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)
Total domestic sectors Total domestic sectors Closing balance sheet 2023* 1,362,244 16,169 395,071 530,209 2,249,054 846,943 180,113 722,843
Total domestic sectors The non-financial corporations sector Closing balance sheet 2023* 0 559 8,459 366,213 877,402 0 91,370 0
Total domestic sectors Financial corporations Closing balance sheet 2023* 1,283,002 943 178,896 102,027 342,931 0 88,743 722,843
Total domestic sectors General government Closing balance sheet 2023* 79,242 14,667 207,706 13,762 70,016 0 0 0
Total domestic sectors Households including NPISHs Closing balance sheet 2023* 0 0 10 48,207 958,705 846,943 0 0
The non-financial corporations sector Total domestic sectors Closing balance sheet 2023* 322,603 26 29 290,259 536,165 4,083 27,726 11,969
The non-financial corporations sector The non-financial corporations sector Closing balance sheet 2023* 0 0 0 262,953 463,327 0 27,726 0
The non-financial corporations sector Financial corporations Closing balance sheet 2023* 322,502 26 29 26,402 39,545 0 0 11,969
The non-financial corporations sector General government Closing balance sheet 2023* 101 0 0 376 7,399 0 0 0
The non-financial corporations sector Households including NPISHs Closing balance sheet 2023* 0 0 0 528 25,894 4,083 0 0
Financial corporations Total domestic sectors Closing balance sheet 2023* 376,479 15,957 390,289 231,733 1,641,035 836,395 127,856 646,987
Financial corporations The non-financial corporations sector Closing balance sheet 2023* 0 559 7,657 102,672 403,741 0 49,391 0
Financial corporations Financial corporations Closing balance sheet 2023* 375,715 788 176,572 75,561 301,438 0 78,465 646,987
Financial corporations General government Closing balance sheet 2023* 764 14,610 206,050 5,915 46,612 0 0 0
Financial corporations Households including NPISHs Closing balance sheet 2023* 0 0 10 47,585 889,244 836,395 0 0
General government Total domestic sectors Closing balance sheet 2023* 94,947 110 2,046 8,128 59,680 1,345 273 130
General government The non-financial corporations sector Closing balance sheet 2023* 0 0 648 588 8,800 0 31 0
General government Financial corporations Closing balance sheet 2023* 16,601 110 885 64 1,740 0 242 130
General government General government Closing balance sheet 2023* 78,346 0 513 7,471 15,880 0 0 0
General government Households including NPISHs Closing balance sheet 2023* 0 0 0 5 33,260 1,345 0 0
Households including NPISHs Total domestic sectors Closing balance sheet 2023* 568,215 76 2,707 89 12,174 5,120 24,258 63,757
Households including NPISHs The non-financial corporations sector Closing balance sheet 2023* 0 0 154 0 1,534 0 14,222 0
Households including NPISHs Financial corporations Closing balance sheet 2023* 568,184 19 1,410 0 208 0 10,036 63,757
Households including NPISHs General government Closing balance sheet 2023* 31 57 1,143 0 125 0 0 0
Households including NPISHs Households including NPISHs Closing balance sheet 2023* 0 0 0 89 10,307 5,120 0 0
Source: CBS.
Explanation of symbols

Table explanation


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 annual figures from 1999 up to and including 2022 are final. Quarterly data from 2022 and further are provisional.

Changes as of June 24th 2024:
This is a new table. Statistics Netherlands has carried out a revision of the national accounts. The Dutch national accounts are recently revised. New statistical sources, methods and concepts are implemented in the national accounts, in order to align the picture of the Dutch economy with all underlying source data and international guidelines for the compilation of the national accounts. This table contains revised data. For further information see section 3.

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 financial accounts and stocks 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.

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.