France PEL annual deposits
France PEL annual deposits stood at 16,700 EUR million in 2025, according to ECB Data Portal – Banking structural statistical indicators (SSI), France. It is one of the indicators in the Financial sector structure (annual) table (Value · Annual), with a complete series running from 2020 to 2025. The complete series with an interactive chart, free to download.
This indicator in the Financial sector structure (annual) table
| Indicator | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
| Home savings plan (PEL) | |||||||
| Deposits during the year | 16,700 | 19,055 | 20,784 | 25,462 | 24,714 | 27,601 | |
| Withdrawals during the year | 43,061 | 56,748 | 58,154 | 41,946 | 29,354 | 26,612 |
Understanding france PEL annual deposits
Gross incoming financial additions channeled into home savings plans by individual account holders throughout the annual reporting period form the basis of this monetary flow series. It sums all new cash deposits placed into these specific long-term property acquisition contracts, ignoring withdrawals, account closures, and internal interest capitalization. The scope is restricted to personal retail contributions, excluding institutional funds or inter-account transfers that do not represent fresh capital entry. This metric provides a raw measure of consumer saving effort directed specifically toward future housing investments.
Evaluating these gross deposit flows requires accounting for seasonal bonus payments and calendar-driven tax deadlines that frequently concentrate deposit activity into specific periods. Early estimates are subject to retroactive revisions when financial institutions reconcile branch-level transaction logs and correct reporting errors. Year-on-year comparisons offer the most honest analytical foundation, filtering out transient calendar anomalies and administrative reporting shifts. A frequent pitfall involves treating gross deposit figures as a proxy for net wealth accumulation, ignoring the simultaneous capital leakage occurring through withdrawals and closures.
Frequently asked questions
- Does this deposit metric include interest credited by the bank?
- No, it records fresh cash deposits made by account holders, excluding internal interest capitalization.
- How does this series differ from net inflow measures?
- It records only incoming funds without subtracting withdrawals or account liquidations.
- Why is annual comparison recommended over sub-annual tracking for deposits?
- Annual views smooth out seasonal spikes caused by year-end bonuses and tax-related planning cycles.