Table ( 13 ) Account III.1 : Capital account Households S. 14   (In million Saudi riyals) 2000 1999 Code Transaction Use Resources Use Resources B.8n Saving , net 20,089   27,709   P.51 Gross fixed capital formation   637   154 K.1 Consumption of fixed capital 0 -692 0 -1,066 P.52 Changes in inventories   738   7 P.53 Acquisitions less disposals of valuables   0   0 K.2 Acquisitions less disposals of non-produced non-financial assets   0   0 D.9 Capital transfers, receivable 64   0   D.9 Capital transfers , payable -188   0   B.9 ( - ) Net lending ( + ) / net borrowing   19,283   27,548 B.10.1 Changes in net worth due to saving and capital transfers 19,965   27,709