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Archive » September 2025 » Household Wealth: A Euro-Area Comparison

Household Wealth: A Euro-Area Comparison

Vincenzo D’Apice, Francesco Masala, Pierluigi Morelli, Gianfranco Torriero
September 2025 - n. 9
Keywords: Famiglie, ricchezza, mercato europeo
Jel codes: D10, D14, G15

In 2024, the net wealth of European households reached €70.2 trillion, up 4.4% from the previous year. Italian households remain among the most financially solid, with net wealth amounting to eight times their disposable income, compared with an average of 7.5 times in the euro area. The composition of household wealth shows that residential real estate represents the largest component in Italy, nevertheless its share is lower than in the euro area (43.9% in Italy vs. 51.6% on average). Bank deposits account for 11.2% of total household assets in Italy, compared with 12.4% in the euro area. Italian households show greater financial diversification, with a more articulated portfolio than the euro-area average. To further strengthen household wealth and better channel resources to businesses and long-term investments, the establishment of a European Savings and Investments Union is crucial.

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