Risk Assessment Indicators

Data - ECB

Info

source dataset Title .html .rData
ecb RAI Risk Assessment Indicators 2026-07-23 2026-07-23
  • Data Structure Definition. (DSD) html

Data on monetary policy

source dataset Title .html .rData
bdf FM Marché financier, taux 2026-07-22 2026-07-22
bdf MIR Taux d'intérêt - Zone euro 2026-07-22 2026-07-22
bdf MIR1 Taux d'intérêt - France 2026-07-23 2026-07-23
bis CBPOL Policy Rates, Daily 2026-07-18 2026-07-22
ecb BSI Balance Sheet Items 2026-07-23 2026-07-22
ecb BSI_PUB Balance Sheet Items - Published series 2026-07-23 2026-07-22
ecb FM Financial market data 2026-07-23 2026-07-22
ecb ILM Internal Liquidity Management 2026-07-23 2026-07-22
ecb ILM_PUB Internal Liquidity Management - Published series 2026-07-23 2026-07-22
ecb MIR MFI Interest Rate Statistics 2026-07-23 2026-07-22
ecb RAI Risk Assessment Indicators 2026-07-23 2026-07-23
ecb SUP Supervisory Banking Statistics 2026-07-23 2026-07-23
ecb YC Financial market data - yield curve 2026-07-23 2026-07-23
ecb YC_PUB Financial market data - yield curve - Published series 2026-07-23 2026-07-23
ecb liq_daily Daily Liquidity 2026-07-23 2026-07-23
eurostat ei_mfir_m Interest rates - monthly data 2026-07-23 2026-07-23
eurostat irt_st_m Money market interest rates - monthly data 2026-07-23 2026-07-23
fred r Interest Rates 2026-07-22 2026-07-22
oecd MEI Main Economic Indicators 2024-04-16 2025-07-24
oecd MEI_FIN Monthly Monetary and Financial Statistics (MEI) 2024-09-15 2025-07-24

Data on interest rates

source dataset Title .html .rData
bdf FM Marché financier, taux 2026-07-22 2026-07-22
bdf MIR Taux d'intérêt - Zone euro 2026-07-22 2026-07-22
bdf MIR1 Taux d'intérêt - France 2026-07-23 2026-07-23
bis CBPOL_D Policy Rates, Daily 2026-07-18 2025-08-20
bis CBPOL_M Policy Rates, Monthly 2026-07-22 2024-04-19
ecb FM Financial market data 2026-07-23 2026-07-22
ecb MIR MFI Interest Rate Statistics 2026-07-23 2026-07-22
eurostat ei_mfir_m Interest rates - monthly data 2026-07-23 2026-07-23
eurostat irt_lt_mcby_d EMU convergence criterion series - daily data 2026-07-23 2025-07-24
eurostat irt_st_m Money market interest rates - monthly data 2026-07-23 2026-07-23
fred r Interest Rates 2026-07-22 2026-07-22
oecd MEI Main Economic Indicators 2024-04-16 2025-07-24
oecd MEI_FIN Monthly Monetary and Financial Statistics (MEI) 2024-09-15 2025-07-24
wdi FR.INR.DPST Deposit interest rate (%) 2022-09-27 2026-07-22
wdi FR.INR.LEND Lending interest rate (%) 2026-07-22 2026-07-22
wdi FR.INR.RINR Real interest rate (%) 2026-01-11 2026-07-22

LAST_COMPILE

LAST_COMPILE
2026-07-24

Last

TIME_PERIOD FREQ Nobs
2026-Q1 Q 158
2026-05 M 373

DD_ECON_CONCEPT

Code
RAI %>%
  left_join(DD_ECON_CONCEPT, by = "DD_ECON_CONCEPT") %>%
  group_by(DD_ECON_CONCEPT, Dd_econ_concept) %>%
  summarise(Nobs = n()) %>%
  arrange(-Nobs) %>%
  print_table_conditional()
DD_ECON_CONCEPT Dd_econ_concept Nobs
LMGBLNFCH Lending margin on new business loans to non-financial corporations and households 8436
LMGOLNFCH Lending margin on outstanding loans to non-financial corporations and households 8413
IBL1TL Share of interbank loans in total loans 8397
CT1DGGV Share of other MFIs credit to domestic general government in total assets, excluding remaining assets 8036
LC1DHHS Share of other MFIs loans to domestic households for house purchase in total credit to other domestic residents 7959
LEVR Leverage ratio 7882
NDEPFUN Non-deposit funding 7786
SVLHHNFC Share of new loans with a floating rate or an initial rate fixation period of up to one year in total new loans from MFIs to households and non-financial corporations 7693
SVLHPHH Share of new loans to households for house purchase with a floating rate or an initial rate fixation period of up to one year in total new loans from MFIs to households 7693
LMGLHH MFIs lending margins on loans for house purchase 7138
LMGLNFC MFIs lending margins on loans to non-financial corporations (NFC) 7138
GRNLHHNFC Annual growth rate of MFIs new loans to households and non-financial corporations 6783
ST1TMF Share of short-term funding in total market funding 6676
MMTCH Maturity mismatch 5877
FXL1TL Share of other MFI FX loans in total loans (excluding inter-MFI loans) 2807
LTD Loans to deposits ratio 2745
LA1STL Share of liquid assets in short term liabilities 2177
OTHOFI1 Total assets of other financial institutions (OFIs) excluding financial vehicle corporations (FVCs), outstanding amounts at the end of the period (stocks) 1943
OTHOFI4 Total assets of other financial institutions (OFIs) excluding financial vehicle corporations (FVCs), financial transactions (flows) 1941
SVLOAHH NA 1750
SVLOANFC NA 1750
IFOFI1 Total assets of MMF and non-MMF investment funds and other financial institutions (OFIs), outstanding amounts at the end of the period (stocks) 285
IFOFI4 Total assets of MMF and non-MMF investment funds and other financial institutions (OFIs), financial transactions (flows) 285
CRED1 Credit institutions (MFIs excluding the ESCB and MMFs), outstanding amounts at the end of the period (stocks) 194
CREDA Growth rate of total assets of credit institutions (MFIs excluding the ESCB and MMFs) 186
ICPFA Growth rate of total assets of insurance corporations and pension funds 186
IFOFIA Growth rate of total assets of MMF and non-MMF investment funds and other financial institutions (OFIs) 182

DD_SUFFIX

Code
RAI %>%
  left_join(DD_SUFFIX, by = "DD_SUFFIX") %>%
  group_by(DD_SUFFIX, Dd_suffix) %>%
  summarise(Nobs = n()) %>%
  arrange(-Nobs) %>%
  print_table_conditional()
DD_SUFFIX Dd_suffix Nobs
Z Not applicable 114883
E Euro 4648
P10 Currency ratio on total currency 2807

SOURCE_DATA

Code
RAI %>%
  left_join(SOURCE_DATA, by = "SOURCE_DATA") %>%
  group_by(SOURCE_DATA, Source_data) %>%
  summarise(Nobs = n()) %>%
  arrange(-Nobs) %>%
  print_table_conditional()
SOURCE_DATA Source_data Nobs
BSI Based on BSI data 64222
MIR Based on MIR data 53294
QSA Based on quarterly sector accounts data 4636
ICPF Based on ICPF data 186

DD_SUFFIX

Code
RAI %>%
  left_join(DD_SUFFIX, by = "DD_SUFFIX") %>%
  group_by(DD_SUFFIX, Dd_suffix) %>%
  summarise(Nobs = n()) %>%
  arrange(-Nobs) %>%
  print_table_conditional()
DD_SUFFIX Dd_suffix Nobs
Z Not applicable 114883
E Euro 4648
P10 Currency ratio on total currency 2807

FREQ

Code
RAI %>%
  left_join(FREQ, by = "FREQ") %>%
  group_by(FREQ, Freq) %>%
  summarise(Nobs = n()) %>%
  arrange(-Nobs) %>%
  print_table_conditional()
FREQ Freq Nobs
M Monthly 105907
Q Quarterly 16431

REF_AREA

Code
RAI %>%
  left_join(REF_AREA, by = "REF_AREA") %>%
  group_by(REF_AREA, Ref_area) %>%
  summarise(Nobs = n()) %>%
  arrange(-Nobs) %>%
  mutate(Flag = gsub(" ", "-", str_to_lower(gsub(" ", "-", Ref_area))),
         Flag = paste0('<img src="../../icon/flag/vsmall/', Flag, '.png" alt="Flag">')) %>%
  select(Flag, everything()) %>%
  {if (is_html_output()) datatable(., filter = 'top', rownames = F, escape = F) else .}

Table: Average 2016-2022

Code
RAI %>%
  filter(FREQ == "M") %>%
  left_join(REF_AREA, by = "REF_AREA") %>%
  left_join(DD_ECON_CONCEPT, by = "DD_ECON_CONCEPT") %>%
  month_to_date %>%
  filter(date >= as.Date("2016-01-01")) %>%
  group_by(DD_ECON_CONCEPT, Dd_econ_concept, REF_AREA, Ref_area) %>%
  summarise(OBS_VALUE = mean(OBS_VALUE),
            Nobs = n()) %>%
  print_table_conditional()

France

Table

Code
RAI %>%
  filter(FREQ == "M",
         REF_AREA %in% c("FR", "U2")) %>%
  select_if(~ n_distinct(.) > 1) %>%
  left_join(REF_AREA, by = "REF_AREA") %>%
  group_by(DD_ECON_CONCEPT, Ref_area) %>%
  filter(TIME_PERIOD == max(TIME_PERIOD)) %>%
  left_join(DD_ECON_CONCEPT, by = "DD_ECON_CONCEPT") %>%
  select(Ref_area, DD_ECON_CONCEPT, OBS_VALUE) %>%
  spread(Ref_area, OBS_VALUE) %>%
  arrange(-`France`) %>%
  print_table_conditional()
DD_ECON_CONCEPT Euro area (Member States and Institutions of the Euro Area) changing composition France
MMTCH 77.310265 78.5163575
ST1TMF 68.877095 77.1582087
SVLHHNFC 64.396321 38.4837738
IBL1TL 24.592109 36.9828106
LC1DHHS NA 36.1629339
NDEPFUN 14.591115 15.6445765
LEVR 8.313538 7.2250397
GRNLHHNFC NA 6.4463453
CT1DGGV NA 4.4549032
SVLHPHH 15.455676 3.2691609
LMGLNFC NA 1.2730756
LMGBLNFCH NA 1.1336748
LMGLHH NA 0.8359050
LMGOLNFCH NA 0.2646171

SVLHHNFC, LC1DHHS

Code
RAI %>%
  filter(DD_ECON_CONCEPT %in% c("SVLHHNFC", "LC1DHHS"),
         REF_AREA %in% c("FR", "U2")) %>%
  left_join(REF_AREA, by = "REF_AREA") %>%
  left_join(DD_ECON_CONCEPT, by = "DD_ECON_CONCEPT") %>%
  month_to_date %>%
  select_if(~n_distinct(.) > 1) %>%
  mutate(Ref_area = ifelse(REF_AREA == "U2", "Europe", Ref_area)) %>%
  left_join(colors, by = c("Ref_area" = "country")) %>%
  mutate(OBS_VALUE = OBS_VALUE/100) %>%
  ggplot(.) + theme_minimal() + xlab("") + ylab("Share of variable rate") +
  geom_line(aes(x = date, y = OBS_VALUE, color = color, linetype = Dd_econ_concept)) + 
  add_flags(3) + scale_color_identity() +
  scale_x_date(breaks = seq(1960, 2030, 2) %>% paste0("-01-01") %>% as.Date,
               labels = date_format("%Y")) +
  theme(legend.position = c(0.7, 0.9),
        legend.title = element_blank()) +
  scale_y_continuous(breaks = 0.01*seq(-10, 100, 5),
                     labels = percent_format(accuracy = 1))

CT1DGGV, SVLHPHH

Code
RAI %>%
  filter(DD_ECON_CONCEPT %in% c("CT1DGGV", "SVLHPHH"),
         REF_AREA %in% c("FR", "U2")) %>%
  left_join(REF_AREA, by = "REF_AREA") %>%
  left_join(DD_ECON_CONCEPT, by = "DD_ECON_CONCEPT") %>%
  month_to_date %>%
  select_if(~n_distinct(.) > 1) %>%
  mutate(Ref_area = ifelse(REF_AREA == "U2", "Europe", Ref_area)) %>%
  left_join(colors, by = c("Ref_area" = "country")) %>%
  mutate(OBS_VALUE = OBS_VALUE/100) %>%
  ggplot(.) + theme_minimal() + xlab("") + ylab("Share of variable rate") +
  geom_line(aes(x = date, y = OBS_VALUE, color = color, linetype = Dd_econ_concept)) + 
  add_flags(3) + scale_color_identity() +
  scale_x_date(breaks = seq(1960, 2030, 2) %>% paste0("-01-01") %>% as.Date,
               labels = date_format("%Y")) +
  theme(legend.position = c(0.7, 0.9),
        legend.title = element_blank()) +
  scale_y_continuous(breaks = 0.01*seq(-10, 100, 5),
                     labels = percent_format(accuracy = 1))

SVLHPHH - Share of floating rates, Households

Table: Last Time

Code
RAI %>%
  filter(DD_ECON_CONCEPT == "SVLHPHH",
         TIME_PERIOD %in% c(last_time)) %>%
  left_join(REF_AREA, by = "REF_AREA") %>%
  select_if(~n_distinct(.) > 1) %>%
  select(REF_AREA, Ref_area, OBS_VALUE, OBS_VALUE) %>%
  mutate(OBS_VALUE = round(OBS_VALUE, 1)) %>%
  mutate(Flag = gsub(" ", "-", str_to_lower(gsub(" ", "-", Ref_area))),
         Flag = paste0('<img src="../../icon/flag/vsmall/', Flag, '.png" alt="Flag">')) %>%
  select(Flag, everything()) %>%
  arrange(OBS_VALUE) %>%
  {if (is_html_output()) datatable(., filter = 'top', rownames = F, escape = F) else .}

Table: Many dates

Code
RAI %>%
  filter(DD_ECON_CONCEPT == "SVLHPHH",
         TIME_PERIOD %in% c(last_time, "2020-01", "2015-01", "2010-01", "2005-01")) %>%
  left_join(REF_AREA, by = "REF_AREA") %>%
  select_if(~n_distinct(.) > 1) %>%
  select(REF_AREA, Ref_area, TIME_PERIOD, OBS_VALUE) %>%
  mutate(OBS_VALUE = round(OBS_VALUE, 1)) %>%
  spread(TIME_PERIOD, OBS_VALUE) %>%
  print_table_conditional()
REF_AREA Ref_area 2005-01 2010-01 2015-01 2020-01 2026-05
AT Austria 65.7 76.2 87.3 40.6 18.5
BE Belgium 58.2 58.4 2.4 4.5 6.1
BG Bulgaria NA 96.2 84.0 97.3 99.4
CY Cyprus NA 61.7 95.1 90.7 17.8
CZ Czech Republic NA NA 7.2 2.1 3.5
DE Germany 19.1 21.6 13.2 11.6 12.0
DK Denmark 70.1 49.2 NA NA NA
EE Estonia 99.3 56.7 85.4 NA 97.8
ES Spain 93.1 90.1 66.6 32.1 7.9
FI Finland 97.8 97.5 96.8 97.6 95.4
FR France 36.5 12.8 3.8 1.9 3.3
GR Greece 84.4 72.2 93.1 70.2 20.7
HR Croatia NA NA 84.9 20.5 2.1
HU Hungary 58.1 84.4 44.1 2.1 7.7
IE Ireland 93.6 84.1 66.0 25.8 6.3
IT Italy 87.3 81.3 71.7 18.0 18.7
LT Lithuania 97.9 84.7 89.8 97.8 86.5
LU Luxembourg 88.5 NA 63.9 30.1 NA
LV Latvia 72.3 84.4 NA 94.3 94.0
MT Malta NA 88.0 77.9 47.4 NA
NL Netherlands 43.2 24.9 19.9 17.4 18.6
PL Poland 90.9 100.0 99.9 100.0 28.7
PT Portugal 97.8 99.5 93.0 86.7 15.8
RO Romania NA NA 89.9 73.6 24.8
SE Sweden NA 85.6 85.5 64.2 91.4
SI Slovenia 99.1 98.1 93.4 55.5 2.0
SK Slovakia 62.4 36.0 6.4 1.1 1.9
U2 Euro area (Member States and Institutions of the Euro Area) changing composition 54.7 42.6 21.6 15.8 15.5

Netherlands, Germany, Belgium, France, Europe

Code
RAI %>%
  filter(DD_ECON_CONCEPT == "SVLHPHH",
         REF_AREA %in% c("NL", "DE", "BE", "FR",  "U2")) %>%
  left_join(REF_AREA, by = "REF_AREA") %>%
  month_to_date %>%
  select_if(~n_distinct(.) > 1) %>%
  mutate(Ref_area = ifelse(REF_AREA == "U2", "Europe", Ref_area)) %>%
  left_join(colors, by = c("Ref_area" = "country")) %>%
  mutate(OBS_VALUE = OBS_VALUE/100) %>%
  ggplot(.) + theme_minimal() + xlab("") + ylab("Share of variable rate, households (%)") +
  geom_line(aes(x = date, y = OBS_VALUE, color = color)) + 
  add_flags(5) + scale_color_identity() +
  scale_x_date(breaks = seq(1960, 2030, 2) %>% paste0("-01-01") %>% as.Date,
               labels = date_format("%Y")) +
  scale_y_continuous(breaks = 0.01*seq(-10, 100, 5),
                     labels = percent_format(accuracy = 1))

France, Spain, Portugal, latvia, Lithuania, Estonia

Code
RAI %>%
  filter(DD_ECON_CONCEPT == "SVLHPHH",
         REF_AREA %in% c("FR", "ES", "PT", "EE", "LT", "U2")) %>%
  left_join(REF_AREA, by = "REF_AREA") %>%
  month_to_date %>%
  select_if(~n_distinct(.) > 1) %>%
  mutate(Ref_area = ifelse(REF_AREA == "U2", "Europe", Ref_area)) %>%
  left_join(colors, by = c("Ref_area" = "country")) %>%
  mutate(OBS_VALUE = OBS_VALUE/100) %>%
  ggplot(.) + theme_minimal() + xlab("") + ylab("Share of variable rate, households (%)") +
  geom_line(aes(x = date, y = OBS_VALUE, color = color)) + 
  add_flags(6) + scale_color_identity() +
  scale_x_date(breaks = seq(1960, 2030, 2) %>% paste0("-01-01") %>% as.Date,
               labels = date_format("%Y")) +
  scale_y_continuous(breaks = 0.01*seq(-10, 100, 5),
                     labels = percent_format(accuracy = 1))

France, Spain, Portugal

Code
RAI %>%
  filter(DD_ECON_CONCEPT == "SVLHPHH",
         REF_AREA %in% c("FR", "ES", "PT")) %>%
  left_join(REF_AREA, by = "REF_AREA") %>%
  month_to_date %>%
  select_if(~n_distinct(.) > 1) %>%
  left_join(colors, by = c("Ref_area" = "country")) %>%
  mutate(OBS_VALUE = OBS_VALUE/100) %>%
  ggplot(.) + theme_minimal() + xlab("") + ylab("Share of variable rate, households (%)") +
  geom_line(aes(x = date, y = OBS_VALUE, color = color)) + 
  add_flags(3) + scale_color_identity() +
  scale_x_date(breaks = seq(1960, 2030, 2) %>% paste0("-01-01") %>% as.Date,
               labels = date_format("%Y")) +
  scale_y_continuous(breaks = 0.01*seq(-10, 100, 5),
                     labels = percent_format(accuracy = 1))

Italy, Sweden, Poland

Code
RAI %>%
  filter(DD_ECON_CONCEPT == "SVLHPHH",
         REF_AREA %in% c("PL", "IT", "SE")) %>%
  left_join(REF_AREA, by = "REF_AREA") %>%
  month_to_date %>%
  select_if(~n_distinct(.) > 1) %>%
  left_join(colors, by = c("Ref_area" = "country")) %>%
  mutate(OBS_VALUE = OBS_VALUE/100) %>%
  ggplot(.) + theme_minimal() + xlab("") + ylab("Share of variable rate, households (%)") +
  geom_line(aes(x = date, y = OBS_VALUE, color = color)) + 
  add_flags(3) + scale_color_identity() +
  scale_x_date(breaks = seq(1960, 2030, 2) %>% paste0("-01-01") %>% as.Date,
               labels = date_format("%Y")) +
  scale_y_continuous(breaks = 0.01*seq(-10, 100, 5),
                     labels = percent_format(accuracy = 1))

Netherlands, Germany, Belgium

Code
RAI %>%
  filter(DD_ECON_CONCEPT == "SVLHPHH",
         REF_AREA %in% c("NL", "DE", "BE")) %>%
  left_join(REF_AREA, by = "REF_AREA") %>%
  month_to_date %>%
  select_if(~n_distinct(.) > 1) %>%
  left_join(colors, by = c("Ref_area" = "country")) %>%
  mutate(OBS_VALUE = OBS_VALUE/100) %>%
  ggplot(.) + theme_minimal() + xlab("") + ylab("Share of variable rate, households (%)") +
  geom_line(aes(x = date, y = OBS_VALUE, color = color)) + 
  add_flags(3) + scale_color_identity() +
  scale_x_date(breaks = seq(1960, 2030, 2) %>% paste0("-01-01") %>% as.Date,
               labels = date_format("%Y")) +
  scale_y_continuous(breaks = 0.01*seq(-10, 100, 5),
                     labels = percent_format(accuracy = 1))

SVLHHNFC - Share of floating rates, Households, and Corporations

Table

Code
RAI %>%
  filter(DD_ECON_CONCEPT == "SVLHHNFC",
         TIME_PERIOD %in% c(last_time, "2020-01", "2015-01", "2010-01", "2005-01")) %>%
  left_join(REF_AREA, by = "REF_AREA") %>%
  select_if(~n_distinct(.) > 1) %>%
  select(REF_AREA, Ref_area, TIME_PERIOD, OBS_VALUE) %>%
  mutate(OBS_VALUE = round(OBS_VALUE, 1)) %>%
  spread(TIME_PERIOD, OBS_VALUE) %>%
  print_table_conditional()
REF_AREA Ref_area 2005-01 2010-01 2015-01 2020-01 2026-05
AT Austria 91.7 92.3 89.7 70.1 64.9
BE Belgium 90.7 90.4 76.4 73.3 74.2
BG Bulgaria NA 98.7 95.8 95.8 98.1
CY Cyprus NA 85.4 96.1 94.2 65.5
CZ Czech Republic 80.8 76.5 51.7 48.7 32.8
DE Germany 61.5 72.6 59.4 61.3 66.6
DK Denmark 76.4 64.5 43.6 50.2 68.6
EE Estonia 92.0 71.1 80.4 83.6 93.4
ES Spain 91.5 91.4 88.1 70.8 69.5
FI Finland 94.3 NA NA 94.8 89.9
FR France 64.8 45.3 39.8 32.3 38.5
GR Greece 82.9 86.1 97.7 91.6 NA
HR Croatia NA NA 88.8 57.8 52.1
HU Hungary 95.3 94.5 75.0 52.4 22.7
IE Ireland 83.0 87.3 82.3 67.3 55.1
IT Italy 90.4 93.9 92.4 73.4 76.0
LT Lithuania 93.6 88.3 93.9 89.1 78.7
LU Luxembourg 98.4 99.1 95.0 91.3 90.5
LV Latvia 72.6 82.3 80.1 95.3 91.1
MT Malta NA 98.7 89.4 59.6 NA
NL Netherlands 71.1 73.5 57.2 45.0 55.8
PL Poland 94.5 93.6 86.6 90.2 59.2
PT Portugal 95.7 95.9 90.9 74.8 47.1
RO Romania NA 96.6 85.9 67.3 54.0
SE Sweden NA 89.2 90.6 78.7 91.4
SI Slovenia 89.5 93.5 91.5 78.9 56.5
SK Slovakia 83.2 78.9 66.7 23.4 25.5
U2 Euro area (Member States and Institutions of the Euro Area) changing composition 79.2 81.5 69.9 60.5 64.4

France, Spain, Portugal

Code
RAI %>%
  filter(DD_ECON_CONCEPT == "SVLHHNFC",
         REF_AREA %in% c("FR", "ES", "PT")) %>%
  left_join(REF_AREA, by = "REF_AREA") %>%
  month_to_date %>%
  select_if(~n_distinct(.) > 1) %>%
  left_join(colors, by = c("Ref_area" = "country")) %>%
  mutate(OBS_VALUE = OBS_VALUE/100) %>%
  ggplot(.) + theme_minimal() + xlab("") + ylab("Share of variable rate, households and firms (%)") +
  geom_line(aes(x = date, y = OBS_VALUE, color = color)) + 
  add_flags(3) + scale_color_identity() +
  scale_x_date(breaks = seq(1960, 2030, 2) %>% paste0("-01-01") %>% as.Date,
               labels = date_format("%Y")) +
  scale_y_continuous(breaks = 0.01*seq(-10, 100, 5),
                     labels = percent_format(accuracy = 1))

Italy, Sweden, Poland

Code
RAI %>%
  filter(DD_ECON_CONCEPT == "SVLHHNFC",
         REF_AREA %in% c("PL", "IT", "SE")) %>%
  left_join(REF_AREA, by = "REF_AREA") %>%
  month_to_date %>%
  select_if(~n_distinct(.) > 1) %>%
  left_join(colors, by = c("Ref_area" = "country")) %>%
  mutate(OBS_VALUE = OBS_VALUE/100) %>%
  ggplot(.) + theme_minimal() + xlab("") + ylab("Share of variable rate, households and firms (%)") +
  geom_line(aes(x = date, y = OBS_VALUE, color = color)) + 
  add_flags(3) + scale_color_identity() +
  scale_x_date(breaks = seq(1960, 2030, 2) %>% paste0("-01-01") %>% as.Date,
               labels = date_format("%Y")) +
  scale_y_continuous(breaks = 0.01*seq(-10, 100, 5),
                     labels = percent_format(accuracy = 1))

Netherlands, Germany, Belgium

Code
RAI %>%
  filter(DD_ECON_CONCEPT == "SVLHHNFC",
         REF_AREA %in% c("NL", "DE", "BE")) %>%
  left_join(REF_AREA, by = "REF_AREA") %>%
  month_to_date %>%
  select_if(~n_distinct(.) > 1) %>%
  left_join(colors, by = c("Ref_area" = "country")) %>%
  mutate(OBS_VALUE = OBS_VALUE/100) %>%
  ggplot(.) + theme_minimal() + xlab("") + ylab("Share of variable rate, households and firms (%)") +
  geom_line(aes(x = date, y = OBS_VALUE, color = color)) + 
  add_flags(3) + scale_color_identity() +
  scale_x_date(breaks = seq(1960, 2030, 2) %>% paste0("-01-01") %>% as.Date,
               labels = date_format("%Y")) +
  scale_y_continuous(breaks = 0.01*seq(-10, 100, 5),
                     labels = percent_format(accuracy = 1))