Financial balance sheets and transactions by sectors; National Accounts

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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 19,801,410 73,277 56,821 16,456 2,366,223 31,378 892,968 1,441,877 509,536 932,341
Financial transactions 224,548 246 0 246 100,098 1,877 33,835 64,386 15,989 48,397
Other changes -244,043 -2,447 -1,685 -762 -15,579 0 -4,694 -10,885 -65 -10,820
Price changes and revaluations -244,046 -2,447 -1,685 -762 -15,579 0 -4,694 -10,885 -65 -10,820
Other volume changes 3 0 0 0 0 0 0 0 0 0
Closing balance sheet 19,781,915 71,076 55,136 15,940 2,450,742 33,255 922,109 1,495,378 525,460 969,918
Consolidated Opening balance sheet 10,208,663 73,277 56,821 16,456 910,188 17 178,025 732,146 21,291 710,855
Financial transactions 222,510 246 0 246 84,135 4 31,160 52,971 688 52,283
Other changes -222,653 -2,447 -1,685 -762 -12,626 0 -2,317 -10,309 0 -10,309
Price changes and revaluations -222,741 -2,447 -1,685 -762 -12,626 0 -2,317 -10,309 0 -10,309
Other volume changes 88 0 0 0 0 0 0 0 0 0
Closing balance sheet 10,208,520 71,076 55,136 15,940 981,697 21 206,868 774,808 21,979 752,829
The non-financial corporations sector Not consolidated Opening balance sheet 3,945,965 380,237 7,998 208,765 163,474 163,474
Financial transactions 1,921 2,621 497 6,676 -4,552 -4,552
Other changes -44,927 -2,267 0 -1,892 -375 -375
Price changes and revaluations -45,261 -2,267 0 -1,892 -375 -375
Other volume changes 334 0 0 0 0 0
Closing balance sheet 3,902,959 380,591 8,495 213,549 158,547 158,547
Consolidated Opening balance sheet 2,571,505 380,237 7,998 208,765 163,474 163,474
Financial transactions 7,194 2,621 497 6,676 -4,552 -4,552
Other changes -48,155 -2,267 0 -1,892 -375 -375
Price changes and revaluations -48,429 -2,267 0 -1,892 -375 -375
Other volume changes 274 0 0 0 0 0
Closing balance sheet 2,530,544 380,591 8,495 213,549 158,547 158,547
Financial corporations Not consolidated Opening balance sheet 12,108,503 73,277 56,821 16,456 1,230,331 2,370 470,176 757,785 757,785
Financial transactions 188,832 246 0 246 61,317 75 10,404 50,838 50,838
Other changes -195,751 -2,447 -1,685 -762 -13,139 0 -2,694 -10,445 -10,445
Price changes and revaluations -195,486 -2,447 -1,685 -762 -13,139 0 -2,694 -10,445 -10,445
Other volume changes -265 0 0 0 0 0 0 0 0
Closing balance sheet 12,101,584 71,076 55,136 15,940 1,278,509 2,445 477,886 798,178 798,178
Consolidated Opening balance sheet 10,187,832 73,277 56,821 16,456 827,905 17 148,878 679,010 679,010
Financial transactions 238,879 246 0 246 82,934 4 27,578 55,352 55,352
Other changes -184,025 -2,447 -1,685 -762 -12,369 0 -2,128 -10,241 -10,241
Price changes and revaluations -183,760 -2,447 -1,685 -762 -12,369 0 -2,128 -10,241 -10,241
Other volume changes -265 0 0 0 0 0 0 0 0
Closing balance sheet 10,242,686 71,076 55,136 15,940 898,470 21 174,328 724,121 724,121
Monetary financial institutions Not consolidated Opening balance sheet 3,325,027 73,277 56,821 16,456 910,367 1,239 356,621 552,507 552,507
Financial transactions 186,989 246 0 246 56,773 7 7,347 49,419 49,419
Other changes -153,063 -2,447 -1,685 -762 -11,304 0 -2,084 -9,220 -9,220
Price changes and revaluations -152,798 -2,447 -1,685 -762 -11,304 0 -2,084 -9,220 -9,220
Other volume changes -265 0 0 0 0 0 0 0 0
Closing balance sheet 3,358,953 71,076 55,136 15,940 955,836 1,246 361,884 592,706 592,706
Consolidated Opening balance sheet 3,009,296 73,277 56,821 16,456 646,803 17 100,888 545,898 545,898
Financial transactions 202,274 246 0 246 71,076 4 22,161 48,911 48,911
Other changes -153,521 -2,447 -1,685 -762 -11,266 0 -2,078 -9,188 -9,188
Price changes and revaluations -153,256 -2,447 -1,685 -762 -11,266 0 -2,078 -9,188 -9,188
Other volume changes -265 0 0 0 0 0 0 0 0
Closing balance sheet 3,058,049 71,076 55,136 15,940 706,613 21 120,971 585,621 585,621
Central bank Not consolidated Opening balance sheet 401,534 73,277 56,821 16,456 165,574 0 0 165,574 165,574
Financial transactions -14,557 246 0 246 -12,544 0 0 -12,544 -12,544
Other changes -1,220 -2,447 -1,685 -762 -445 0 0 -445 -445
Price changes and revaluations -1,220 -2,447 -1,685 -762 -445 0 0 -445 -445
Other volume changes 0 0 0 0 0 0 0 0 0
Closing balance sheet 385,757 71,076 55,136 15,940 152,585 0 0 152,585 152,585
Consolidated Opening balance sheet 401,534 73,277 56,821 16,456 165,574 0 0 165,574 165,574
Financial transactions -14,557 246 0 246 -12,544 0 0 -12,544 -12,544
Other changes -1,220 -2,447 -1,685 -762 -445 0 0 -445 -445
Price changes and revaluations -1,220 -2,447 -1,685 -762 -445 0 0 -445 -445
Other volume changes 0 0 0 0 0 0 0 0 0
Closing balance sheet 385,757 71,076 55,136 15,940 152,585 0 0 152,585 152,585
Deposit-taking corporations and MMFs Not consolidated Opening balance sheet 2,923,493 744,793 1,239 356,621 386,933 386,933
Financial transactions 201,546 69,317 7 7,347 61,963 61,963
Other changes -151,843 -10,859 0 -2,084 -8,775 -8,775
Price changes and revaluations -151,578 -10,859 0 -2,084 -8,775 -8,775
Other volume changes -265 0 0 0 0 0
Closing balance sheet 2,973,196 803,251 1,246 361,884 440,121 440,121
Consolidated Opening balance sheet 2,907,909 736,749 1,239 354,720 380,790 380,790
Financial transactions 200,056 68,774 7 6,962 61,805 61,805
Other changes -151,790 -10,821 0 -2,078 -8,743 -8,743
Price changes and revaluations -151,525 -10,821 0 -2,078 -8,743 -8,743
Other volume changes -265 0 0 0 0 0
Closing balance sheet 2,956,175 794,702 1,246 359,604 433,852 433,852
Deposit-taking corporations Not consolidated Opening balance sheet 2,921,699 744,479 1,239 356,346 386,894 386,894
Financial transactions 201,540 69,445 7 7,475 61,963 61,963
Other changes -151,843 -10,858 0 -2,083 -8,775 -8,775
Price changes and revaluations -151,578 -10,858 0 -2,083 -8,775 -8,775
Other volume changes -265 0 0 0 0 0
Closing balance sheet 2,971,396 803,066 1,246 361,738 440,082 440,082
Consolidated Opening balance sheet 2,906,309 736,559 1,239 354,530 380,790 380,790
Financial transactions 200,058 68,900 7 7,088 61,805 61,805
Other changes -151,791 -10,821 0 -2,078 -8,743 -8,743
Price changes and revaluations -151,526 -10,821 0 -2,078 -8,743 -8,743
Other volume changes -265 0 0 0 0 0
Closing balance sheet 2,954,576 794,638 1,246 359,540 433,852 433,852
Money Market Funds Not consolidated Opening balance sheet 1,794 314 0 275 39 39
Financial transactions 6 -128 0 -128 0 0
Other changes 0 -1 0 -1 0 0
Price changes and revaluations 0 -1 0 -1 0 0
Other volume changes 0 0 0 0 0 0
Closing balance sheet 1,800 185 0 146 39 39
Consolidated Opening balance sheet 1,794 314 0 275 39 39
Financial transactions 6 -128 0 -128 0 0
Other changes 0 -1 0 -1 0 0
Price changes and revaluations 0 -1 0 -1 0 0
Other volume changes 0 0 0 0 0 0
Closing balance sheet 1,800 185 0 146 39 39
Other financial institutions Not consolidated Opening balance sheet 6,455,215 196,958 626 88,604 107,728 107,728
Financial transactions -7,302 -2,316 37 631 -2,984 -2,984
Other changes -57,959 -2,029 0 -844 -1,185 -1,185
Price changes and revaluations -57,959 -2,029 0 -844 -1,185 -1,185
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 September 23rd, 2025:
Data of the second quarter 2025 have been added.

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.