France household deposits over two years: outstanding
France household deposits over two years: outstanding stood at 2.58% 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 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 | |
| Deposits with an agreed maturity of up to two years (on outstanding amounts) | 2.43 | 2.4 | 2.34 | 2.27 | 2.26 | 2.24 | 2.28 | 2.26 | 2.36 | 2.35 |
Understanding france household deposits over two years: outstanding
Retail savers' cumulative remuneration on fixed-term accounts extending beyond two years is quantified through this indicator, measuring the weighted-average interest paid by banks on household long-term deposits. The scope covers individual and non-profit institution balances locked for prolonged periods, completely excluding corporate treasuries, short-term passbooks, and transactional overnight accounts. It serves as a direct gauge of retail long-term savings pricing within the commercial banking sector.
Reviewing these figures requires caution regarding consumer reaction lags to broader monetary policy adjustments, as fixed retail contracts insulate savers and banks from immediate rate shocks. Analysts should rely on medium-term trend comparisons rather than isolated monthly readings, keeping in mind that regulatory adjustments or product category reclassifications can occasionally introduce step changes. Cross-referencing this series with short-term retail deposit measures illustrates the term premium demanded by household savers for locking up liquidity.
Frequently asked questions
- Which depositor group contributes to this retail-focused rate?
- Only households and non-profit institutions serving households are captured, excluding corporations and financial intermediaries.
- Does this measure include standard passbook savings or regulated retail accounts?
- No, it is restricted strictly to deposits featuring an agreed maturity exceeding two years, omitting demand and short-term regulated passbooks.
- How should analysts handle legacy contracts in this long-duration household series?
- Acknowledge that older high- or low-rate contracts dampen the immediate visibility of current central bank policy changes within the outstanding stock.