National Accounts

Ratios of households and nonprofit organizations, reference 2018 (annual moving average)
Sel. Serie I.2013 II.2013 III.2013 IV.2013 I.2014 II.2014 III.2014 IV.2014 I.2015 II.2015 III.2015 IV.2015 I.2016 II.2016 III.2016 IV.2016 I.2017 II.2017 III.2017 IV.2017 I.2018 II.2018 III.2018 IV.2018 I.2019 II.2019 III.2019 IV.2019 I.2020 II.2020 III.2020 IV.2020 I.2021 II.2021 III.2021 IV.2021 I.2022 II.2022 III.2022 IV.2022 I.2023 II.2023 III.2023 IV.2023
Gross saving (percentage of GDP) 8.7 8.7 8.5 8.5 8.6 8.3 8.4 8.1 8.1 7.7 7.3 6.7 6.4 6.8 7.1 7.3 6.9 6.4 6.0 6.0 6.0 6.2 6.1 6.1 6.7 7.0 7.2 8.1 7.7 9.5 10.2 7.6 6.5 4.4 3.9 5.1 3.6 1.7 0.2 -0.6 1.2 3.2 4.5 4.7
Net lending / Net borrowing (percentage of GDP ) 5.4 5.5 5.2 5.3 5.4 5.2 5.3 5.1 5.1 4.8 4.2 3.7 3.2 3.6 3.9 4.0 3.8 3.4 3.1 3.2 3.2 3.3 3.1 3.1 3.7 3.9 4.2 5.2 4.7 6.7 7.6 5.2 4.2 2.2 1.5 2.5 1.0 -1.0 -2.4 -2.9 -0.9 1.2 2.5 2.6
Net financial assets (percentage of GDP) 115.2 115.3 116.2 118.6 122.0 124.8 129.5 130.3 131.4 130.3 131.1 131.8 131.7 131.3 133.3 131.8 135.6 134.7 133.7 133.0 132.3 132.2 134.3 132.8 136.2 139.3 143.2 146.3 136.8 150.8 150.1 147.8 146.3 137.7 132.2 130.5 121.7 123.1 120.0 119.9 115.8 115.9 116.4 120.1
Debt (percentage of GDP) 37.8 38.2 38.6 39.5 40.0 40.5 40.7 41.6 41.5 42.1 42.5 43.7 43.8 44.3 44.4 44.9 45.5 45.8 45.9 46.4 46.5 46.8 47.5 48.6 49.2 50.0 50.6 51.2 51.3 51.5 51.3 50.7 50.3 48.9 47.6 47.4 47.2 48.0 48.3 49.0 48.7 48.5 48.3 48.8
      Mortgage bank debt (percentage of GDP) 18.9 19.0 19.3 19.7 20.1 20.5 20.8 21.3 21.4 21.9 22.4 22.9 23.1 23.3 23.4 23.6 23.9 24.2 24.3 24.5 24.5 24.6 24.9 25.3 25.6 26.1 26.5 27.3 27.7 28.5 28.7 28.7 28.8 28.1 27.4 27.3 27.1 27.6 28.1 28.4 28.2 28.2 28.1 28.5
      Consumer bank debt (percentage of GDP) 10.8 11.1 11.2 11.4 11.4 11.6 11.6 11.6 11.5 11.5 11.6 11.7 11.7 11.9 12.0 12.0 12.0 12.1 12.0 11.9 11.9 12.0 12.1 12.2 12.2 12.4 12.5 12.3 12.0 11.6 11.1 10.6 10.2 9.7 9.3 9.1 9.1 9.2 9.1 9.2 9.1 9.0 9.0 9.0
      Non-bank debt (percentage of GDP) 8.1 8.1 8.0 8.4 8.5 8.4 8.3 8.7 8.7 8.7 8.6 9.0 9.1 9.0 9.0 9.4 9.6 9.6 9.6 10.1 10.2 10.3 10.5 11.1 11.4 11.4 11.6 11.6 11.7 11.4 11.5 11.4 11.3 11.1 10.8 10.9 11.0 11.1 11.1 11.4 11.4 11.2 11.2 11.3
Gross saving (percentage of disposable income) 13.5 13.5 13.2 13.1 13.2 12.8 12.9 12.5 12.5 11.9 11.3 10.4 9.9 10.4 10.8 11.1 10.5 9.8 9.3 9.5 9.5 9.7 9.5 9.5 10.3 10.7 11.1 12.4 11.9 14.9 15.8 12.2 10.7 7.3 6.4 8.0 5.7 2.7 0.3 -1.0 2.0 5.2 7.3 7.6
Net lending / Net borrowing (percentage of disposable income) 8.4 8.5 8.1 8.1 8.3 8.0 8.1 7.9 7.9 7.4 6.6 5.7 5.0 5.5 6.0 6.2 5.7 5.2 4.9 5.0 5.1 5.2 4.9 4.8 5.7 6.0 6.4 7.9 7.2 10.4 11.8 8.4 7.0 3.6 2.5 4.0 1.6 -1.5 -3.9 -4.9 -1.5 1.9 4.0 4.2
Net financial assets (percentage of disposable income) 178.9 178.4 179.8 182.5 187.5 192.3 198.9 201.0 202.8 201.6 203.6 205.0 205.1 202.4 203.9 201.0 206.4 207.3 208.1 208.2 208.6 208.0 210.6 207.3 210.7 214.5 220.4 224.0 212.4 234.7 233.6 238.4 239.8 226.5 214.6 205.5 191.8 197.8 197.7 201.1 192.2 188.9 187.7 193.5
Debt (percentage of disposable income) 58.7 59.1 59.7 60.8 61.5 62.4 62.5 64.2 64.1 65.1 66.0 67.9 68.3 68.2 67.9 68.5 69.3 70.5 71.4 72.7 73.3 73.7 74.5 75.9 76.1 77.0 77.9 78.4 79.7 80.2 79.8 81.8 82.4 80.4 77.2 74.6 74.4 77.1 79.6 82.2 80.8 79.0 77.8 78.6
      Mortgage bank debt (percentage of disposable income) 29.4 29.5 29.9 30.3 30.9 31.6 32.0 32.9 33.0 33.9 34.7 35.6 35.9 35.9 35.8 36.0 36.5 37.2 37.8 38.3 38.6 38.7 39.1 39.5 39.5 40.2 40.8 41.8 43.0 44.3 44.7 46.3 47.2 46.2 44.5 43.0 42.8 44.3 46.2 47.6 46.8 46.0 45.4 46.0
      Consumer bank debt (percentage of disposable income) 16.8 17.1 17.4 17.5 17.5 17.8 17.8 17.9 17.7 17.8 18.0 18.2 18.2 18.4 18.3 18.3 18.3 18.6 18.7 18.7 18.7 18.9 19.0 19.1 18.9 19.1 19.2 18.9 18.6 18.1 17.2 17.1 16.8 16.0 15.1 14.4 14.3 14.8 15.0 15.5 15.1 14.7 14.5 14.5
      Non-bank debt (percentage of disposable income) 12.6 12.5 12.4 13.0 13.1 13.0 12.7 13.4 13.4 13.4 13.3 14.1 14.1 13.9 13.7 14.3 14.6 14.7 14.9 15.7 16.0 16.2 16.4 17.3 17.6 17.6 17.8 17.7 18.1 17.8 17.9 18.5 18.5 18.2 17.5 17.1 17.3 17.9 18.3 19.1 18.9 18.3 18.0 18.2