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 19,824,125 66,726 49,448 17,278 2,239,948 30,530 851,059 1,358,359 500,158 858,201
Financial transactions 900,255 74 0 74 165,065 6,537 8,430 150,098 40,393 109,705
Other changes -747,327 21,571 22,804 -1,233 -31,553 0 -6,844 -24,709 -105 -24,604
Price changes and revaluations -749,890 21,571 22,804 -1,233 -24,247 0 -6,844 -17,403 -105 -17,298
Other volume changes 2,563 0 0 0 -7,306 0 0 -7,306 0 -7,306
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
Financial transactions 788,639 74 0 74 145,507 1 36,859 108,647 4,510 104,137
Other changes -581,187 21,571 22,804 -1,233 -26,856 0 -3,059 -23,797 0 -23,797
Price changes and revaluations -582,568 21,571 22,804 -1,233 -19,550 0 -3,059 -16,491 0 -16,491
Other volume changes 1,381 0 0 0 -7,306 0 0 -7,306 0 -7,306
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
Financial transactions 82,280 7,717 1,700 4,099 1,918 1,918
Other changes -69,810 -3,795 0 -3,273 -522 -522
Price changes and revaluations -72,189 -3,795 0 -3,273 -522 -522
Other volume changes 2,379 0 0 0 0 0
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
Financial transactions 100,605 7,717 1,700 4,099 1,918 1,918
Other changes -80,398 -3,795 0 -3,273 -522 -522
Price changes and revaluations -80,660 -3,795 0 -3,273 -522 -522
Other volume changes 262 0 0 0 0 0
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
Financial transactions 698,558 74 0 74 92,775 368 -9,534 101,941 101,941
Other changes -548,569 21,571 22,804 -1,233 -27,478 0 -3,396 -24,082 -24,082
Price changes and revaluations -548,942 21,571 22,804 -1,233 -20,172 0 -3,396 -16,776 -16,776
Other volume changes 373 0 0 0 -7,306 0 0 -7,306 -7,306
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
Financial transactions 760,684 74 0 74 144,009 1 38,068 105,940 105,940
Other changes -529,044 21,571 22,804 -1,233 -26,349 0 -2,568 -23,781 -23,781
Price changes and revaluations -528,385 21,571 22,804 -1,233 -19,043 0 -2,568 -16,475 -16,475
Other volume changes -659 0 0 0 -7,306 0 0 -7,306 -7,306
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
Financial transactions 525,618 74 0 74 58,556 136 -16,213 74,633 74,633
Other changes -445,517 21,571 22,804 -1,233 -24,977 0 -2,615 -22,362 -22,362
Price changes and revaluations -445,890 21,571 22,804 -1,233 -17,671 0 -2,615 -15,056 -15,056
Other volume changes 373 0 0 0 -7,306 0 0 -7,306 -7,306
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
Financial transactions 572,578 74 0 74 105,832 1 29,918 75,913 75,913
Other changes -448,799 21,571 22,804 -1,233 -24,930 0 -2,606 -22,324 -22,324
Price changes and revaluations -449,172 21,571 22,804 -1,233 -17,624 0 -2,606 -15,018 -15,018
Other volume changes 373 0 0 0 -7,306 0 0 -7,306 -7,306
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
Financial transactions -44,889 74 0 74 -29,209 0 0 -29,209 -29,209
Other changes 19,878 21,571 22,804 -1,233 -142 0 0 -142 -142
Price changes and revaluations 19,878 21,571 22,804 -1,233 -142 0 0 -142 -142
Other volume changes 0 0 0 0 0 0 0 0 0
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
Financial transactions -44,889 74 0 74 -29,209 0 0 -29,209 -29,209
Other changes 19,878 21,571 22,804 -1,233 -142 0 0 -142 -142
Price changes and revaluations 19,878 21,571 22,804 -1,233 -142 0 0 -142 -142
Other volume changes 0 0 0 0 0 0 0 0 0
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
Financial transactions 570,507 87,765 136 -16,213 103,842 103,842
Other changes -465,395 -24,835 0 -2,615 -22,220 -22,220
Price changes and revaluations -465,768 -17,529 0 -2,615 -14,914 -14,914
Other volume changes 373 -7,306 0 0 -7,306 -7,306
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
Financial transactions 567,915 88,444 136 -16,585 104,893 104,893
Other changes -468,551 -24,789 0 -2,606 -22,183 -22,183
Price changes and revaluations -468,924 -17,483 0 -2,606 -14,877 -14,877
Other volume changes 373 -7,306 0 0 -7,306 -7,306
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
Financial transactions 569,272 87,623 136 -16,355 103,842 103,842
Other changes -465,396 -24,835 0 -2,615 -22,220 -22,220
Price changes and revaluations -465,769 -17,529 0 -2,615 -14,914 -14,914
Other volume changes 373 -7,306 0 0 -7,306 -7,306
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
Financial transactions 566,869 88,402 136 -16,627 104,893 104,893
Other changes -468,552 -24,789 0 -2,606 -22,183 -22,183
Price changes and revaluations -468,925 -17,483 0 -2,606 -14,877 -14,877
Other volume changes 373 -7,306 0 0 -7,306 -7,306
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
Financial transactions 1,235 142 0 142 0 0
Other changes 1 0 0 0 0 0
Price changes and revaluations 1 0 0 0 0 0
Other volume changes 0 0 0 0 0 0
Closing balance sheet 2,916 371 0 332 39 39
Consolidated Opening balance sheet 1,680 229 0 190 39 39
Financial transactions 1,235 142 0 142 0 0
Other changes 1 0 0 0 0 0
Price changes and revaluations 1 0 0 0 0 0
Other volume changes 0 0 0 0 0 0
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
Financial transactions 134,286 -4,804 127 2,091 -7,022 -7,022
Other changes -88,748 -2,746 0 -1,085 -1,661 -1,661
Price changes and revaluations -88,748 -2,746 0 -1,085 -1,661 -1,661
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.