Financial balance sheets and transactions by sectors; National Accounts

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Institutional sectors Not Consolidated or Consolidated Balance sheets and transactions 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) Liabilities Currency and deposits Total (million euros) Liabilities Currency and deposits Currency (million euros) Liabilities Currency and deposits Transferable deposits (million euros) Liabilities Currency and deposits Savings deposits and other deposits Total (million euros) Liabilities Currency and deposits Savings deposits and other deposits Savings deposits (million euros) Liabilities Currency and deposits Savings deposits and other deposits Other deposits (million euros)
Total domestic sectors Not consolidated Opening balance sheet 2,366,223 31,378 892,968 1,441,877 509,536 932,341 2,260,129 85,859 1,037,449 1,136,821 488,245 648,576
Financial transactions 100,098 1,877 33,835 64,386 15,989 48,397 96,343 935 10,054 85,354 15,301 70,053
Other changes -15,579 0 -4,694 -10,885 -65 -10,820 -22,695 0 -13,206 -9,489 -65 -9,424
Price changes and revaluations -15,579 0 -4,694 -10,885 -65 -10,820 -22,695 0 -13,206 -9,489 -65 -9,424
Other volume changes 0 0 0 0 0 0 0 0 0 0 0 0
Closing balance sheet 2,450,742 33,255 922,109 1,495,378 525,460 969,918 2,333,777 86,794 1,034,297 1,212,686 503,481 709,205
Consolidated Opening balance sheet 910,188 17 178,025 732,146 21,291 710,855 804,094 54,498 322,506 427,090 0 427,090
Financial transactions 84,135 4 31,160 52,971 688 52,283 80,380 -938 7,379 73,939 0 73,939
Other changes -12,626 0 -2,317 -10,309 0 -10,309 -19,742 0 -10,829 -8,913 0 -8,913
Price changes and revaluations -12,626 0 -2,317 -10,309 0 -10,309 -19,742 0 -10,829 -8,913 0 -8,913
Other volume changes 0 0 0 0 0 0 0 0 0 0 0 0
Closing balance sheet 981,697 21 206,868 774,808 21,979 752,829 864,732 53,560 319,056 492,116 0 492,116
The non-financial corporations sector Not consolidated Opening balance sheet 380,237 7,998 208,765 163,474 163,474
Financial transactions 2,621 497 6,676 -4,552 -4,552
Other changes -2,267 0 -1,892 -375 -375
Price changes and revaluations -2,267 0 -1,892 -375 -375
Other volume changes 0 0 0 0 0
Closing balance sheet 380,591 8,495 213,549 158,547 158,547
Consolidated Opening balance sheet 380,237 7,998 208,765 163,474 163,474
Financial transactions 2,621 497 6,676 -4,552 -4,552
Other changes -2,267 0 -1,892 -375 -375
Price changes and revaluations -2,267 0 -1,892 -375 -375
Other volume changes 0 0 0 0 0
Closing balance sheet 380,591 8,495 213,549 158,547 158,547
Financial corporations Not consolidated Opening balance sheet 1,230,331 2,370 470,176 757,785 757,785 2,161,233 85,859 941,749 1,133,625 488,245 645,380
Financial transactions 61,317 75 10,404 50,838 50,838 84,007 935 -2,204 85,276 15,301 69,975
Other changes -13,139 0 -2,694 -10,445 -10,445 -22,695 0 -13,206 -9,489 -65 -9,424
Price changes and revaluations -13,139 0 -2,694 -10,445 -10,445 -22,695 0 -13,206 -9,489 -65 -9,424
Other volume changes 0 0 0 0 0 0 0 0 0 0 0
Closing balance sheet 1,278,509 2,445 477,886 798,178 798,178 2,222,545 86,794 926,339 1,209,412 503,481 705,931
Consolidated Opening balance sheet 827,905 17 148,878 679,010 679,010 1,758,807 83,506 620,451 1,054,850 488,245 566,605
Financial transactions 82,934 4 27,578 55,352 55,352 105,624 864 14,970 89,790 15,301 74,489
Other changes -12,369 0 -2,128 -10,241 -10,241 -21,925 0 -12,640 -9,285 -65 -9,220
Price changes and revaluations -12,369 0 -2,128 -10,241 -10,241 -21,925 0 -12,640 -9,285 -65 -9,220
Other volume changes 0 0 0 0 0 0 0 0 0 0 0
Closing balance sheet 898,470 21 174,328 724,121 724,121 1,842,506 84,370 622,781 1,135,355 503,481 631,874
Monetary financial institutions Not consolidated Opening balance sheet 910,367 1,239 356,621 552,507 552,507 2,161,233 85,859 941,749 1,133,625 488,245 645,380
Financial transactions 56,773 7 7,347 49,419 49,419 84,007 935 -2,204 85,276 15,301 69,975
Other changes -11,304 0 -2,084 -9,220 -9,220 -22,695 0 -13,206 -9,489 -65 -9,424
Price changes and revaluations -11,304 0 -2,084 -9,220 -9,220 -22,695 0 -13,206 -9,489 -65 -9,424
Other volume changes 0 0 0 0 0 0 0 0 0 0 0
Closing balance sheet 955,836 1,246 361,884 592,706 592,706 2,222,545 86,794 926,339 1,209,412 503,481 705,931
Consolidated Opening balance sheet 646,803 17 100,888 545,898 545,898 1,897,669 84,637 686,016 1,127,016 488,245 638,771
Financial transactions 71,076 4 22,161 48,911 48,911 98,310 932 12,610 84,768 15,301 69,467
Other changes -11,266 0 -2,078 -9,188 -9,188 -22,657 0 -13,200 -9,457 -65 -9,392
Price changes and revaluations -11,266 0 -2,078 -9,188 -9,188 -22,657 0 -13,200 -9,457 -65 -9,392
Other volume changes 0 0 0 0 0 0 0 0 0 0 0
Closing balance sheet 706,613 21 120,971 585,621 585,621 1,973,322 85,569 685,426 1,202,327 503,481 698,846
Central bank Not consolidated Opening balance sheet 165,574 0 0 165,574 165,574 346,759 85,859 260,699 201 201
Financial transactions -12,544 0 0 -12,544 -12,544 -14,672 935 -15,533 -74 -74
Other changes -445 0 0 -445 -445 0 0 0 0 0
Price changes and revaluations -445 0 0 -445 -445 0 0 0 0 0
Other volume changes 0 0 0 0 0 0 0 0 0 0
Closing balance sheet 152,585 0 0 152,585 152,585 332,087 86,794 245,166 127 127
Consolidated Opening balance sheet 165,574 0 0 165,574 165,574 346,759 85,859 260,699 201 201
Financial transactions -12,544 0 0 -12,544 -12,544 -14,672 935 -15,533 -74 -74
Other changes -445 0 0 -445 -445 0 0 0 0 0
Price changes and revaluations -445 0 0 -445 -445 0 0 0 0 0
Other volume changes 0 0 0 0 0 0 0 0 0 0
Closing balance sheet 152,585 0 0 152,585 152,585 332,087 86,794 245,166 127 127
Deposit-taking corporations and MMFs Not consolidated Opening balance sheet 744,793 1,239 356,621 386,933 386,933 1,814,474 681,050 1,133,424 488,245 645,179
Financial transactions 69,317 7 7,347 61,963 61,963 98,679 13,329 85,350 15,301 70,049
Other changes -10,859 0 -2,084 -8,775 -8,775 -22,695 -13,206 -9,489 -65 -9,424
Price changes and revaluations -10,859 0 -2,084 -8,775 -8,775 -22,695 -13,206 -9,489 -65 -9,424
Other volume changes 0 0 0 0 0 0 0 0 0 0
Closing balance sheet 803,251 1,246 361,884 440,121 440,121 1,890,458 681,173 1,209,285 503,481 705,804
Consolidated Opening balance sheet 736,749 1,239 354,720 380,790 380,790 1,806,430 679,149 1,127,281 488,245 639,036
Financial transactions 68,774 7 6,962 61,805 61,805 98,136 12,944 85,192 15,301 69,891
Other changes -10,821 0 -2,078 -8,743 -8,743 -22,657 -13,200 -9,457 -65 -9,392
Price changes and revaluations -10,821 0 -2,078 -8,743 -8,743 -22,657 -13,200 -9,457 -65 -9,392
Other volume changes 0 0 0 0 0 0 0 0 0 0
Closing balance sheet 794,702 1,246 359,604 433,852 433,852 1,881,909 678,893 1,203,016 503,481 699,535
Deposit-taking corporations Not consolidated Opening balance sheet 744,479 1,239 356,346 386,894 386,894 1,814,474 681,050 1,133,424 488,245 645,179
Financial transactions 69,445 7 7,475 61,963 61,963 98,679 13,329 85,350 15,301 70,049
Other changes -10,858 0 -2,083 -8,775 -8,775 -22,695 -13,206 -9,489 -65 -9,424
Price changes and revaluations -10,858 0 -2,083 -8,775 -8,775 -22,695 -13,206 -9,489 -65 -9,424
Other volume changes 0 0 0 0 0 0 0 0 0 0
Closing balance sheet 803,066 1,246 361,738 440,082 440,082 1,890,458 681,173 1,209,285 503,481 705,804
Consolidated Opening balance sheet 736,559 1,239 354,530 380,790 380,790 1,806,554 679,234 1,127,320 488,245 639,075
Financial transactions 68,900 7 7,088 61,805 61,805 98,134 12,942 85,192 15,301 69,891
Other changes -10,821 0 -2,078 -8,743 -8,743 -22,658 -13,201 -9,457 -65 -9,392
Price changes and revaluations -10,821 0 -2,078 -8,743 -8,743 -22,658 -13,201 -9,457 -65 -9,392
Other volume changes 0 0 0 0 0 0 0 0 0 0
Closing balance sheet 794,638 1,246 359,540 433,852 433,852 1,882,030 678,975 1,203,055 503,481 699,574
Money Market Funds Not consolidated Opening balance sheet 314 0 275 39 39 0 0 0 0 0
Financial transactions -128 0 -128 0 0 0 0 0 0 0
Other changes -1 0 -1 0 0 0 0 0 0 0
Price changes and revaluations -1 0 -1 0 0 0 0 0 0 0
Other volume changes 0 0 0 0 0 0 0 0 0 0
Closing balance sheet 185 0 146 39 39 0 0 0 0 0
Consolidated Opening balance sheet 314 0 275 39 39 0 0 0 0 0
Financial transactions -128 0 -128 0 0 0 0 0 0 0
Other changes -1 0 -1 0 0 0 0 0 0 0
Price changes and revaluations -1 0 -1 0 0 0 0 0 0 0
Other volume changes 0 0 0 0 0 0 0 0 0 0
Closing balance sheet 185 0 146 39 39 0 0 0 0 0
Other financial institutions Not consolidated Opening balance sheet 196,958 626 88,604 107,728 107,728
Financial transactions -2,316 37 631 -2,984 -2,984
Other changes -2,029 0 -844 -1,185 -1,185
Price changes and revaluations -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
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.
Liabilities
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.