06.04.2020
Working Papers of Eesti Pank 1/2020 In this paper, we investigate the ownership of financial assets within families and how pooling affects the individual savings of the partners. We use anonymised monthly transactional data from ING Bank to observe the financial data of Dutch couples for 2014–... more
02.03.2020

From 2 March until 30 June, Eesti Pank and Statistics Estonia will be carrying out research in order to collect information on the assets, liabilities, income and expenses of Estonian households. The survey is being run by the central banks of all the euro area countries in 2020 and is... more

28.02.2020

The Estonian Household Finance and Consumption Survey (HFCS) collects data on the assets, liabilities, income and consumption of households, and is carried out jointly by Eesti Pank and Statistics Estonia.

Who will take part?

Similar surveys are run by the central banks of all... more

12.12.2019
  • The majority of the population most commonly pay for their everyday purchases with a bankcard or in cash
  • At 92%, the great majority of people get their incomes paid to a bank account, but there are still 5% who get their incomes in cash
  • Almost one third, or 32%, of... more
01.10.2019
 

Background:

The database of the assets and liabilities of Estonian households is built on the Household Finance and Consumption Survey (HFCS) of Estonian households. The HFCS is a survey run at the initiative of the European Central Bank using a harmonised methodology that can... more

01.10.2019
Occasional Papers of Eesti Pank 1/2019 This report covers the results of the Estonian Household Finance and Consumption Survey (HFCS) from 2017. The estimated values of the assets, liabilities and net wealth of Estonian households in 2017 are compared to the values in 2013 and to the... more
29.03.2017
Working Papers of Eesti Pank 4/2017 This paper analyses the financial fragility of the Estonian household sector using microdata from the Household Finance and Consumption Survey (HFCS). We use a stress-testing framework where the probability of default is evaluated on the basis of the... more
06.03.2017

From 6 March until 30 June, Eesti Pank and Statistics Estonia will be carrying out research in order to collect information on the assets, liabilities, income and expenses of Estonian households. The survey is being run by the central banks of all the euro area countries in 2017 and is... more

18.11.2016
Working Papers of Eesti Pank 9/2016 The paper investigates the triggers of arrears on debt in Estonia, which is a full recourse country similar to other euro area countries. An extensive individual-level quarterly panel dataset enables quarterly debt repayment problems to be ... more
16.11.2016
  • Three quarters of families are able to save if they need to, and the number of households with savings has risen
  • Loans have been taken by 41% of families, which is the same as two years ago, and half of the loan liabilities are related to real estate
  • Around one fifth of... more
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