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 -10,250 15,612
The non-financial corporations sector 1,506 2,312
Financial corporations -2,502 934
Monetary financial institutions -163 -56
Central bank 0 0
Deposit-taking corporations and MMFs -163 -56
Other financial institutions -2,339 945
Non-MMF investment funds 0 -100
Other fin. inst. excl. investment funds -2,339 1,045
Other fin. intermediaries, auxiliairies -1,890 -46
Other financial intermediaries -1,945 -34
Financial auxiliaries 55 -12
Captive institutions and money lenders -449 1,091
Insurance corporations and pension funds 0 45
Insurance corporations 0 51
Pension funds 0 -6
General government -9,254 496
Central government -9,410 250
Local government 156 246
Social security funds 0 0
Households including NPISHs 0 11,870
Rest of the world 6,360 5,501
The non-financial corporations sector Total domestic sectors 0 -859
The non-financial corporations sector -2 -657
Financial corporations 2 667
Monetary financial institutions -1 -33
Central bank 0 0
Deposit-taking corporations and MMFs -1 -33
Other financial institutions 3 707
Non-MMF investment funds 0 -43
Other fin. inst. excl. investment funds 3 750
Other fin. intermediaries, auxiliairies 2 -3
Other financial intermediaries 0 -50
Financial auxiliaries 2 47
Captive institutions and money lenders 1 753
Insurance corporations and pension funds 0 -7
Insurance corporations 0 -1
Pension funds 0 -6
General government 0 -3
Central government 0 -3
Local government 0 0
Social security funds 0 0
Households including NPISHs 0 -866
Rest of the world -464 1,201
Financial corporations Total domestic sectors -10,245 12,638
The non-financial corporations sector 1,503 -350
Financial corporations -2,463 251
Monetary financial institutions -139 -29
Central bank 0 0
Deposit-taking corporations and MMFs -139 -29
Other financial institutions -2,324 228
Non-MMF investment funds 0 -60
Other fin. inst. excl. investment funds -2,324 288
Other fin. intermediaries, auxiliairies -1,879 -50
Other financial intermediaries -1,943 9
Financial auxiliaries 64 -59
Captive institutions and money lenders -445 338
Insurance corporations and pension funds 0 52
Insurance corporations 0 52
Pension funds 0 0
General government -9,285 -14
Central government -9,441 50
Local government 156 -64
Social security funds 0 0
Households including NPISHs 0 12,751
Rest of the world 6,764 3,856
Monetary financial institutions Total domestic sectors -9,080 12,063
The non-financial corporations sector 230 376
Financial corporations -1,558 1,700
Monetary financial institutions 275 0
Central bank 0 0
Deposit-taking corporations and MMFs 275 0
Other financial institutions -1,833 1,700
Non-MMF investment funds 0 -5
Other fin. inst. excl. investment funds -1,833 1,705
Other fin. intermediaries, auxiliairies -1,858 1,367
Other financial intermediaries -1,824 1,398
Financial auxiliaries -34 -31
Captive institutions and money lenders 25 338
Insurance corporations and pension funds 0 0
Insurance corporations 0 0
Pension funds 0 0
General government -7,752 -37
Central government -7,908 50
Local government 156 -87
Social security funds 0 0
Households including NPISHs 0 10,024
Rest of the world 2,978 3,039
Central bank Total domestic sectors -8,608 0
The non-financial corporations sector 0 0
Financial corporations -230 0
Monetary financial institutions -230 0
Central bank 0 0
Deposit-taking corporations and MMFs -230 0
Other financial institutions 0 0
Non-MMF investment funds 0 0
Other fin. inst. excl. investment funds 0 0
Other fin. intermediaries, auxiliairies 0 0
Other financial intermediaries 0 0
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 December 24th, 2025:
Data of the third quarter 2025 have been added to this table.

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.