Financial instruments: From-whom-to-whom matrices; National Accounts

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Sectors (assets) Counterpart sectors (liabilities) Long-term securities (million euros) Long-term loans (million euros)
Total domestic sectors Total domestic sectors -5,509 55,478
The non-financial corporations sector 2,720 9,682
Financial corporations -6,556 -168
Monetary financial institutions -925 -3,400
Central bank 0 0
Deposit-taking corporations and MMFs -925 -3,400
Other financial institutions -5,631 3,368
Non-MMF investment funds -1 326
Other fin. inst. excl. investment funds -5,630 3,042
Other fin. intermediaries, auxiliairies -5,341 3,320
Other financial intermediaries -5,368 2,898
Financial auxiliaries 27 422
Captive institutions and money lenders -289 -278
Insurance corporations and pension funds 0 -136
Insurance corporations 0 -103
Pension funds 0 -33
General government -1,673 1,588
Central government -1,759 801
Local government 86 790
Social security funds 0 -3
Households including NPISHs 0 44,376
Rest of the world 38,880 48,469
The non-financial corporations sector Total domestic sectors 12 -19,887
The non-financial corporations sector 2 -15,019
Financial corporations 10 -1,390
Monetary financial institutions -1 -20
Central bank 0 0
Deposit-taking corporations and MMFs -1 -20
Other financial institutions 11 -1,337
Non-MMF investment funds 0 7
Other fin. inst. excl. investment funds 11 -1,344
Other fin. intermediaries, auxiliairies 9 288
Other financial intermediaries 0 -67
Financial auxiliaries 9 355
Captive institutions and money lenders 2 -1,632
Insurance corporations and pension funds 0 -33
Insurance corporations 0 0
Pension funds 0 -33
General government 0 -12
Central government 0 -11
Local government 0 -1
Social security funds 0 0
Households including NPISHs 0 -3,466
Rest of the world -532 11,224
Financial corporations Total domestic sectors -5,500 62,615
The non-financial corporations sector 2,724 12,996
Financial corporations -6,477 1,263
Monetary financial institutions -879 -3,386
Central bank 0 0
Deposit-taking corporations and MMFs -879 -3,386
Other financial institutions -5,598 4,721
Non-MMF investment funds -1 350
Other fin. inst. excl. investment funds -5,597 4,371
Other fin. intermediaries, auxiliairies -5,331 3,017
Other financial intermediaries -5,366 2,950
Financial auxiliaries 35 67
Captive institutions and money lenders -266 1,354
Insurance corporations and pension funds 0 -72
Insurance corporations 0 -72
Pension funds 0 0
General government -1,747 -189
Central government -1,833 191
Local government 86 -380
Social security funds 0 0
Households including NPISHs 0 48,545
Rest of the world 39,281 35,797
Monetary financial institutions Total domestic sectors -7,466 52,656
The non-financial corporations sector 919 9,360
Financial corporations -5,380 6,451
Monetary financial institutions -403 0
Central bank 0 0
Deposit-taking corporations and MMFs -403 0
Other financial institutions -4,977 6,451
Non-MMF investment funds 0 349
Other fin. inst. excl. investment funds -4,977 6,102
Other fin. intermediaries, auxiliairies -5,137 4,748
Other financial intermediaries -5,137 4,761
Financial auxiliaries 0 -13
Captive institutions and money lenders 160 1,354
Insurance corporations and pension funds 0 0
Insurance corporations 0 0
Pension funds 0 0
General government -3,005 -127
Central government -3,092 192
Local government 87 -319
Social security funds 0 0
Households including NPISHs 0 36,972
Rest of the world 15,151 15,110
Central bank Total domestic sectors -11,647 -71
The non-financial corporations sector 0 0
Financial corporations -3,007 -71
Monetary financial institutions -3,007 0
Central bank 0 0
Deposit-taking corporations and MMFs -3,007 0
Other financial institutions 0 -71
Non-MMF investment funds 0 0
Other fin. inst. excl. investment funds 0 -71
Other fin. intermediaries, auxiliairies 0 -71
Other financial intermediaries 0 -71
Financial auxiliaries 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 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.

Description topics

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.
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.