Q4 2023 Financial Update
17
19
Macro environment
Deep dive: strong Swedish economy in comparison.
High level of employment
National employment level (15-64 years), Q3 2023
78%
77%
74%
70%
68%
66%
Households' have a strong asset base
Swedish households' assets and debt (SEK tn), Q3 2023
30
50
20
20
Insurance
Funds
Bank deposits
Equities
Sweden
Germany
Finland
EU-27
France
Spain
0
10
Pensions
Housing
Low household debt ratio
Swedish households' debt as share of household assets (%)
25
23
21
21
Low government debt
Government debt as share of GDP (%)
104
-Sweden
-Germany
62
40
Assets
Other
Household mortgages
Debt
-United States
15
2006
2010
2014
2018
2022
2018
2019
2020
2021
2022
Q3 2023
Source: OECD Data, SEB Sparbarometern, IMF Database.
SEB
68
64
33
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