Germany household financial assets
Germany household financial assets and liabilities are detailed across stocks and transactions.
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| 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balance sheet (stocks)2 | ||||||||||||||
| Financial assets1 | ||||||||||||||
| Total financial assets5 | 9,489.9 | 9,518.4 | 9,364.3 | 9,235.9 | 9,090.9 | 9,072.1 | 8,927.9 | 8,769.8 | 8,639.4 | 8,435 | 8,163.1 | 8,176.1 | 8,058.3 | |
| Currency and deposits3 | 3,550 | 3,538.4 | 3,468.6 | 3,441.1 | 3,406.6 | 3,408 | 3,351.6 | 3,302.6 | 3,254 | 3,218.7 | 3,148 | 3,132.8 | 3,106.4 | |
| Currency | 522.3 | 516.1 | 502.2 | 490.7 | 477.7 | 473.5 | 461.7 | 453 | 447.4 | 444.3 | 438.9 | 436.5 | 433.2 | |
| Transferable deposits | 1,857.8 | 1,859 | 1,810.2 | 1,787.2 | 1,749.5 | 1,740 | 1,685.5 | 1,661.2 | 1,652.9 | 1,686.3 | 1,705 | 1,737.7 | 1,756 | |
| Other deposits3 | 1,169.9 | 1,163.3 | 1,156.2 | 1,163.2 | 1,179.4 | 1,194.5 | 1,204.4 | 1,188.4 | 1,153.8 | 1,088.1 | 1,004.1 | 958.6 | 917.3 | |
| Time deposits2 | 653.3 | 645.5 | 635.9 | 639.5 | 653 | 660 | 646.3 | 627.9 | 591 | 529 | 472.2 | 427.8 | 383.5 | |
| Short-term time deposits | 384.4 | 381.5 | 379.9 | 391.6 | 406.5 | 413.2 | 394.9 | 379.9 | 351.8 | 301.3 | 260.7 | 217.4 | 173.8 | |
| Long-term time deposits | 268.9 | 264 | 256 | 247.9 | 246.6 | 246.8 | 251.4 | 248 | 239.2 | 227.7 | 211.4 | 210.5 | 209.8 | |
| Savings deposits2 | 380.3 | 384.4 | 390.3 | 393.4 | 393.6 | 399.7 | 405.7 | 413.2 | 424.2 | 438.4 | 455.1 | 474.9 | 497.3 | |
| Short-term savings deposits | 319.6 | 325 | 328 | 331.7 | 335.6 | 340.4 | 345.4 | 354.4 | 367.5 | 388.6 | 414 | 442.6 | 471.4 | |
| Long-term savings deposits | 60.7 | 59.4 | 62.4 | 61.7 | 58 | 59.2 | 60.2 | 58.9 | 56.7 | 49.8 | 41.1 | 32.3 | 25.9 | |
| Savings certificates | 136.3 | 133.4 | 130 | 130.3 | 132.8 | 134.8 | 152.4 | 147.3 | 138.6 | 120.7 | 76.8 | 55.9 | 36.5 | |
| Debt securities2 | 230.7 | 225.9 | 221.8 | 214.3 | 213 | 210.1 | 215.7 | 213.3 | 206.9 | 198.2 | 192.6 | 177.7 | 157.1 | |
| Short-term debt securities | 7.5 | 7.1 | 8.2 | 9.6 | 11.2 | 11.3 | 15 | 16.9 | 18.4 | 12.5 | 16.4 | 15.9 | 11.9 | |
| Long-term debt securities | 223.2 | 218.8 | 213.6 | 204.7 | 201.9 | 198.9 | 200.6 | 196.4 | 188.5 | 185.7 | 176.1 | 161.8 | 145.2 | |
| Equity and investment fund shares4 | 3,084.5 | 3,132.7 | 3,070.3 | 2,994.1 | 2,902.7 | 2,868.8 | 2,791 | 2,734.1 | 2,704.6 | 2,580.3 | 2,480.3 | 2,487.7 | 2,430.5 | |
| Listed shares | 664.2 | 684 | 667.3 | 639.7 | 614.2 | 590.3 | 579.5 | 566.8 | 569.8 | 527.1 | 498.4 | 516.4 | 509.5 | |
| Unlisted shares | 231.5 | 246.4 | 248.5 | 246.6 | 244.4 | 248.6 | 248.3 | 247.3 | 247.1 | 244.4 | 235.2 | 232.6 | 228.8 | |
| Other equity | 870.1 | 886.7 | 882 | 898 | 878.1 | 862.5 | 861 | 855.5 | 850.9 | 846 | 831.3 | 816.8 | 799.1 | |
| Investment fund shares2 | 1,318.6 | 1,315.6 | 1,272.5 | 1,209.7 | 1,165.9 | 1,167.5 | 1,102.2 | 1,064.6 | 1,036.9 | 962.7 | 915.4 | 921.9 | 893.1 | |
| Money-market fund shares | 57.4 | 55.9 | 54.9 | 52.5 | 48.8 | 41.6 | 20.7 | 11.4 | 9.3 | 7.9 | 7 | 5.2 | 3.7 | |
| Non-MMF investment fund shares | 1,261.3 | 1,259.7 | 1,217.6 | 1,157.2 | 1,117.2 | 1,125.9 | 1,081.6 | 1,053.2 | 1,027.6 | 954.8 | 908.4 | 916.7 | 889.4 | |
| Insurance, pension and standardised guarantee schemes3 | 2,621.1 | 2,617.6 | 2,599.8 | 2,582.7 | 2,564.8 | 2,581.4 | 2,565.8 | 2,516 | 2,470.1 | 2,434 | 2,338.5 | 2,374.1 | 2,360.5 | |
| Non-life insurance technical reserves | 53.7 | 47 | 49.6 | 51.1 | 52.1 | 46.3 | 49.8 | 50.2 | 51.8 | 43 | 44.3 | 45.4 | 46.4 | |
| Life insurance and annuity entitlements | 1,257 | 1,260.5 | 1,262.5 | 1,252.6 | 1,242.9 | 1,265.8 | 1,260.7 | 1,218.1 | 1,175.6 | 1,152.2 | 1,089.5 | 1,126 | 1,124.2 | |
| Pension entitlements, Claims of pension funds on pension managers and Provisions for calls under standardised guarantees | 1,310.4 | 1,310.1 | 1,287.8 | 1,279 | 1,269.8 | 1,269.2 | 1,255.2 | 1,247.6 | 1,242.8 | 1,238.8 | 1,204.7 | 1,202.8 | 1,189.8 | |
| Other accounts receivable/payable1 | 3.7 | 3.7 | 3.7 | 3.7 | 3.8 | 3.8 | 3.8 | 3.8 | 3.8 | 3.8 | 3.8 | 3.8 | 3.8 | |
| Other accounts receivable/payable, excluding trade credits and advances | 3.7 | 3.7 | 3.7 | 3.7 | 3.8 | 3.8 | 3.8 | 3.8 | 3.8 | 3.8 | 3.8 | 3.8 | 3.8 | |
| Liabilities2 | ||||||||||||||
| Total liabilities2 | 2,180.1 | 2,176.6 | 2,167.6 | 2,151.3 | 2,140.5 | 2,136.4 | 2,131.9 | 2,123.5 | 2,120.3 | 2,122.7 | 2,120.4 | 2,113.2 | 2,107.8 | |
| Loans2 | 2,174.6 | 2,171.1 | 2,162.3 | 2,146.1 | 2,135.4 | 2,131.4 | 2,126.9 | 2,118.5 | 2,115.4 | 2,117.8 | 2,115.6 | 2,108.6 | 2,103.3 | |
| Short-term loans | 56.8 | 56.6 | 56.4 | 55.5 | 54.7 | 54.4 | 54.4 | 53.2 | 54.4 | 55.1 | 55.9 | 56.4 | 56.6 | |
| Long-term loans | 2,117.8 | 2,114.5 | 2,105.9 | 2,090.6 | 2,080.6 | 2,077 | 2,072.4 | 2,065.3 | 2,060.9 | 2,062.7 | 2,059.8 | 2,052.2 | 2,046.7 | |
| Other accounts receivable/payable1 | 5.5 | 5.5 | 5.4 | 5.3 | 5.2 | 5.1 | 5 | 5 | 4.9 | 4.9 | 4.8 | 4.6 | 4.5 | |
| Other accounts receivable/payable, excluding trade credits and advances | 5.5 | 5.5 | 5.4 | 5.3 | 5.2 | 5.1 | 5 | 5 | 4.9 | 4.9 | 4.8 | 4.6 | 4.5 | |
| Debt | 48.4 | 48.7 | 48.9 | 49 | 49.1 | 49.4 | 49.5 | 49.6 | 49.9 | 50.3 | 50.9 | 51.3 | 51.9 | |
| Transactions (flows)2 | ||||||||||||||
| Financial assets1 | ||||||||||||||
| Total financial assets5 | 93.6 | 79 | 76.3 | 66.6 | 88.6 | 81.1 | 71.9 | 70.4 | 83.5 | 62.9 | 58.7 | 62.1 | 70.1 | |
| Currency and deposits3 | 11.1 | 66.6 | 27.6 | 41.1 | 7.3 | 49.2 | 20.6 | 47.8 | 33.7 | 62.3 | 13.4 | 26.3 | -11.5 | |
| Currency | 6.2 | 13.9 | 11.5 | 13 | 4.2 | 11.8 | 8.7 | 5.6 | 3.1 | 5.5 | 2.4 | 3.4 | 2.9 | |
| Transferable deposits | 0.1 | 48.8 | 23 | 37.8 | 14.8 | 54.5 | -7.6 | 8.4 | -33.5 | -18.6 | -32.7 | -18.2 | -60.5 | |
| Other deposits3 | 4.8 | 3.9 | -6.9 | -9.7 | -11.7 | -17.1 | 19.5 | 33.7 | 64.1 | 75.5 | 43.7 | 41.1 | 46.1 | |
| Time deposits2 | 5.9 | 6.4 | -3.5 | -6.9 | -3.7 | -1.1 | 21.9 | 36.1 | 60.4 | 48.4 | 42.6 | 44.1 | 49.6 | |
| Short-term time deposits | 1.1 | 1.1 | -11.6 | -8.3 | -3.4 | 5.8 | 18.5 | 27.2 | 48.9 | 43.6 | 41.6 | 43.4 | 47.3 | |
| Long-term time deposits | 4.9 | 5.3 | 8.1 | 1.4 | -0.2 | -6.9 | 3.4 | 8.9 | 11.5 | 4.8 | 1 | 0.7 | 2.3 | |
| Savings deposits2 | -4.1 | -6 | -3.1 | -0.2 | -6.1 | -6 | -7.6 | -11 | -14.2 | -16.8 | -19.7 | -22.4 | -19.5 | |
| Short-term savings deposits | -5.3 | -2.9 | -3.7 | -3.9 | -6 | -5 | -9 | -13.1 | -21.1 | -25.5 | -28.5 | -28.8 | -23.3 | |
| Long-term savings deposits | 1.2 | -3 | 0.7 | 3.7 | -0.1 | -1 | 1.4 | 2.2 | 6.9 | 8.7 | 8.8 | 6.5 | 3.8 | |
| Savings certificates | 2.9 | 3.4 | -0.3 | -2.6 | -2 | -10 | 5.2 | 8.6 | 17.9 | 43.9 | 20.9 | 19.4 | 16 | |
| Debt securities2 | 7.3 | 1 | 3.2 | 0.8 | 1.3 | -6.9 | -0.7 | 3.8 | 6.3 | 0.7 | 14.3 | 20.4 | 29.7 | |
| Short-term debt securities | 0.5 | -1 | -1.4 | -1.6 | -0.7 | -3.1 | -2 | -1.9 | -2.8 | -4 | 2.1 | 5.7 | 8 | |
| Long-term debt securities | 6.8 | 2 | 4.6 | 2.4 | 2.1 | -3.9 | 1.3 | 5.7 | 9 | 4.7 | 12.2 | 14.8 | 21.7 | |
| Equity and investment fund shares4 | 36.4 | 13.2 | 25.1 | 35.4 | 34.1 | 38 | 34.2 | 23.6 | 16.9 | 9 | 13.7 | 13.5 | 18 | |
| Listed shares | 2.8 | -5.5 | -1.8 | 5.7 | 1.6 | -2.5 | 0.1 | 1.8 | 0.6 | -1.4 | 0.3 | -0.2 | -0.5 | |
| Unlisted shares | -0.6 | -2.3 | -0.9 | 0.6 | -0.3 | -3.5 | 0.2 | 0.7 | 1.1 | 0 | 0.7 | -0.4 | -1.3 | |
| Other equity | 7.1 | 2.6 | 6.3 | 5.2 | 4.5 | 4 | 10.8 | 4.3 | 1.8 | 3.7 | 4.8 | 4.6 | 7.9 | |
| Investment fund shares2 | 27 | 18.4 | 21.5 | 24 | 28.3 | 40 | 23.1 | 16.8 | 13.4 | 6.7 | 7.9 | 9.6 | 11.9 | |
| Money-market fund shares | 1.6 | 1 | 2.3 | 3.7 | 7.3 | 20.8 | 9.2 | 2 | 1.5 | 0.8 | 1.7 | 1.5 | 0.4 | |
| Non-MMF investment fund shares | 25.4 | 17.4 | 19.2 | 20.2 | 21 | 19.2 | 13.9 | 14.8 | 11.9 | 5.9 | 6.2 | 8.1 | 11.5 | |
| Insurance, pension and standardised guarantee schemes3 | 14.1 | 19.4 | 11.6 | 13.8 | 20.3 | 18 | 10.4 | 6.1 | 22.5 | 6.3 | 0.2 | 6.4 | 9.4 | |
| Non-life insurance technical reserves | 9.5 | -2.9 | -1.8 | -1.5 | 7.8 | -4 | -1.6 | -2.1 | 9.9 | -2.2 | -1 | -0.9 | 5.4 | |
| Life insurance and annuity entitlements | 3.2 | -0.6 | 5.7 | 6.6 | 6 | 2.8 | 4.8 | 7.3 | 7.9 | -9.5 | -2.4 | 0.3 | 0.6 | |
| Pension entitlements, Claims of pension funds on pension managers and Provisions for calls under standardised guarantees | 1.4 | 22.9 | 7.6 | 8.6 | 6.5 | 19.2 | 7.2 | 0.9 | 4.7 | 18 | 3.6 | 7 | 3.4 | |
| Other accounts receivable/payable1 | 24.7 | -21.2 | 8.9 | -24.5 | 25.6 | -17.1 | 7.3 | -11 | 4.2 | -15.4 | 17.2 | -4.6 | 24.4 | |
| Other accounts receivable/payable, excluding trade credits and advances | 24.7 | -21.2 | 8.9 | -24.5 | 25.6 | -17.1 | 7.3 | -11 | 4.2 | -15.4 | 17.2 | -4.6 | 24.4 | |
| Liabilities1 | ||||||||||||||
| Total liabilities2 | 5 | 9.4 | 16.2 | 10.5 | 4.8 | 4.3 | 8 | 3.5 | -1.7 | 0.3 | 6.5 | 5.5 | 2.4 | |
| Loans2 | 5 | 9.4 | 16.2 | 10.5 | 4.8 | 4.3 | 8 | 3.5 | -1.7 | 0.3 | 6.5 | 5.5 | 2.4 | |
| Short-term loans | -0.1 | 0.2 | 0.9 | 0.7 | 0.3 | -0.2 | 1.2 | -1.2 | -0.8 | -0.9 | -0.5 | -0.3 | 0.7 | |
| Long-term loans | 5.1 | 9.2 | 15.3 | 9.7 | 4.5 | 4.5 | 6.8 | 4.7 | -0.9 | 1.1 | 7 | 5.8 | 1.7 | |
| Other accounts receivable/payable1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Other accounts receivable/payable, excluding trade credits and advances | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Latest reading
The series on this page is quarterly and runs from Q1 1999 to Q1 2026. Source: Deutsche Bundesbank.
About this data
Germany household financial assets and liabilities are detailed across stocks and transactions. The accounts break down household wealth into instruments such as currency, transferable deposits, savings deposits, debt securities and listed shares. They also cover life insurance entitlements, pension schemes and total liabilities including short-term loans. Quarterly data from the Deutsche Bundesbank is available since 1999.
Frequently asked questions
- What is the latest figure for Germany household financial assets?
- Total financial assets stood at 9,489.9 EUR billion in Q1 2026. That is −0.3% from Q4 2025 and +4.4% from a year earlier.
- How far back does the Germany household financial assets data go?
- The series on this page is quarterly and runs from Q1 1999 to Q1 2026. Source: Deutsche Bundesbank. Every series in the table can be charted over its full history and downloaded as CSV or Excel.
- What do the Germany household financial assets statistics show?
- They show the total financial assets and liabilities of households in Germany, capturing both the outstanding balance sheet stocks and the financial transactions during each period.
- Which asset types are included in the German household financial accounts?
- German household financial assets are broken down into instruments such as currency, time and savings deposits, debt securities, listed shares, money-market fund shares and life insurance entitlements.
- Do the German household wealth statistics include liabilities?
- Yes, the Germany household financial assets table also details household liabilities, breaking down the debt into categories such as short-term loans.