Net financial transactions of households represent the financial saving ratio, indicating the difference between financial assets acquired and liabilities incurred over a given period.
It is calculated as the difference between the net acquisition of financial assets and the net incurrence of liabilities over a given period. Financial assets include saving deposits, equity and shares, and bonds, while liabilities mainly consist of mortgage loans and consumer credit. The indicator captures the financial position of households and non-profit institutions serving households (NPISHs) in terms of their ability to accumulate net financial assets.
The indicator is measured as a percentage of household and NPISH net disposable income.
