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The quarterly household sector balance sheet is compiled by the Singapore Department of Statistics. It shows the household sector’s assets and liabilities at a particular point in time (i.e. as at end-of-period). The quarterly series start from the reference period of 1st Quarter 1995.

 

Household assets can be classified as financial or non-financial assets. Financial assets include currency & deposits, shares & securities (e.g. listed shares, unlisted shares, unit trusts & investment funds), life insurance (attributable to households as policyholders), Central Provident Fund balances, and pension funds. Non-financial assets mainly refer to residential property assets and are categorised into public housing and private housing.

 

Household liabilities comprise mortgages (from the Housing and Development Board and financial institutions) and personal loans (e.g. motor vehicle loans, credit or charge card loans and other personal loans).

 

Net worth is the difference between total assets and total liabilities at a particular point in time.

 

Singapore’s household sector balance sheet is compiled in accordance with the principles and recommendations set out in the United Nations’ publication on “System of National Accounts, 2008” (SNA). These estimates are compiled largely from administrative and survey sources using aggregate data from firms and institutions at the economy-wide level.

Data

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Household Sector Balance Sheet

Title : Household Sector Balance Sheet (End Of Period), Quarterly

Million Dollars

Data Items

2021 1Q
2021 2Q
2021 3Q
2021 4Q
2022 1Q
2022 2Q
2022 3Q
2022 4Q

Household Net Worth

2,244,351.5
2,296,286.1
2,330,618.7
2,402,203.8
2,438,682
2,467,625.8
2,508,771.5
2,562,698.9

Assets

2,582,574.6
2,640,820
2,683,347
2,760,391.7
2,797,966.4
2,830,155.6
2,872,958.8
2,923,720.1

Financial Assets

1,510,644.2
1,547,854.9
1,566,133.8
1,596,071.4
1,614,342
1,605,478.5
1,612,209.2
1,646,145.9

Currency & Deposits

524,713.7
528,895.6
535,065.8
543,427.2
562,648
566,634.7
569,251.1
571,191.3

Shares & Securities

244,620.7
253,420.6
252,292.1
263,359.4
257,441.6
244,123.3
242,539.1
264,609.7

Listed Shares

96,306.3
98,413.3
97,078.1
99,672.9
104,050.6
99,108.9
101,263.1
113,815.6

Unlisted Shares

35,231.9
36,740.6
36,949.2
38,367
38,210.4
37,832.2
37,454
37,297.4

Unit Trusts & Investment Funds

113,082.4
118,266.6
118,264.8
125,319.5
115,180.6
107,182.2
103,822
113,496.8

Life Insurance

250,780.7
263,750.6
266,483.2
266,826.4
258,308.6
247,589
243,375
248,634.6

Central Provident Fund (CPF) * CPF refers to total amount due to members (net of withdrawals). Prior to 2008, data includes contributions to NUS Academic Staff Provident Fund scheme. The scheme was dissolved in end-2007.

473,973.8
485,201.2
495,629.5
505,718.8
519,172.7
530,340.5
540,205.2
544,823.7

Pension Funds

16,555.4
16,587
16,663.3
16,739.6
16,771.2
16,791
16,838.8
16,886.6

Residential Property Assets

1,071,930.4
1,092,965.1
1,117,213.2
1,164,320.3
1,183,624.3
1,224,677.1
1,260,749.6
1,277,574.2

Public Housing

470,596.7
487,378.2
501,181.2
516,878.3
526,145.1
544,123.3
553,154.9
566,165

Private Housing

601,333.7
605,586.9
616,032
647,442
657,479.2
680,553.8
707,594.7
711,409.2

Liabilities

338,223.1
344,533.9
352,728.3
358,188
359,284.4
362,529.8
364,187.3
361,021.3

Mortgage Loans

243,637.5
247,507.3
251,513.4
254,815.2
256,979.2
259,487.4
261,247.2
263,086.2

Financial Institutions

205,718.5
208,671.9
212,808.1
216,449.5
219,064.3
221,838.5
223,360.5
224,614.5

Housing & Development Board (HDB)

37,919
38,835.4
38,705.3
38,365.7
37,914.9
37,648.9
37,886.7
38,471.7

Personal Loans

94,585.6
97,026.6
101,215
103,372.8
102,305.2
103,042.5
102,940
97,935

Motor Vehicle

10,580.6
10,579.1
10,415
10,491.6
10,353.1
10,213.3
10,087.9
9,913.5

Credit/Charge Cards

10,409.5
10,062.7
10,450
11,205.5
10,803.1
11,611.1
12,126.8
13,178.6

Others * Examples of other personal loans include education loans, renovation loans, pawnshop loans, hire purchase loans (excluding those for motor vehicles), overdrafts and loans extended to individuals for investment and business purposes.

73,595.5
76,384.9
80,350
81,675.6
81,149
81,218.1
80,725.3
74,842.9
SOURCE : SINGAPORE DEPARTMENT OF STATISTICS
Footnotes

Figures may not add up due to rounding.

Household Sector Balance Sheet (End of Period), Quarterly

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Other References

Household Sector Balance Sheet
Quarterly Household Sector Balance Sheet View

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