France household deposits by type: overnight deposits
France household deposits by type: overnight deposits stood at 592,868 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 | |||||||||||
| Overnight deposits | 592,868 | 602,351 | 593,859 | 589,507 | 588,455 | 576,216 | 573,614 | 574,699 | 573,299 | 574,943 | |
| Deposits with agreed maturity | 408,052 | 408,758 | 405,622 | 405,081 | 405,197 | 405,150 | 406,286 | 407,294 | 409,398 | 406,493 |
Understanding france household deposits by type: overnight deposits
This statistical series measures liquid retail funds held in accessible bank accounts that can be converted or withdrawn immediately without penalty or prior notice. It encompasses standard checking balances and transactional accounts held by individuals, excluding time deposits and structured savings instruments. Unlike term deposits locked for specific durations, this category represents operational liquidity maintained by households for daily transactions.
Monthly figures exhibit predictable seasonal patterns tied to salary disbursements, tax payments, and holiday shopping cycles. Early estimates are subject to routine revisions as banks finalize their reporting submissions. Analysts should evaluate twelve-month growth trends to filter out recurring calendar fluctuations and temporary liquidity shifts. Comparing overnight balances directly with term deposits requires recognizing the fundamental difference in liquidity and return characteristics.
Frequently asked questions
- What accounts make up household overnight deposits?
- Checking accounts and transactional retail balances accessible immediately without notice.
- How do overnight deposits differ from agreed maturity deposits?
- Overnight funds are fully liquid and withdrawable instantly, whereas term deposits are locked for set periods.
- Why look at annual changes for liquid deposit balances?
- Annual comparisons neutralize monthly payroll and tax payment cycles that distort short-term data.