France PEL individual accounts count
France PEL individual accounts count stood at 8,163,905 Accounts 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) | |||||||
| Number of accounts held by individuals | 8,163,905 | 9,045,314 | 9,935,340 | 11,252,306 | 12,235,060 | 12,846,850 | |
| Deposits during the year | 16,700 | 19,055 | 20,784 | 25,462 | 24,714 | 27,601 |
Understanding france PEL individual accounts count
The total enumeration of active home savings plan contracts maintained by individual retail clients is captured by this annual unit count. It tallies every legally valid, open agreement held by natural persons, omitting corporate entities and institutional investors. This metric records the sheer breadth of consumer participation in this specific housing-focused savings scheme, distinguishing active accounts from those that have been formally terminated. It differs from monetary volume metrics by ignoring the actual financial size of the balances, focusing entirely on contract density across the population.
Interpreting account counts requires keeping in mind that regulatory shifts regarding tax advantages or loan eligibility can trigger sudden waves of new openings or closures. Early figures are periodically revised as banks purge dormant files or finalize delayed administrative registrations from branch networks. Annual tracking provides a clearer picture of long-term consumer adoption than interim snapshots, which may be skewed by administrative processing lags. A common analytical error is assuming that a rising count of active contracts directly mirrors a proportional expansion in total mortgage lending capacity.
Frequently asked questions
- Does this count include accounts with zero or minimal balances?
- Yes, as long as the legal contract remains formally open and active on the books of the institution.
- How does this series differ from monetary volume measures?
- It counts the number of contracts rather than the total euro amount deposited within them.
- What typically causes sudden adjustments in active contract numbers?
- Changes in government regulations governing housing loan eligibility or tax incentives usually drive shifts in contract counts.