Budapest, 22 October 2025 – Hungarian households’ annual net financial savings, and consequently their current financial wealth, exceed the GDP-proportionate levels seen in the other countries in the region. The aim of the new publication is to facilitate informed financial and savings decisions, thereby contributing to maintaining high levels of household savings and fostering faster, smoother asset growth.
The net financial wealth of Hungarian households has increased substantially from 82 percent of GDP in 2012, reaching 114 percent of GDP in mid-2025. The growth of wealth was driven in almost equal measure by continuous annual net financial savings averaging around 6 percent of GDP and the revaluation of financial assets. Over the past decade or so, the stock of investment fund shares and government securities has increased substantially, but purchases of foreign assets have also become increasingly significant in recent years. Microdata also confirm that the proportion of households with financial wealth in Hungary increased between 2017 and 2023 from 50 to 67 percent. In the interest of sustainable it is particularly important that savings remain at a consistently high level in the future.
Among households’ main financial assets, equity funds and inflation-indexed government securities have generated the highest overall yields since 2013. These investments also provided significant real yields, while savings held in cash, bank deposits, money market funds or bond funds did not retain their real value. The analysis of the central bank also shows that it is worth creating a diversified portfolio of different instruments, which is less exposed to individual risks and more profitable over the long term, taking into account the yields, costs and risks of investments. However, caution should be exercised with different types of risks, as, for example, taking on exchange rate risk does not generally result in higher expected yields. This is illustrated by the fact that, looking back over the past one year, the yields on forint investments significantly exceeded the yields on similar types of foreign currency investments.
Household savings and the structure of financial assets play a key role in achieving the inflation target, ensuring the stability of the financial system and promoting sustainable growth. The opening chapters of the publication present the development and composition of household financial savings and wealth over time and in a regional comparison. The Report then provides a comprehensive overview of the long-term yields of the most typical domestic investments, followed by an analysis of several sub-areas in the field of savings. The Savings Report also provides important information for decision-making by professional economic agents.
The Savings Report is available by clicking here.