What does France household financial wealth measure?

France household financial wealth measures the total outstanding financial assets and liabilities held by French households, alongside their net quarterly investment flows, as compiled by the Banque de France.

Which financial assets are included in this French dataset?

The dataset includes banknotes and coins, bank deposits, regulated savings accounts, debt securities, listed and unlisted shares, investment fund shares, and life insurance entitlements.

How far back does the French household wealth data go?

The quarterly series for France's household financial wealth and investment flows are available in this table starting from 1995.

What is the difference between outstanding amounts and investment flows?

Outstanding amounts represent the total value of financial assets and liabilities held at a specific point in time, while investment flows measure the net acquisition or transaction value during a quarter.

France household financial wealth

Name: France household financial wealth
Creator: Banque de France – Webstat (webstat.banque-france.fr)
License: https://creativecommons.org/licenses/by/4.0/

France's household financial wealth, outstanding assets, liabilities and quarterly investment flows.

Source: Banque de France – Webstat (webstat.banque-france.fr)Last updated: Sep 15, 2026, 10:36Curated by Bui Thanh PhucAbout this data ↓

Indicator	Q1-2026	Q4-2025	Q3-2025	Q2-2025	Q1-2025	Q4-2024	Q3-2024	Q2-2024	Q1-2024	Q4-2023	Q3-2023	Q2-2023	Q1-2023
Financial assets, outstanding amounts1
Total7	7,289,358	7,308,824	7,274,840	7,214,820	7,148,860	7,087,946	7,152,142	7,026,459	7,094,787	6,907,064	6,702,198	6,786,480	6,712,851
Currency and deposits3	2,128,422	2,126,347	2,134,151	2,126,843	2,112,391	2,107,624	2,116,043	2,107,144	2,082,627	2,077,737	2,081,142	2,062,206	2,042,768
Banknotes and coins	154,357	152,412	149,167	145,543	141,975	139,981	136,673	133,307	129,189	128,125	125,441	123,167	119,579
Transferable deposits	610,701	605,297	613,335	612,683	601,814	597,268	609,992	611,981	602,462	613,645	639,811	646,825	653,846
Other deposits	1,363,364	1,368,638	1,371,649	1,368,618	1,368,602	1,370,375	1,369,378	1,361,856	1,350,975	1,335,968	1,315,891	1,292,214	1,269,342
Debt securities	56,182	54,834	54,398	54,101	53,870	55,872	54,236	54,211	53,083	50,129	45,914	42,908	40,041
Loans	13,076	11,456	11,381	12,103	10,877	11,288	11,373	11,634	11,649	11,656	10,547	11,336	10,820
Equity and investment fund shares3	2,191,127	2,232,157	2,217,213	2,173,983	2,208,244	2,162,833	2,218,308	2,148,312	2,241,640	2,122,820	2,011,244	2,084,770	2,052,115
Listed shares	269,839	263,340	298,492	310,167	316,669	319,800	329,346	316,248	340,251	323,745	313,540	326,251	318,752
Unlisted shares and other equity	1,444,392	1,507,389	1,474,432	1,439,396	1,467,707	1,433,518	1,475,638	1,434,111	1,520,735	1,443,387	1,351,474	1,412,742	1,391,203
Investment fund shares2	476,896	461,429	444,290	424,420	423,868	409,516	413,325	397,953	380,655	355,687	346,231	345,777	342,160
Money market fund shares	29,329	25,727	26,000	25,988	24,326	23,660	22,411	20,343	18,268	16,035	12,956	10,796	8,000
Non-money market fund shares	447,567	435,702	418,289	398,432	399,542	385,856	390,914	377,609	362,387	339,653	333,275	334,980	334,160
Insurance, pension and standardised guarantee schemes3	2,292,821	2,285,063	2,267,070	2,245,556	2,207,094	2,194,626	2,189,046	2,140,823	2,150,784	2,113,511	2,030,126	2,063,276	2,038,864
Life insurance entitlements	1,941,421	1,937,443	1,917,228	1,898,355	1,861,884	1,859,238	1,851,490	1,808,649	1,818,208	1,792,399	1,713,569	1,745,456	1,724,576
Pension entitlements	234,129	239,879	236,295	231,014	229,306	229,650	226,942	222,790	222,012	219,446	216,287	215,273	212,358
Non-life insurance technical reserves and standardised guarantees	117,271	107,742	113,547	116,188	115,904	105,738	110,614	109,384	110,565	101,667	100,270	102,547	101,930
Financial derivatives and employee stock options	138	1,866	1,819	2,321	2,406	2,270	1,880	1,459	1,154	796	982	916	848
Other accounts receivable or payable	607,593	597,102	588,807	599,912	553,978	553,432	561,255	562,878	553,849	530,414	522,243	521,069	527,395
Liabilities, outstanding amounts1
Total2	2,116,938	2,114,002	2,109,538	2,113,922	2,102,697	2,103,667	2,108,305	2,103,303	2,118,999	2,112,225	2,106,136	2,102,760	2,108,069
Loans2	1,777,888	1,780,372	1,776,242	1,770,608	1,766,139	1,767,688	1,762,059	1,759,700	1,760,714	1,767,159	1,767,514	1,764,305	1,755,480
Short-term loans	33,955	34,946	32,751	32,671	31,642	32,585	30,567	30,391	30,173	31,849	32,103	32,582	32,600
Long-term loans	1,743,933	1,745,427	1,743,491	1,737,937	1,734,497	1,735,103	1,731,492	1,729,309	1,730,541	1,735,310	1,735,411	1,731,723	1,722,880
Financial derivatives and employee stock options	255	2,010	1,963	2,508	2,657	2,661	2,003	1,716	1,381	909	1,360	1,153	1,142
Net acquisition of financial assets (quarterly flows)1
Total5	58,621	13,740	18,442	100,286	43,545	1,852	30,624	68,249	58,345	21,811	35,093	42,565	44,050
Currency and deposits	-2,228	-7,792	7,389	15,228	5,121	-9,188	9,013	24,234	5,226	-3,350	18,477	19,207	18,671
Debt securities	-1,377	45	184	548	-164	1,001	-354	1,170	2,703	3,358	3,007	2,968	1,283
Equity and investment fund shares3	10,343	248	4,761	15,818	6,244	8,386	11,720	19,357	2,189	5,957	11,439	16,870	463
Listed shares	2,510	-2,988	1,781	1,277	-619	302	3,113	3,757	-4,533	-11,883	1,657	1,113	-770
Unlisted shares and other equity	3,679	-733	639	2,042	1,580	2,705	1,640	1,693	1,956	17,282	6,158	8,485	2,809
Investment fund shares	4,155	3,969	2,341	12,499	5,283	5,379	6,968	13,907	4,766	558	3,624	7,272	-1,577
Insurance, pension and standardised guarantee schemes1	38,311	12,752	18,303	21,674	31,679	9,180	11,612	14,070	23,731	4,992	1,680	9,244	16,630
Life insurance entitlements	30,087	14,711	16,435	21,954	19,947	10,165	10,361	11,362	16,103	11,581	-2,775	5,604	9,621
Other accounts receivable or payable	12,002	8,295	-11,105	45,934	546	-7,823	-1,623	9,028	24,097	9,819	1,173	-6,329	6,852
Net incurrence of liabilities (quarterly flows)1
Total2	6,302	5,465	-3,417	12,366	397	-4,504	5,898	-15,232	9,522	7,975	3,721	-4,895	29,809
Loans2	-2,669	5,032	6,421	5,619	-656	5,769	3,134	-662	-5,452	1,570	3,508	9,198	8,135
Short-term loans	-1,023	2,194	87	1,098	-914	1,966	196	208	-1,672	-246	-496	-24	-1,445
Long-term loans	-1,646	2,838	6,334	4,521	258	3,803	2,938	-870	-3,779	1,817	4,003	9,222	9,579
Other accounts receivable or payable1	9,004	288	-9,473	6,905	583	-10,925	2,356	-15,017	14,422	6,666	-43	-14,148	21,527
Trade credits and advances	-1,626	3,039	509	586	-1,696	1,386	882	1,111	-863	1,928	924	828	-1,024
Financial investment flows2
Outstanding amounts1
Main financial investments, total3	6,551.3	6,590.5	6,559.3	6,484.3	6,465.7	6,415.3	6,466.8	6,340.9	6,417.6	6,262.4	6,068.2	6,150.6	6,071.9
Interest-bearing products6	3,922.3	3,911.4	3,919.7	3,895.4	3,868.1	3,863.3	3,863.3	3,828	3,793.1	3,759.3	3,729.4	3,717.4	3,676.4
Currency and sight deposits	769.91	762.95	767.26	762.96	748.32	742.18	751.92	750.42	736.64	746.61	769.99	774.66	777.95
Interest-bearing bank deposits2	1,358.5	1,363.3	1,366.9	1,363.8	1,364.1	1,365.4	1,364.1	1,356.7	1,346	1,331.1	1,311.1	1,287.5	1,264.9
Regulated savings accounts	938.85	947.52	952.13	953.25	954.94	955.68	953.21	946.97	942.37	935.54	926.07	915	902.55
Term deposits and ordinary savings accounts	419.7	415.8	414.8	410.5	409.2	409.7	410.9	409.7	403.6	395.6	385	372.5	362.3
Debt securities held directly	56.18	54.83	54.4	54.1	53.87	55.87	54.24	54.21	53.08	50.13	45.91	42.91	40.04
Money market funds	29.33	25.73	26	25.99	24.33	23.66	22.41	20.34	18.27	16.04	12.96	10.8	8
Euro-denominated life insurance and pension entitlements	1,572.71	1,570.56	1,572.75	1,561.44	1,549.9	1,550.04	1,539.74	1,518.95	1,520.46	1,503.08	1,475.27	1,489.02	1,472.78
Debt securities held through investment funds	135.72	134.01	132.38	127.11	127.57	126.13	131.01	127.48	118.58	112.37	114.13	112.5	112.81
Equity products4	2,511.6	2,576	2,539.8	2,493.3	2,502.6	2,459.9	2,515.7	2,427.9	2,546	2,427.3	2,267.2	2,361.5	2,321.1
Listed shares	269.84	263.34	298.49	310.17	316.67	319.8	329.35	316.25	340.25	323.75	313.54	326.25	318.75
Unlisted shares and other equity	1,444.39	1,507.39	1,474.43	1,439.4	1,467.71	1,433.52	1,475.64	1,434.11	1,520.74	1,443.39	1,351.47	1,412.74	1,391.2
Unit-linked life insurance and pension entitlements	602.9	606.7	580.8	568	541.3	538.9	538.7	512.5	519.7	508.7	454.6	471.7	464.1
Shares held through investment funds	194.5	198.58	186.14	175.73	176.88	167.7	172.12	165.15	165.32	151.51	147.6	150.75	147.02
Other investments1	117.4	103.1	99.8	95.6	95	92.1	87.8	85	78.5	75.8	71.6	71.7	74.4
Real estate funds	30.25	30.64	29.98	29.43	29.43	26.86	27.12	27.48	22.89	25.03	23.55	23.65	26.62
Net flows over the last four quarters1
Main financial investments, total3	129.9	128.37	131.6	130.3	136.9	129.3	127.31	132.72	120.6	125.02	135.23	137.8	159.91
Interest-bearing products6	73.76	74.97	71.39	66.72	72.29	75.5	76.32	81.37	68.23	68.59	75.06	83.04	92.33
Currency and sight deposits	17.82	21.35	15.57	12.71	11.26	-4.61	-18.05	-24.53	-41.59	-50.63	-48.65	-37.81	-14.61
Interest-bearing bank deposits2	-5.22	-1.4	2.99	7.47	17.92	33.9	53.17	69.12	81.15	103.64	104.65	105.06	90.94
Regulated savings accounts	-16.1	-8.17	-1.08	6.28	12.57	20.14	27.14	31.98	39.82	61.41	63.73	66.22	57.42
Term deposits and ordinary savings accounts	10.87	6.77	4.07	1.18	5.35	13.76	26.03	37.14	41.33	42.23	40.91	38.83	33.52
Debt securities held directly	-0.6	0.61	1.57	1.03	1.65	4.52	6.88	10.24	12.04	10.62	9.15	8.42	8.19
Money market funds	2.73	2.23	3.75	5.8	6.2	8.12	9.95	10.05	10.77	9.9	8.79	6.93	3.96
Euro-denominated life insurance and pension entitlements	52.22	46.97	44.36	37.06	32.33	28.21	19.82	12.88	3.22	-4.33	0.73	-0.3	1.6
Debt securities held through investment funds	6.82	5.22	3.17	2.66	2.93	5.36	4.55	3.61	2.65	-0.6	0.4	0.74	2.25
Equity products4	50.01	44.11	48.71	50.81	50.26	43.84	43.66	43.67	50.33	54.1	59.7	57.62	64.61
Listed shares	2.58	-0.55	2.74	4.07	6.55	2.64	-9.55	-11	-13.65	-9.88	-0.67	-1.23	5.61
Unlisted shares and other equity	5.63	3.53	6.97	7.97	7.62	7.99	22.57	27.09	33.88	34.73	28.02	23.7	22.58
Unit-linked life insurance and pension entitlements	34.51	33.77	31.92	29.87	28.03	25.63	26.27	26.07	29.34	31	32.56	34.36	33.85
Shares held through investment funds	7.29	7.36	7.09	8.9	8.06	7.57	4.36	1.51	0.76	-1.75	-0.21	0.78	2.57
Other investments1	6.13	9.28	11.5	12.77	14.35	9.97	7.34	7.69	2.04	2.34	0.47	-2.85	2.97
Real estate funds	1.43	3.79	4.31	5.21	5.99	1.71	1.91	3.72	-0.03	2.53	1.98	0.49	3.3

Latest reading

Total stood at 7,289,358 EUR million in Q1 2026. That is −0.3% from Q4 2025 and +2.0% from a year earlier. The series on this page is quarterly and runs from Q4 1995 to Q1 2026. Source: Banque de France – Webstat (webstat.banque-france.fr).

Latest: 7,289,358 EUR million; Q1 2026
vs previous period: −0.3%; Q4 2025
vs a year earlier: +2.0%

About this data

France's household financial wealth, outstanding assets, liabilities and quarterly investment flows. Published quarterly by the Banque de France, this dataset tracks currency, deposits, debt securities, listed shares, and life insurance entitlements. It details both outstanding amounts and net quarterly flows in EUR million and billion. The historical series are available since 1995.

Frequently asked questions

What does France household financial wealth measure?: France household financial wealth measures the total outstanding financial assets and liabilities held by French households, alongside their net quarterly investment flows, as compiled by the Banque de France.
Which financial assets are included in this French dataset?: The dataset includes banknotes and coins, bank deposits, regulated savings accounts, debt securities, listed and unlisted shares, investment fund shares, and life insurance entitlements.
How far back does the French household wealth data go?: The quarterly series for France's household financial wealth and investment flows are available in this table starting from 1995.
What is the difference between outstanding amounts and investment flows?: Outstanding amounts represent the total value of financial assets and liabilities held at a specific point in time, while investment flows measure the net acquisition or transaction value during a quarter.