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Statistical presentation

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Personal Finances and Welfare, Social Statistics
Jarl Quitzau
+45 3917 3594

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Personal assets and Liabilities

The statistics produces annual data on pension schemes, value of real estate, cars, financial assets and liabilities in families and is published in Statistics Denmark's Statbank . The statistics can be grouped by family type, gender, age, income, ownership relation to the dwelling, municipalities etc. Since all data is person-specific, it can be combined with other person-specific data in Statistics Denmark’s databases. In the new Statbank tables on pension wealth (PENFOR) the statistics now includes the entire population on the 31st of December.

Data description

The statistics give detailed information on various types of assets and liabilities. The statistics are register based and covers almost the entire population. The statistics includes annual wealth- and debt information sub-categorised into a long list of subcategories, including the value of owned property, car, assets in financial institutions, credit institutions etc. This data can be combined with data on type of household, income, geography and so on. The statistics are produced in NYT from Statistics Denmark, in the Statbank, and on the statistics’ topic page. Researchers can gain access to micro-data from The Division of Research Services. Danish research institutions have access to anonymized micro-data. Access to micro-data can only be obtained through cooperation with these institutions. Custom made tables can be ordered from DST Consulting at a cost. In July/August, the preliminary data on pensions (excluding civil servant’s pensions) are publicized in the Statbank while the total wealth- and debt statistics are publicized in the Statbank and in NYT from Statistics Denmark at the end of the year after the year in which the data was calculated. The individual wealth- and debt items concepts are described here: Overview of the individual wealth- and debt items Special information about the pension assets can be found in this special document: Documentation of pension variables, including civil servants’ pension and the voluntary early retirement scheme (VERS) About the differences between the family distributed wealth- and debt statistics and the national accounting-based statistics, see Differences between the national accounting and family-oriented wealth statistics.

Classification system

The basic structure of the wealth components are inspired by the OECD P. 129

The data are among other disseminated by type of family, ownership of dwelling, income in intervals, socioeconomic status, educational level, municipality, age and gender. The strata will whenever possible correspond to those that are used in the income statistics.

Sector coverage

The houshehold sector.

Statistical concepts and definitions

Age: Age December 31

Statistical unit

Families or persons.

Statistical population

The statistics includes all families, where at least one person have lived in Denmark for the entire year. The families are defined based on census data on the 31st of December. This delimitation has been made in order to make the data totally comparable with the definition in the income statistics.

Reference area


Time coverage

The statistics on wealth and debt covers 2014 and onward – the data for every year was collected on the 31st of December in the given year. A few components, mainly financial assets, public property assessments and debt are available in the income registers further back in time. See under “Comparability over time”.

Base period

Not relevant for these statistics.

Unit of measure

DKK per person/family.

Reference period

The statistics contains information on wealth and debt on the 31st of December in the given year.

Frequency of dissemination


Legal acts and other agreements

Much of the data is collected via the tax authorities based on §6 in the law on Statistics Denmark. The pension data is collected based on the law of The Danish National Bank, §14 a. No EU regulation exists on this topic.

Cost and burden

Some burden is put upon KMD & the pension companies that comes from having to report the data on the pension assets but the burden cannot be quantified. For the Danish Tax administration there should be no large burden, as data are collected anyway for assessing the tax statements.