Financial balance sheets and transactions by sectors; National Accounts

View full table Show description
Institutional sectors Not Consolidated or Consolidated Balance sheets and transactions Assets Total (million euros) Assets Monetary gold and special drawing rights Total (million euros) Assets Monetary gold and special drawing rights Monetary gold (million euros) Assets Monetary gold and special drawing rights Special drawing rights (SDRs) (million euros) Assets Currency and deposits Total (million euros) Assets Currency and deposits Currency (million euros) Assets Currency and deposits Transferable deposits (million euros) Assets Currency and deposits Savings deposits and other deposits Total (million euros) Assets Currency and deposits Savings deposits and other deposits Savings deposits (million euros) Assets Currency and deposits Savings deposits and other deposits Other deposits (million euros)
Total domestic sectors Not consolidated Opening balance sheet 19,824,125 66,726 49,448 17,278 2,239,948 30,530 851,059 1,358,359 500,158 858,201
Closing balance sheet 19,977,053 88,371 72,252 16,119 2,373,460 37,067 852,645 1,483,748 540,446 943,302
Consolidated Opening balance sheet 10,149,568 66,726 49,448 17,278 816,508 13 158,710 657,785 19,380 638,405
Closing balance sheet 10,357,020 88,371 72,252 16,119 935,159 14 192,510 742,635 23,890 718,745
The non-financial corporations sector Not consolidated Opening balance sheet 3,968,246 386,993 7,696 215,878 163,419 163,419
Closing balance sheet 3,980,716 390,915 9,396 216,704 164,815 164,815
Consolidated Opening balance sheet 2,578,791 386,993 7,696 215,878 163,419 163,419
Closing balance sheet 2,598,998 390,915 9,396 216,704 164,815 164,815
Financial corporations Not consolidated Opening balance sheet 12,023,733 66,726 49,448 17,278 1,107,941 2,617 419,486 685,838 685,838
Closing balance sheet 12,173,722 88,371 72,252 16,119 1,173,238 2,985 406,556 763,697 763,697
Consolidated Opening balance sheet 10,119,236 66,726 49,448 17,278 736,600 13 131,141 605,446 605,446
Closing balance sheet 10,350,876 88,371 72,252 16,119 854,260 14 166,641 687,605 687,605
Monetary financial institutions Not consolidated Opening balance sheet 3,184,906 66,726 49,448 17,278 810,907 1,526 312,511 496,870 496,870
Closing balance sheet 3,265,007 88,371 72,252 16,119 844,486 1,662 293,683 549,141 549,141
Consolidated Opening balance sheet 2,897,126 66,726 49,448 17,278 575,900 13 86,325 489,562 489,562
Closing balance sheet 3,020,905 88,371 72,252 16,119 656,802 14 113,637 543,151 543,151
Central bank Not consolidated Opening balance sheet 372,843 66,726 49,448 17,278 135,845 0 0 135,845 135,845
Closing balance sheet 347,832 88,371 72,252 16,119 106,494 0 0 106,494 106,494
Consolidated Opening balance sheet 372,843 66,726 49,448 17,278 135,845 0 0 135,845 135,845
Closing balance sheet 347,832 88,371 72,252 16,119 106,494 0 0 106,494 106,494
Deposit-taking corporations and MMFs Not consolidated Opening balance sheet 2,812,063 675,062 1,526 312,511 361,025 361,025
Closing balance sheet 2,917,175 737,992 1,662 293,683 442,647 442,647
Consolidated Opening balance sheet 2,796,305 666,990 1,526 310,881 354,583 354,583
Closing balance sheet 2,895,669 730,645 1,662 291,690 437,293 437,293
Deposit-taking corporations Not consolidated Opening balance sheet 2,810,383 674,833 1,526 312,321 360,986 360,986
Closing balance sheet 2,914,259 737,621 1,662 293,351 442,608 442,608
Consolidated Opening balance sheet 2,794,717 666,801 1,526 310,692 354,583 354,583
Closing balance sheet 2,893,034 730,414 1,662 291,459 437,293 437,293
Money Market Funds Not consolidated Opening balance sheet 1,680 229 0 190 39 39
Closing balance sheet 2,916 371 0 332 39 39
Consolidated Opening balance sheet 1,680 229 0 190 39 39
Closing balance sheet 2,916 371 0 332 39 39
Other financial institutions Not consolidated Opening balance sheet 6,456,598 191,016 604 85,338 105,074 105,074
Closing balance sheet 6,502,136 183,466 731 86,344 96,391 96,391
Consolidated Opening balance sheet 6,177,136 191,016 604 85,338 105,074 105,074
Closing balance sheet 6,212,202 183,466 731 86,344 96,391 96,391
Non-MMF investment funds Not consolidated Opening balance sheet 870,951 13,682 142 8,860 4,680 4,680
Closing balance sheet 834,174 12,623 172 9,703 2,748 2,748
Consolidated Opening balance sheet 758,706 13,682 142 8,860 4,680 4,680
Closing balance sheet 718,502 12,623 172 9,703 2,748 2,748
Other fin. inst. excl. investment funds Not consolidated Opening balance sheet 5,585,647 177,334 462 76,478 100,394 100,394
Closing balance sheet 5,667,962 170,843 559 76,641 93,643 93,643
Consolidated Opening balance sheet 5,462,987 177,334 462 76,478 100,394 100,394
Closing balance sheet 5,545,507 170,843 559 76,641 93,643 93,643
Other fin. intermediaries, auxiliairies Not consolidated Opening balance sheet 672,462 49,884 340 27,379 22,165 22,165
Closing balance sheet 678,657 45,765 412 29,093 16,260 16,260
Consolidated Opening balance sheet 621,596 49,884 340 27,379 22,165 22,165
Closing balance sheet 623,927 45,765 412 29,093 16,260 16,260
Other financial intermediaries Not consolidated Opening balance sheet 385,168 30,609 305 18,117 12,187 12,187
Closing balance sheet 387,641 30,661 371 19,395 10,895 10,895
Consolidated Opening balance sheet 368,573 30,609 305 18,117 12,187 12,187
Closing balance sheet 373,307 30,661 371 19,395 10,895 10,895
Financial auxiliaries Not consolidated Opening balance sheet 287,294 19,275 35 9,262 9,978 9,978
Closing balance sheet 291,016 15,104 41 9,698 5,365 5,365
Consolidated Opening balance sheet 272,205 19,275 35 9,262 9,978 9,978
Closing balance sheet 274,623 15,104 41 9,698 5,365 5,365
Captive institutions and money lenders Not consolidated Opening balance sheet 4,913,185 127,450 122 49,099 78,229 78,229
Closing balance sheet 4,989,305 125,078 147 47,548 77,383 77,383
Consolidated Opening balance sheet 4,850,188 127,450 122 49,099 78,229 78,229
Closing balance sheet 4,929,525 125,078 147 47,548 77,383 77,383
Insurance corporations and pension funds Not consolidated Opening balance sheet 2,382,229 106,018 487 21,637 83,894 83,894
Closing balance sheet 2,406,579 145,286 592 26,529 118,165 118,165
Consolidated Opening balance sheet 2,369,221 106,018 487 21,637 83,894 83,894
Closing balance sheet 2,392,776 145,286 592 26,529 118,165 118,165
Insurance corporations Not consolidated Opening balance sheet 485,647 17,551 395 8,220 8,936 8,936
Closing balance sheet 488,146 19,080 481 3,976 14,623 14,623
Consolidated Opening balance sheet 477,832 17,551 395 8,220 8,936 8,936
Closing balance sheet 478,806 19,080 481 3,976 14,623 14,623
Pension funds Not consolidated Opening balance sheet 1,896,582 88,467 92 13,417 74,958 74,958
Closing balance sheet 1,918,433 126,206 111 22,553 103,542 103,542
Consolidated Opening balance sheet 1,896,199 88,467 92 13,417 74,958 74,958
Closing balance sheet 1,918,069 126,206 111 22,553 103,542 103,542
General government Not consolidated Opening balance sheet 471,917 111,045 7 102,094 8,944 8,944
Closing balance sheet 532,593 130,286 8 115,488 14,790 14,790
Consolidated Opening balance sheet 303,596 16,904 7 10,383 6,514 6,514
Closing balance sheet 344,451 23,743 8 11,501 12,234 12,234
Central government Not consolidated Opening balance sheet 300,045 22,811 1 16,800 6,010 6,010
Closing balance sheet 350,080 31,037 1 19,330 11,706 11,706
Consolidated Opening balance sheet 275,022 11,275 1 5,769 5,505 5,505
Closing balance sheet 322,473 18,484 1 7,225 11,258 11,258
Local government Not consolidated Opening balance sheet 100,818 34,706 6 31,766 2,934 2,934
Closing balance sheet 100,563 34,237 7 31,146 3,084 3,084
Consolidated Opening balance sheet 87,715 34,706 6 31,766 2,934 2,934
Closing balance sheet 86,664 34,237 7 31,146 3,084 3,084
Social security funds Not consolidated Opening balance sheet 71,054 53,528 0 53,528 0 0
Closing balance sheet 81,950 65,012 0 65,012 0 0
Consolidated Opening balance sheet 70,315 53,528 0 53,528 0 0
Closing balance sheet 81,211 65,012 0 65,012 0 0
Households including NPISHs Not consolidated Opening balance sheet 3,360,229 633,969 20,210 113,601 500,158 500,158 0
Closing balance sheet 3,290,022 679,021 24,678 113,897 540,446 540,446 0
Consolidated Opening balance sheet 3,347,339 633,969 20,210 113,601 500,158 500,158 0
Closing balance sheet 3,276,710 679,021 24,678 113,897 540,446 540,446 0
Households Not consolidated Opening balance sheet 3,332,672 619,050 19,720 103,853 495,477 495,477 0
Closing balance sheet 3,261,191 663,165 24,082 104,612 534,471 534,471 0
Consolidated Opening balance sheet 3,319,851 619,050 19,720 103,853 495,477 495,477 0
Closing balance sheet 3,247,951 663,165 24,082 104,612 534,471 534,471 0
Non-profit institutions serv. households Not consolidated Opening balance sheet 27,557 14,919 490 9,748 4,681 4,681 0
Closing balance sheet 28,831 15,856 596 9,285 5,975 5,975 0
Consolidated Opening balance sheet 27,556 14,919 490 9,748 4,681 4,681 0
Closing balance sheet 28,830 15,856 596 9,285 5,975 5,975 0
Source: CBS.
Explanation of symbols

Table explanation


This table presents financial transactions, other changes in assets and financial balance sheets of the sectors of the Dutch economy. It enables insight in many financial aspects in the Netherlands. Such as the magnitude of the debt of the government, the mortgage debt of households, the assets of investment funds in shares, the loans lent by financial corporations. Sectors are presented both consolidated and non-consolidated in this table.

Data available from:
Annual figures from 1995.
Quarterly figures from first quarter 1999.

Status of the figures:
The annual figures from 1995 up to and including 2023 are final. Quarterly data from 2023 and further are provisional.

Changes as of March 26th 2026:
Data on the fourth quarter of 2025 and annual data on 2025 are available. The figures for 2024 and the first three quarters of 2025 have been revised. Figures for 2024 have been revised as a result of updated information about government finance statistics.

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 sector accounts 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.
Please note that there is a possibility that adjustments might take place at the end of March or September, in order to provide the European Commission with the latest figures.

Description topics

Assets
Total
Monetary gold and special drawing rights
The monetary gold and special drawing rights category consists of two subcategories:
- monetary gold
- special drawing rights
Total
Monetary gold
Monetary gold includes all gold, which is not intended for industrial purposes and not held in the form of valuables. Monetary gold can only be held by the Dutch Central Bank (DNB).
Special drawing rights (SDRs)
SDRs are international reserve assets created by the International Monetary Fund (IMF) and which are allocated to its members to supplement existing reserve assets. This transaction only exists for DNB.
Currency and deposits
Currency is notes and coins that are issued or authorised by monetary authorities. Deposits are standardised, non-negotiable contracts with the public at large, offered by deposit-taking corporations and, in some cases, by central government as debtors, and allowing the placement and the later withdrawal of the principal amount by the creditor. Deposits usually involve the debtor giving back the full principal amount to the investor.
Total
Currency
Currency consists of notes and coins in circulation that are commonly used to make payments.
Transferable 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
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.
Total
Savings deposits
These deposits include all deposits in euros and foreign currency of both residents and non-residents in the form of normal saving accounts, fixed saving accounts, premium saving accounts and fixed-term saving accounts.

Other deposits
Other deposits include all deposits in euros and foreign currency at any resident and non-resident bank (except for saving deposits in euro's), which are not immediately transferable without restrictions.