insurance corporations and pension funds Other fin. inst. excl. investment funds Financial transactions 2022 2nd quarter* 0 -65 -530 4,020 583 0 -35 0
Insurance corporations and pension funds Other fin. inst. excl. investment funds Other changes 2022 2nd quarter* 0 0 -2,908 13 2 0 -94 0
Insurance corporations and pension funds Other fin. inst. excl. investment funds Price changes and revaluations 2022 2nd quarter* 0 0 -2,908 13 2 0 -94 0
Insurance corporations and pension funds Other fin. inst. excl. investment funds Other volume changes 2022 2nd quarter* 0 0 0 0 0 0 0 0
Insurance corporations and pension funds Other fin. inst. excl. investment funds Closing balance sheet 2022 2nd quarter* 0 209 18,842 12,391 11,032 0 1,256 0
Insurance corporations and pension funds Insurance corporations and pension funds Opening balance sheet 2022 2nd quarter* 0 0 1 164 1,537 0 0 0
Insurance corporations and pension funds Insurance corporations and pension funds Financial transactions 2022 2nd quarter* 0 0 0 44 -101 0 0 0
Insurance corporations and pension funds Insurance corporations and pension funds Other changes 2022 2nd quarter* 0 0 0 2 0 0 0 0
Insurance corporations and pension funds Insurance corporations and pension funds Price changes and revaluations 2022 2nd quarter* 0 0 0 2 0 0 0 0
Insurance corporations and pension funds Insurance corporations and pension funds Other volume changes 2022 2nd quarter* 0 0 0 0 0 0 0 0
Insurance corporations and pension funds Insurance corporations and pension funds Closing balance sheet 2022 2nd quarter* 0 0 1 210 1,436 0 0 0
Insurance corporations and pension funds Pension funds Opening balance sheet 2022 2nd quarter* 0 0 0 0 0 0 0 0
Insurance corporations and pension funds Pension funds Financial transactions 2022 2nd quarter* 0 0 0 0 0 0 0 0
Insurance corporations and pension funds Pension funds Other changes 2022 2nd quarter* 0 0 0 0 0 0 0 0
Insurance corporations and pension funds Pension funds Price changes and revaluations 2022 2nd quarter* 0 0 0 0 0 0 0 0
Insurance corporations and pension funds Pension funds Other volume changes 2022 2nd quarter* 0 0 0 0 0 0 0 0
Insurance corporations and pension funds Pension funds Closing balance sheet 2022 2nd quarter* 0 0 0 0 0 0 0 0
Insurance corporations and pension funds Social security funds Opening balance sheet 2022 2nd quarter* 0 0 0 0 0 0 0 0
Insurance corporations and pension funds Social security funds Financial transactions 2022 2nd quarter* 0 0 0 0 0 0 0 0
Insurance corporations and pension funds Social security funds Other changes 2022 2nd quarter* 0 0 0 0 0 0 0 0
Insurance corporations and pension funds Social security funds Price changes and revaluations 2022 2nd quarter* 0 0 0 0 0 0 0 0
Insurance corporations and pension funds Social security funds Other volume changes 2022 2nd quarter* 0 0 0 0 0 0 0 0
Insurance corporations and pension funds Social security funds Closing balance sheet 2022 2nd quarter* 0 0 0 0 0 0 0 0
Pension funds Non-MMF investment funds Opening balance sheet 2022 2nd quarter* 0 0 0 1 9 0 0 643,478
Pension funds Non-MMF investment funds Financial transactions 2022 2nd quarter* 0 0 0 0 0 0 0 -31,920
Pension funds Non-MMF investment funds Other changes 2022 2nd quarter* 0 0 0 0 0 0 0 -32,478
Pension funds Non-MMF investment funds Price changes and revaluations 2022 2nd quarter* 0 0 0 0 0 0 0 -32,478
Pension funds Non-MMF investment funds Other volume changes 2022 2nd quarter* 0 0 0 0 0 0 0 0
Pension funds Non-MMF investment funds Closing balance sheet 2022 2nd quarter* 0 0 0 1 9 0 0 579,080
Pension funds Other fin. inst. excl. investment funds Opening balance sheet 2022 2nd quarter* 0 36 13,672 2,985 1,184 0 912 0
Pension funds Other fin. inst. excl. investment funds Financial transactions 2022 2nd quarter* 0 -5 -171 4,219 -15 0 -35 0
Pension funds Other fin. inst. excl. investment funds Other changes 2022 2nd quarter* 0 0 -1,042 13 2 0 -93 0
Pension funds Other fin. inst. excl. investment funds Price changes and revaluations 2022 2nd quarter* 0 0 -1,042 13 2 0 -93 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 September 23rd, 2022:
Data on the second quarter of 2022 have been added.

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.