Corresponds to the gross saving of households (including non-profit institutions serving households) divided by gross disposable income (the latter adjusted for the net change in pension entitlements), expressed as a percentage. Gross saving is the part of the gross disposable income which is not spent as final consumption expenditure.

Corresponds to liabilities of loans (F.4) divided by gross disposable income (adjusted for the net change in pension entitlements), expressed as a percentage.