Household financial investment grew at an unchanged 2.5% annual rate in the euro area’s fourth quarter of 2025, while non‑financial corporations’ financing increased at an unchanged 1.5% rate. Household gross disposable income rose 3.3% year‑on‑year, and consumption expenditure grew 3.6%. Gross non‑financial investment, mainly housing, increased 7.1%, and loans to households grew 2.7%. Household net worth expanded 4.7%, and the debt‑to‑income ratio fell to 81.3%. For non‑financial corporations, gross operating surplus climbed 4.3% and gross entrepreneurial income rose 3.7%. Net property income rose 0.5%, and financing of corporations grew 1.5%. The debt‑to‑GDP ratio for non‑financial corporations fell to 65.6%. NFC gross non‑financial investment grew 1.3%, a decline from 6.5% in the previous quarter.
© European Central Bank, 2025.
Summary derived from the ECB website (https://www.ecb.europa.eu ).
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