France corporate deposits over two years: outstanding
France corporate deposits over two years: outstanding stood at 3.24% in Aug 2026, according to ECB Data Portal – MFI interest rate statistics (MIR), reported by Banque de France. It is one of the indicators in the Bank interest rates and new loans table (Value · Monthly), with a complete series running from Jan 2003 to Aug 2026. The complete series with an interactive chart, free to download.
This indicator in the Bank interest rates and new loans table
| Indicator | 08-2026 | 07-2026 | 06-2026 | 05-2026 | 04-2026 | 03-2026 | 02-2026 | 01-2026 | 12-2025 | 11-2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Rates on outstanding loans | |||||||||||
| Deposits from corporations with an agreed maturity of over two years (on outstanding amounts) | 3.24 | 3.21 | 3.24 | 3.17 | 3.2 | 3.25 | 3.3 | 3.2 | 3.12 | 3.21 | |
| Deposits from households with an agreed maturity of over two years (on outstanding amounts) | 2.58 | 2.57 | 2.59 | 2.57 | 2.59 | 2.57 | 2.67 | 2.55 | 2.54 | 2.58 |
Understanding france corporate deposits over two years: outstanding
Weighted-average annualized yields paid specifically on fixed-term deposits originating from the corporate sector with contractual maturities exceeding two years are tracked by this series. It measures the enterprise remuneration rate for locked corporate capital, omitting retail savers, overnight enterprise balances, and short-term working capital placements. By isolating business deposits past the two-year threshold, the indicator reflects corporate treasury strategies regarding longer-term cash management and liquidity locking.
Evaluating this metric necessitates an understanding of corporate cash-flow cycles and large-scale balance sheet adjustments, which can create month-to-month volatility independent of broader monetary policy shifts. Observers should examine rolling period comparisons to isolate genuine funding cost adjustments from seasonal corporate tax or dividend settlement dates. When benchmarked against household long-term rates, this enterprise measure often reflects wholesale funding realities and negotiated volume-based yields unavailable to retail depositors.
Frequently asked questions
- Whose deposits are measured within this corporate-specific classification?
- Only non-financial corporations and related business entities holding fixed-term deposits above the two-year threshold are included, excluding individual household savers.
- How does maturity length affect this corporate yield metric?
- Because contracts must exceed two years, the series reflects medium-to-long-term corporate liquidity planning rather than immediate operational cash reserves.
- Why might corporate agreed-term rates diverge from overnight business deposit rates?
- Locked capital compensates institutions for duration risk, typically commanding a different yield structure than immediately accessible overnight operating funds.