Financial Accounts
Financial accounts are an important analytical tool for studying financial flows between institutional sectors in the economy and the financial relationships between domestic sectors and the rest of the world.
Financial accounts show the stocks and flows that institutional sectors hold as financial assets and liabilities in financial instruments with counterpart sectors. From the financial accounts of individual institutional sectors, it becomes evident how lending or borrowing occurs through financial instrument transactions, depending on whether a sector has a surplus or a deficit.
Financial accounts, together with non-financial accounts prepared by the Statistical Office of the Republic of Slovenia, are part of the system of national accounts. The methodological framework for compiling national accounts data is based on the European System of National and Regional Accounts (ESA 2010).
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15. July | Quarterly financial accounts 1st quarter 2026 | 15. October | Quarterly financial accounts 2nd quarter 2026 |
Data
Tables
Annual financial accounts tables ESA2010 (1995–2025)
Quarterly financial accounts tables ESA2010 (2004Q1–2026Q1)
Monthly Bulletin (tables 5.1.–5.6.)
Data series
Links to other data sources
Euro area statistics: Financing and investment dynamics
Statistics on the distribution of household wealth (Distributional Wealth Accounts)
Publications
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Experimental statistics on household wealth distribution
As part of the European System of Central Banks (ESCB), we have developed experimental indicators on the distribution of household wealth in individual member states and across the entire euro area. These are presented in the tabs below, where more detailed explanations are also available.
Net wealth of the top 10% and bottom 50% of households, Q4 2025
Household wealth in the euro area is distributed rather unevenly, with the wealthiest 10% of households owning more than 57% of net wealth, while the bottom 50% of households hold only 5% of net wealth. The distribution is somewhat more balanced in Slovenia, where the top 10% of households own 49% of net wealth, and the bottom 50% hold 11%.
Wealth inequality in Slovenia increased more rapidly than the euro area average until 2017, after which it began to decline. In 2010, the top 10% of households in Slovenia owned 43% of net wealth, rising to 51% by the last quarter of 2017 (compared to an increase from 54% to 57% in the euro area). Since then, by the last quarter of 2025, the share in Slovenia has decreased to 49%, while in the euro area it has remained unchanged at 57%. The share of net wealth held by the bottom half of households has not changed significantly over the entire period: it remained at around 5% in the euro area and 11% in Slovenia.
Gini coefficient of household wealth distribution in Slovenia and the euro area
Greater wealth equality among Slovenian households compared to the euro area is also indicated by the Gini coefficient. In Slovenia, the Gini coefficient was 0.60 in 2011, increased to 0.65 by 2017, and has declined in recent years, reaching 0.62 in 2025. Throughout the period 2011–2025, the Gini coefficient in Slovenia has remained lower than in the euro area, where it ranged between 0.71 and 0.73.
Note: The Gini coefficient measures the concentration of household wealth. It ranges from zero to one, where a value of zero means that wealth is perfectly equally distributed (everyone has the same wealth), and a value of one represents perfectly inequal distribution (one person holds all the wealth). The closer the Gini coefficient is to one, the more unequal is the distribution.
Net wealth of top 5% of households by country
The concentration of net wealth is highest in Croatia, Austria, Latvia, and Lithuania, where the wealthiest 5% of households own more than half of total net wealth. Conversely, the share is lowest in Cyprus, Malta, Greece, and Slovakia, where it ranges from 29% to 34%. In Slovenia, the top 5% of households hold 38% of net wealth, which is 6 percentage points less than the euro area average, placing Slovenia in the lower third among member states.
Note: Distributional wealth accounts are available for individual euro area countries (Netherlands up to 2023-Q4) and additionally Hungary.
Concentration of instruments
Wealth concentration in the euro area varies by instrument. It is highest for business assets, bonds, equity, and investment fund shares, with approximately 80% of these instruments held by the wealthiest 10% of households. By contrast, residential real estate and bank deposits are more evenly distributed: 44% and 41%, respectively, are owned by the top decile, 48% and 45% by the middle 40% of households, and only 8% and 15% by the bottom 50%. Liabilities are also more evenly distributed, with the top decile holding about a quarter, the middle 40% nearly half, and the bottom 50% holding 26% of mortgage loans.
In Slovenia, the concentration of ownership for certain instruments is even higher. The top 10% of households own 91% of bonds, 88% of shares, 84% of business assets, and 82% of investment fund units. Conversely, this group holds only 36% of residential real estate and 43% of bank deposits, while the middle 40% of households own about half of the residential property. Indebtedness is less concentrated than in the euro area, with the wealthiest decile holding only 18% of mortgage loans and 24% of all loans.
Composition of household assets
The composition of household wealth in Slovenia and the euro area varies by wealth class. In the euro area, the bottom 50% of households hold the largest share of their wealth in residential real estate (63%) and bank deposits (25%), with much smaller shares in other asset types. For the middle 40% of households, the share of real estate increases to 71%, while deposits account for 15%. The wealthiest 10% of households hold 46% of their wealth in real estate and 10% in deposits, with a larger share in business assets (24%) and other financial investments.
In Slovenia, the composition is similar, but the share of real estate is even higher. The bottom 50% of households hold as much as 82% of their wealth in residential real estate and 14% in bank deposits, while for the middle 40%, real estate accounts for 82% and deposits for 10%. The wealthiest decile holds 51% of their wealth in real estate, 9% in deposits, with significant shares in business assets (32%) and shares (3%). This indicates that the wealth of the majority of Slovenian households remains heavily tied to real estate.
Debt-to-asset ratio across net wealth deciles of households
Over the past decade, the indebtedness of the bottom 50% of households in the euro area peaked at the end of 2013, when the debt-to-asset ratio reached almost 58%, then gradually declined to 39% by the end of 2025. In Slovenia, the peak for the lower half of households was in 2014–2015, when the ratio exceeded 32%, but it has since fallen to 15% at the end of 2025.
For the middle 40% of households, indebtedness remained fairly stable in recent years, at around 12% in the euro area and around 6% in Slovenia.
The indebtedness of the wealthiest 10% of households in Slovenia has decreased more than in the euro area over the past decade: in Slovenia, it fell from over 5% to 2%, while in the euro area it declined by only about one percentage point and remains at 5%.
The distributional wealth accounts (DWA) that we have developed within the European System of Central Banks (ESCB) illustrate the distribution of household wealth in individual countries and in the euro area overall. They combine macro and micro data sources, namely the quarterly sector accounts (QSA) and the Household Finance and Consumption Survey (HFCS). They were first published in January 2024.
Source: ECB
The DWA dataset contains data on households’ financial and non-financial assets, liabilities and net wealth. Households are divided into net wealth deciles, and also according to their housing and employment status. The dataset also contains certain indicators of wealth inequality, such as the Gini coefficient, the share of net wealth accounted for by the top 5%, 10% and 50% of households, the mean and median net wealth, and the debt-to-asset ratio across net wealth deciles. The data is quarterly, is available for the entire euro area from the first quarter of 2009, and is released within five months of the end of each period. It is classed as experimental, as it meets the majority of the quality conditions for official ECB statistics, but is reliable enough for use. It is accessible on this link, while more information about the methodology can be found on the ECB website.
Source: ECB