Il-Punti ewlenin
- Id-dħul disponibbli gross tal-households, ras għal ras, żdied b’4.2 fil-mija fl-2025, filwaqt li d-dħul disponibbli gross reali, ras għal ras, żdied b’4.5 fil-mija.
- In-nefqa fuq il-konsum finali tal-households żdiedet b’5.2 fil-mija f’termini nominali u b’5.5 fil-mija f’termini reali, filwaqt li n-nefqa reali fuq il-konsum, ras għal ras, telgħet bi 3.2 fil-mija.
- It-tfaddil gross tal-households laħaq €2.5 biljuni fl-2025, li għolla r-rata ta’ tfaddil gross tal-households għal 19.2 fil-mija tad-dħul disponibbli gross, żieda ta’ punt perċentwali fuq l-2024.
- Il-households irreġistraw għoti ta’ self nett ta’ €2.1 biljun fl-2025, meta mqabbel mal-€1.8 biljun tas-sena ta’ qabel.
Il-Kummentarju
L-istimi tal-PDG ġew riveduti skont iċ-ċiklu ta’ reviżjoni regolari, li jirrifletti prinċipalment l-integrazzjoni tat-Tabelli tal-Provvista u l-Użu tal-2021 u l-2022, ir-riżultati parzjali mill-istħarriġ tal-Istatistika Strutturali tan-Negozju tal-2024, id-data amministrattiva aġġornata, ir-rakkomandazzjonijiet mill-proċessi ta’ verifika tal-GNI u tal-EDP, u metodoloġija mtejba tad-deflatur tal-FISIM. Aktar informazzjoni tinsab fl-Avviż ta’ Tagħrif għall-Istampa tas-17 ta’ Awwissu 2026.
Id-dħul disponibbli, il-konsum u t-tfaddil tal-households
Id-dħul disponibbli gross tal-households, ras għal ras bil-prezzijiet kurrenti, żdied b’4.2 fil-mija fl-2025 meta mqabbel mal-11.6 fil-mija fl-2024. Id-dħul disponibbli gross reali tal-households, ras għal ras, li jeskludi l-impatt tal-inflazzjoni, żdied b’4.5 fil-mija fl-2025 meta mqabbel mas-7.9 fil-mija fl-2024. Id-dħul disponibbli gross reali tal-households aġġustat, ras għal ras, li jinkludi oġġetti u servizzi individwali li l-households jirċievu mingħajr ħlas mill-gvern u minn istituzzjonijiet mingħajr skop ta’ qligħ li jservu lill-households (NPISH), jiġifieri trasferimenti soċjali mhux fi flus, żdied b’4.4 fil-mija fl-2025 meta mqabbel mat-8.0 fil-mija fl-2024 (Tabella nru 5).
In-nefqa fuq il-konsum finali tal-households fl-2025 kienet stmata għal €10,695 miljun, li hija żieda ta’ 5.2 fil-mija f’termini nominali (Tabella nru 1) u 5.5 fil-mija f’termini reali, meta mqabbla maż-żieda ta’ 9.2 fil-mija u ta’ 5.6 fil-mija, rispettivament, fl-2024. It-tkabbir aktar kajman fin-nefqa nominali tal-konsum tal-households jixhed, sa ċertu punt, l-iżviluppi fis-Servizzi ta’ Intermedjazzjoni Finanzjarja Mkejla Indirettament (FISIM). Meta mqabbel mal-2024, il-valur tal-FISIM mogħti lill-households naqas b’€231 miljun, u dan naqqas il-livell u t-tkabbir tan-nefqa finali tal-konsum tal-households. Minħabba li l-FISIM huwa rifless kemm fid-dħul kif ukoll fin-nefqa finali tal-konsum tal-households, l-effetti korrispondenti jikkumpensaw lil xulxin, u dan jirriżulta f’impatt newtrali fuq it-tfaddil tal-households. Ras għal ras, in-nefqa tal-konsum finali tal-households żdiedet bi 2.9 fil-mija f’termini nominali u bi 3.2 fil-mija f’termini reali (Tabella nru 5).
Ċart nru 1 tqabbel ir-rati ta’ tkabbir annwali tad-dħul disponibbli gross ras għal ras, id-dħul disponibbli gross aġġustat ras għal ras, u n-nefqa tal-konsum finali ras għal ras f’termini reali. Fl-2025, it-tkabbir fin-nefqa reali tal-konsum finali żdied ras għal ras, filwaqt li ż-żewġ indikaturi tad-dħul komplew jikbru b’pass aktar bil-mod, li jixhed tkabbir aktar dgħajjef fil-kumpens tal-impjegati, id-dħul nett mill-proprjetà, u l-kontribuzzjonijiet u l-benefiċċji soċjali netti.
Fl-2025, it-tfaddil gross tal-households kien stmat għal €2,542 miljun (Tabella nru 1). Ir-rata ta’ tfaddil gross tal-households kienet ta’ 19.2 fil-mija tad-dħul disponibbli gross, punt perċentwali ogħla mir-rata rreġistrata fis-sena ta’ qabel (Tabella nru 5). Iż-żieda fit-tfaddil kienet xhieda ta’ tkabbir aktar b’saħħtu fid-dħul disponibbli gross (6.4 fil-mija) meta mqabbel man-nefqa finali tal-konsum tal-households (5.2 fil-mija) (Tabella nru 1).
L-investiment tal-households laħaq id-€976 miljun fl-2025 meta mqabbel mad-€918-il miljun tas-sena ta’ qabel (Tabella nru 1). Ir-rata ta’ investiment tal-households baqgħet pjuttost stabbli, b’7.4 fil-mija tad-dħul disponibbli gross, bi tnaqqis żgħir mill-2024 (Tabella nru 5).
Wara li tqies il-bilanċ tat-trasferimenti kapitali, il-households irreġistraw għoti ta’ self nett ta’ €2,143 miljun, żieda mill-€1,771 miljun fl-2024 (Tabella nru 1).
Għal iżjed tagħrif tekniku, mur fil-paġna tal-Analiżi.
Tables
- xlsx Table 1. Households (S14) 35.30 KB
- xlsx Table 2. Gross operating surplus (B2g) plus gross mixed income (B3g) of the household sector by industry 17.81 KB
- xlsx Table 3. Compensation of employees paid by the household sector by industry 17.21 KB
- xlsx Table 4. Property income received and paid by the household sector by counterparty 40.21 KB
- xlsx Table 5. Key economic indicators of the household sector 25.38 KB
- xlsx All Tables 94.59 KB
Definitions of the terms used in these tables are available in the Glossary
Methodological Notes
1. The objective of the annual non-financial accounts for the institutional sectors (ASA) is to analyse the economic relationships between the institutional units that form the national economy (non-financial corporations (S.11), financial corporations (S.12), general government (S.13), households (S.14) and non-profit institutions serving households (S.15)) and between them and the rest of the world in an ordered series of accounts that describe each phase of economic process (production and creation of income, distribution and redistribution, final consumption, savings and asset accumulation). These results are prepared in compliance with the conceptual and regulatory framework established by the European System of National and Regional Accounts (ESA 2010), approved by the Regulation (EU) 549/2013, of the European Parliament and of the Council, of 21 May. More information on the sequence of non-financial account is available in ESA 2010, Chapter 8.
2. Households consists of individuals or groups of individuals mainly engaged in consumption activities, including those producing goods and non-financial services solely for their own final use. Own final use relates to services of owner-occupied dwellings, and domestic services produced by payable employees. The household sector also covers sole proprietorships and unincorporated partnerships that are market producers, except those treated as quasi-corporations.
3. In February 2025, the National Statistics Office (NSO), published the Non-financial Annual Sector Accounts (ASA) Inventory. It aims to provide a comprehensive overview of the national compilation procedures of annual non-financial accounts by institutional sector according to ESA 2010. An updated version as at October 2026 is now available.
4. The results are disseminated online 90 days following the end of the reference year (t+90 days, t being the reference year). These results are consistent with the quarterly non-financial accounts for the institutional sectors compiled at t+85 following the end of the reference year (t being the reference quarter). In the case of Malta, quarterly non-financial accounts are only compiled for S.1, S.2 and S.13. The rest of the sectors are voluntary for countries whose GDP at current prices represents less than 1 per cent of the corresponding union total. The 1 per cent threshold is calculated as a moving average based on the latest three available years. The quarterly non-financial accounts for the institutional sectors dataset is available online. This calendar is compatible with the requirements for availability of national accounts results established by Regulation (EU) 549/2013 on the European System of National and Regional Accounts 2010.
5. Data in this news release are consistent with the Gross Domestic Product: Q2/2026 news release published on 27 August 2026 and Annual Non-Financial Accounts by Institutional Sectors: 2021-2025 news release published on 22 October 2026. Data should be considered provisional from 2023 onwards.
6. Compared to the previous release which covered reference years 1995 to 2024, the following enhancements have been done:
• Change in the methodology applied to transfers into and out of pension funds. “Transfers in” are recorded as D.61 (D.75 in the case of non-resident clients), while “transfers out” are now recorded as D.62 (D.75 in the case of non-resident clients). The treatment is neutral in the non-financial accounts (B.9 = 0), as transactions recorded under D.61 uses are offset by corresponding transactions under D.8 resources. The methodology has been further refined to incorporate the recording of transfers out under D.62 and D.75 for resident and non-resident clients, respectively. Reference years 2012–2020 will be updated as part of the next benchmark revision.
• Inclusion of intra-household transfers under other current transfers (D.75), using EU-SILC data, from reference year 2021 onwards. This treatment increases the level of D.75 transactions but is neutral with respect to gross saving and net lending/net borrowing. Reference years 1995–2020 will be updated as part of the next benchmark revision.
7. A more detailed breakdown of annual non-financial accounts by the institutional sectors and by variable are available online.
8. Calculations are performed using the full underlying values prior to rounding. Figures presented in this news release are rounded for publication purposes. Consequently, calculations based on the published figures may differ slightly from the reported results. Any such differences are attributable solely to rounding and do not represent inconsistencies in the underlying data or calculations.
9. References to this news release are to be cited appropriately. For guidance on access and re-use of data please visit our dedicated webpage.
10. More information relating to this news release may be accessed at:
Aktar għarfien dwar is-settur tal-households: 2025
Il-valur miżjud gross iġġenerat mis-settur tal-households żdied bi 2.9 fil-mija fl-2025 meta mqabbel ma’ 14.1 fil-mija fl-2024, u kkontribwixxa għal 0.4 punti perċentwali għat-tkabbir nominali ġenerali tal-ekonomija ta’ 6.0 fil-mija. Dan wassal għal żieda ta’ 2.4 fil-mija fil-qligħ operattiv gross u fid-dħul imħallat, tnaqqis minn 14.0 fil-mija fis-sena ta’ qabel (Tabella nru 1). Il-moderazzjoni fit-tkabbir kienet attribwita l-aktar għal tnaqqis ta’ 6.8 fil-mija fil-qligħ operattiv gross ta’ djar okkupati mis-sidien u mikrija fi ħdan l-Attivitajiet tal-proprjetà immobbli (L_B2g), li ta l-akbar kontribut negattiv għat-tkabbir ġenerali (Tabella nru 2).
Id-dħul imħallat, li jirrappreżenta d-dħul li jaqilgħu l-persuni li jaħdmu għal rashom u n-negozji mhux inkorporati bħal sidien uniċi u s-sħubijiet, żdied b’9.9 fil-mija fl-2025. Kif jidher fʼĊart nru 3, l-aktar kontribuzzjonijiet pożittivi b’saħħithom għat-tkabbir fil-qligħ operattiv gross u d-dħul imħallat ġew mill-Kummerċ bl-ingrossa u bl-imnut, it-Trasport u l-ħżin, u l-Attivitajiet ta’ akkomodazzjoni u ta’ servizz tal-ikel (Taqsimiet tan-NACE minn G sa I), segwiti minn Attivitajiet professjonali, xjentifiċi u tekniċi u Attivitajiet taʼ servizz amministrattiv u taʼ sostenn (Taqsimiet tan-NACE minn M sa N), l-Amministrazzjoni pubblika, l-Edukazzjoni, l-Attivitajiet tas-saħħa tal-bniedem u ħidma soċjali (Taqsimiet tan-NACE minn O sa Q), l-Agrikoltura, il-forestrija u s-sajd (Taqsima tan-NACE A) u Attivitajiet oħra ta’ servizz (Taqsimiet tan-NACE minn R sa U), b’kumpens parzjali għall-kontribuzzjoni negattiva sostanzjali mill-Attivitajiet ta’ proprjetà immobbli (L_B2g) (Tabella nru 2).
Fl-2025, is-sehem tas-sidien uniċi u s-sħubijiet mingħajr status legali, esklużi il-kważikorporazzjonijiet, kien ta’ 4.2 fil-mija tal-kumpens tal-impjegati kollu mħallas fl-ekonomija. Ir-rata ta’ tkabbir annwali tal-kumpens tal-impjegati mħallas mis-settur tal-households naqset minn 14.4 fil-mija fl-2024 għal 9.9 fil-mija fl-2025.
Kif jidher fʼĊart nru 4, it-tkabbir aktar dgħajjef kien dovut prinċipalment għall-iżviluppi f’Attivitajiet oħra ta’ servizz (Taqsimiet tan-NACE minn R sa U), fl-Attivitajiet professjonali, xjentifiċi u tekniċi u fl-Attivitajiet ta’ servizz amministrattiv u taʼ sostenn (Taqsimiet tan-NACE minn M sa N), fl-Amministrazzjoni pubblika, l-Edukazzjoni, l-Attivitajiet tas-saħħa tal-bniedem u ħidma soċjali (Taqsimiet tan-NACE minn O sa Q), u fil-Kostruzzjoni (Taqsima tan-NACE F). Kontribuzzjonijiet pożittivi mill-Agrikoltura, il-forestrija u s- sajd (Taqsima tan-NACE A) u mill-Informazzjoni u komunikazzjoni (Taqsima tan-NACE J) taffew sa ċertu punt dan it-tnaqqis.
Il-bilanċ gross tad-dħul primarju
Il-bilanċ gross tad-dħul primarju żdied b’6.3 fil-mija, jew €878 miljun, fl-2025. Dan it-tkabbir kien ġej l-iżjed minn żieda ta’ €800 miljun fil-kumpens tal-impjegati riċevibbli, flimkien ma’ żidiet ta’ €70 miljun fil-qligħ operattiv gross u fid-dħul imħallat u €8 miljuni fid-dħul nett irċevut mill-proprjetà. Iż-żieda relattivament modesta fid-dħul nett mill-proprjetà rriflettiet prinċipalment it-tnaqqis fl-imgħax nett irċevut, li ġie kkumpensat biss parzjalment minn dividendi netti ogħla rċevuti (Tabella nru 1).
Ċarts nri 6 u 7 jagħtu ħarsa ġenerali lejn id-dħul mill-proprjetà rċevut u mħallas mill-households mill-kontroparti fl-2025.
Fl-2025, id-dħul mill-proprjetà rċevut mis-settur tal-households kien prinċipalment xprunat mid-dħul distribwit tal-korporazzjonijiet, b’mod partikolari mill-korporazzjonijiet mhux finanzjarji (35.6 fil-mija) u mill-korporazzjonijiet finanzjarji (13.7 fil-mija). Il-korporazzjonijiet finanzjarji jinkludu wkoll l-aġġustament tal-FISIM irreġistrat (21.1 fil-mija) u l-maġġoranza tal-imgħax irċevut (10.6 fil-mija).
Fl-2025, id-dħul mill-proprjetà mħallas mis-settur tal-households kien magħmul l-iżjed minn ħlasijiet ta’ imgħax lil korporazzjonijiet finanzjarji (39.6 fil-mija) u lill-bqija tad-dinja (7.2 fil-mija). Il-kera mħallsa lis-settur tal-gvern ġenerali kienet tammonta għal 3.6 fil-mija tad-dħul kollu mill-proprjetà mħallsa, filwaqt li l-kera pagabbli fis-settur tal-households kienet tirrappreżenta 2.4 fil-mija oħra (Tabella nru 4).
Il-FISIM jirrappreżenta l-valur tas-servizzi mogħtijin mill-istituzzjonijiet finanzjarji bl-użu tal-marġni bejn ir-rati ta’ self u ta’ depożitu u rata tal-imgħax ta’ riferenza. Il-FISIM jiżdied mal-imgħax riċevibbli u jitnaqqas mill-imgħax pagabbli meta jiġi derivat id-dħul mill-proprjetà tal-households. Fl-2025, il-FISIM baqa’ komponent sinifikanti tad-dħul tal-proprjetà riċevibbli mill-households. Filwaqt li dan it-trattament iżid kemm id-dħul nett mill-proprjetà kif ukoll id-dħul gross disponibbli, l-effett tiegħu fuq it-tfaddil tal-households huwa newtrali, billi ż-żieda fid-dħul disponibbli hija kkumpensata minn żieda korrispondenti fil-konsum tas-servizzi finanzjarji.
Id-dħul disponibbli gross
Id-dħul disponibbli gross kien ta’ €13,235 miljun fl-2025 (Tabella nru 1). Iż-żieda fil-bilanċ gross tad-dħul primarju tispjega fil-biċċa l-kbira ż-żieda ta’ 6.3 fil-mija fid-dħul gross disponibbli meta wieħed iqis li l-prestazzjoni kkombinata tal-flussi tad-distribuzzjoni tad-dħul sekondarju ammontat għal €77 miljun biss, wara żieda fil-kontribuzzjonijiet soċjali netti u l-benefiċċji riċevibbli ta’ €68 miljun u żieda fit-taxxi kurrenti fuq id-dħul u l-ġid ta’ €151 miljun.
Ċart nru 8 turi l-fatturi ewlenin li kkontribwew għall-bidla fid-dħul disponibbli gross bejn l-2024 u l-2025. Iż-żieda fid-dħul disponibbli gross kienet ġejja l-aktar minn żieda ta’ €800 miljun f’kumpens lill-impjegati, li għamilha bil-bosta l-akbar kontributur pożittiv. Kontribuzzjonijiet pożittivi addizzjonali kienu rreġistrati fil-benefiċċji soċjali (€168 miljun), fid-dħul imħallat (€158 miljun), fid-dħul mill-proprjetà (€8 miljuni) u fit-trasferimenti kurrenti netti (€7 miljuni). Dawn iż-żidiet kienu parzjalment ikkumpensati minn taxxi ogħla fuq id-dħul u l-ġid (€151 miljun), kontribuzzjonijiet soċjali netti ogħla (€100 miljun), u tnaqqis fil-qligħ operattiv gross (€88 miljun). B’mod ġenerali, it-tkabbir qawwi fil-kumpens tal-impjegati aktar milli kkumpensa għall-kontribuzzjonijiet negattivi, li rriżulta f’żieda sostanzjali fid-dħul disponibbli gross tal-households fl-2025.
It-tfaddil u l-għoti taʼ self nett
Fl-2025, it-tfaddil gross tal-households kien stmat għal €2,542 miljun, żieda ta’ 12.2 fil-mija fuq is-sena ta’ qabel. Iż-żieda fit-tfaddil irriflettiet it-tkabbir aktar b’saħħtu fid-dħul disponibbli gross (6.4 fil-mija) meta mqabbel man-nefqa finali tal-konsum tal-households (5.2 fil-mija) (Tabella nru 1). B’riżultat ta’ dan, ir-rata ta’ tfaddil gross tal-households żdiedet għal 19.2 fil-mija tad-dħul disponibbli gross, 1.0 punt perċentwali ogħla milli fl-2024 (Tabella nru 5).
L-investiment tal-households kien ta’ €976 miljun fl-2025, żieda mid-€918-il miljun fis-sena ta’ qabel. Ir-rata ta’ investiment tal-households baqgħet ġeneralment stabbli fil-livell ta’ 7.4 fil-mija tad-dħul disponibbli gross (Tabella nru 5).
Wara li tqiesu t-trasferimenti kapitali, l-households irreġistraw self nett ta’ €2,143 miljun, żieda mill-€1,771 miljun fl-2024, li jirrifletti tfaddil akbar tal-households (Tabella nru 1).
