"Table 1: Econometric model of the UK household saving ratio, Quarter 1 1996 to Quarter 4 2019"
Dependent variable: household saving ratio
Variable,Coefficient,t-statistic,Significance
Constant,2.562,1.387,0.169
Unemployment rate (t),1.016,8.852,0.000***
Change in household real gross disposable income per capita (t+1),-0.435,-3.893,0.000***
Real overdraft interest rate (t),0.151,2.169,0.033**
Ratio of household total wealth to gross disposable income (t-1),-0.544,-2.616,0.010***
Source: ,Office for National Statistics estimates