German corporate loans over 1 year, 12-month rate reset
German corporate loans over 1 year, 12-month rate reset stood at 292,981 Mio EUR in Aug 2026, according to Deutsche Bundesbank. It is one of the indicators in the Bank lending and deposit volumes table (Value · Monthly), with a complete series running from Dec 2014 to Aug 2026. The complete series with an interactive chart, free to download.
This indicator in the Bank lending and deposit volumes table
| Indicator | 08-2026 | 07-2026 | 06-2026 | 05-2026 | 04-2026 | 03-2026 | 02-2026 | 01-2026 | 12-2025 | 11-2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Outstanding amounts | |||||||||||
| Loans to non-financial corporations with original maturity over 1 year, residual maturity over 1 year, interest rate reset in the next 12 months, SUD063 | 292,981 | 292,047 | 289,551 | 287,215 | 285,269 | 282,021 | 279,872 | 279,053 | 282,316 | 284,198 | |
| Loans to households with original maturity over 1 year, residual maturity over 1 year, interest rate reset in the next 12 months, SUD037 | 126,093 | 125,170 | 125,143 | 119,326 | 122,488 | 122,723 | 118,279 | 121,118 | 121,501 | 116,844 |
Understanding german corporate loans over 1 year, 12-month rate reset
Medium and long-term commercial obligations facing an imminent interest rate adjustment highlight the segment of corporate leverage most acutely exposed to immediate monetary policy transmission. The measure filters loans to non-financial entities that originally exceeded a twelve-month duration, maintain a remaining lifespan beyond one year, yet are contractually mandated for rate renegotiation within the next twelve months. This highly specific intersection eliminates purely variable-rate instruments and firmly locked fixed-rate agreements. By isolating this precise repricing window, the metric reveals the exact volume of structural business debt about to absorb updated borrowing costs. Totals are expressed in Mio EUR.
Tracking this repricing vulnerability demands alignment with central bank meeting schedules rather than standard annual comparisons. The volume swells and contracts based on historical rate-fixing preferences rather than immediate economic activity, making month-on-month analysis primarily a mechanical exercise in observing contracts rolling into the twelve-month window. Revisions are rare but generally stem from banks correcting the intricate contractual parameters of complex multi-currency facilities. Abrupt shifts typically signal proactive corporate behavior, as treasurers deliberately break existing agreements to refinance ahead of anticipated adverse yield curve movements. Observers rely on this aggregate to calculate the immediate cost shock approaching the commercial sector.
Frequently asked questions
- Are standard floating-rate corporate loans included here?
- Standard floating-rate facilities are excluded, as this metric targets fixed or hybrid structures approaching a defined, contractual rate reset milestone.
- Does this capture debt maturing within the next year?
- No, the underlying loan must possess a final repayment date extending beyond twelve months; only the interest rate fixing expires shortly.
- Why is this specific twelve-month window critical?
- It identifies the exact segment of the corporate balance sheet that will face directly adjusted financing costs over the immediate four quarters.