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average balance banks bargaining benefits budget capital deepening commuting competition consumers countries CPB Netherlands CPB Report debt decrease deficit demand developments dollar Dutch economy e-mail economic growth effects electricity markets employees enterprise income estimate euro area European Commission European Union Ewijk expected expenditure Figure financing firms fiscal GDP growth Hague higher household ICT capital ICT spillovers immigrants impact important increase indicators industry inflation innovation insurance companies interest rate labour force labour market labour productivity growth Labour share lenders market power market sector ment mobility mortgage OECD output gap pension funds percent percentage changes percentage points premiums private consumption Private non-residential investment recovery reform regional Relevant world trade residence residential mobility risks Russian gas scenario security of supply share in enterprise Statistics Netherlands Tilburg University tion trade unions transaction costs unemployment rate unit labour costs wage coordination