France household deposit volume: agreed maturity
France household deposit volume: agreed maturity stood at 12,279 EUR million 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| New loan volumes | |||||||||||
| Deposits from households with an agreed maturity (new business) | 12,279 | 18,580 | 17,222 | 13,327 | 16,042 | 15,837 | 14,803 | 16,916 | 16,378 | 13,086 | |
| Loans to corporations of up to EUR 1M (new business) | 7,876 | 12,317 | 12,220 | 9,187 | 11,349 | 11,686 | 9,915 | 10,280 | 13,440 | 9,677 |
Understanding france household deposit volume: agreed maturity
Fixed-term savings contracts established by individual retail depositors with banking institutions, specifying a predetermined maturity date before which funds cannot be withdrawn without penalty, comprise this measure. It aggregates new retail term deposits and fixed-duration savings accounts opened by households during the reference month, capturing personal fixed-income savings flows. This sibling series isolates retail household time deposits from corporate treasury placements and liquid overnight checking accounts, providing a targeted indicator of household savings preferences. It excludes demand deposits, regulated savings passbooks with flexible withdrawal terms, and any retail funds lacking a fixed maturity agreement.
Interpreting this household term deposit indicator requires accounting for prevailing retail interest rate spreads and the competitive attractiveness of alternative savings vehicles, such as government-regulated savings plans. Analysts prefer year-on-year comparisons to neutralize seasonal bonus payments and holiday cash flow cycles that routinely influence retail savings behavior. Early statistical estimates frequently undergo administrative revisions as banking institutions finalize their monthly retail account reconciliations. A major analytical pitfall is treating this agreed-maturity volume as total household financial wealth, disregarding liquid checking balances, equities, and mutual fund holdings.
Frequently asked questions
- What forms of retail savings are captured in household agreed maturity deposits?
- Fixed-term retail deposits and time-restricted personal savings accounts opened with banks are included.
- Does this series include regulated tax-advantaged savings passbooks?
- No, regulated savings flows are tracked under separate specialized categories rather than fixed maturity term deposits.
- Why is annual comparison recommended for retail term deposit analysis?
- Annual comparisons effectively smooth out predictable seasonal savings surges driven by annual bonuses and holiday cash inflows.