France household deposits by type: agreed maturity
France household deposits by type: agreed maturity stood at 408,052 EUR million in Aug 2026, according to ECB Data Portal – Balance sheet items of monetary financial institutions (BSI), France. It is one of the indicators in the Bank credit outstanding 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 credit outstanding table
| Indicator | 08-2026 | 07-2026 | 06-2026 | 05-2026 | 04-2026 | 03-2026 | 02-2026 | 01-2026 | 12-2025 | 11-2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Household deposits by type | |||||||||||
| Deposits with agreed maturity | 408,052 | 408,758 | 405,622 | 405,081 | 405,197 | 405,150 | 406,286 | 407,294 | 409,398 | 406,493 | |
| Deposits redeemable at notice (regulated savings) | 966,956 | 964,197 | 963,379 | 965,336 | 965,817 | 966,655 | 965,376 | 966,215 | 969,327 | 949,811 |
Understanding france household deposits by type: agreed maturity
This metric tracks retail savings funds placed with financial institutions for a fixed duration, requiring a predetermined maturity period or prior notice before withdrawal. It covers term deposits and fixed-term retail savings accounts held by individuals, excluding liquid overnight balances and regulated notice accounts. Standing apart from everyday transaction funds, this series captures household savings committed to earning specific interest yields over defined time horizons.
Interpreting monthly figures requires accounting for shifting interest rate environments that prompt households to move funds between term deposits and liquid accounts. Early reporting estimates undergo routine administrative revisions. Year-on-year comparisons provide the most reliable indicator of structural saving trends by smoothing out maturity rollover dates. Analysts must not treat these locked savings balances as available transaction liquidity.
Frequently asked questions
- What defines deposits with agreed maturity?
- Retail savings funds locked for a fixed term or requiring agreed notice before withdrawal.
- How does this differ from overnight deposits?
- Term deposits offer fixed interest for locked periods, while overnight deposits provide instant liquidity.
- What drives shifts in term deposit balances?
- Changes in retail interest rates strongly influence whether households lock funds into term deposits.