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The financial sector is one of the fastest growing and changing sectors in the world. Financial institutions manage funds, invest or manage assets and shares, provide leasing services and loans, manage loan offices and provide financial advice. Almost all people come into contact with financial institutions, for example by using a current account, depositing money or collecting a pension, applying for a bank loan to buy a home, a car, etc. Statistics on credit institutions, payment and settlement systems, savings and loan associations and leasing enterprises are collected and published by

Gross wages and salaries are remuneration specified in the employment contract or legislation, including remuneration paid for performance and transactions, which includes taxes and payments withheld under the law. Wages and salaries statistics are based on data from: • the employment register of the Estonian Tax and Customs Board; • income and social tax declarations (form TSD). The employment register provides information about people employed under employment contracts, the Civil Service Act, or service contracts. Tax declarations provide information about payments made. People working