2023-09-09 10:29:13
Can we affirm, as recently indicated the CEO of BNP Paribas Fortis, Michael Anseeuw that “the State Bond [a offert] the possibility for people who have never invested to do so for the first time” ?
Contacted by the Décrypte team, the Debt Agency does not yet have information on the sociological profile of buyers, nor on their place of residence, nor on their assets or their savings rate. The median amount (i.e. the indicator which does not take into account significant disparities in values, and according to which 50% of people bought more than this amount and 50% bought less) is not yet available.
The only information known for the moment: the average amount of a State Bond which is 30.272 euros. According to Anne Fily, author of the Financité financial inclusion report, this figure reveals that “it is not everyone who was able to part with such savings“. As proof, according to the latest official statistics available4.6 million Belgians were unable to save during a typical month, i.e. 40.8% of the population.
In 2021, there were more than 18 million regulated savings accounts, more than the entire Belgian population according to Febelfin. In other words, if some people do not have a savings account, others have several and are therefore ready to release part of these savings for a year.
According to a recent analysis by the National Bank of Belgium, 12% of Belgian savers hold together half of the outstanding savings accounts, or 150 billion euros, while 40% of Belgians hold only 5%. .
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