German corporate long-term time deposit transactions
German corporate long-term time deposit transactions stood at 0.1 EUR billion in Q1 2026, according to Deutsche Bundesbank. It is one of the indicators in the Non-financial corporations' financial accounts table (Value · Quarterly), with a complete series running from Q1 1999 to Q1 2026. The complete series with an interactive chart, free to download.
This indicator in the Non-financial corporations' financial accounts table
| Indicator | Q1-2026 | Q4-2025 | Q3-2025 | Q2-2025 | Q1-2025 | Q4-2024 | Q3-2024 | Q2-2024 | Q1-2024 | Q4-2023 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Other deposits | -0.4 | 4.1 | 14.7 | -15 | -3.6 | 2.6 | 10.2 | -12.3 | 17.5 | 1.7 | |
| Time deposits | -0.3 | 4.4 | 14.8 | -15 | -3.9 | 2.7 | 9.8 | -12.9 | 17.3 | 1.2 | |
| Long-term time deposits | 0.1 | -0.7 | -0.1 | -1.2 | 1.1 | -0.9 | 1 | 0.4 | -0.8 | -1.2 |
Understanding german corporate long-term time deposit transactions
Extended-tenor deposit facilities established with credit institutions for contractual terms exceeding twelve months are measured in this series. It captures net additions to and redemptions from long-tenor fixed-term deposits maintained by non-financial corporations with banking institutions. The series stands apart from short-term time deposits, which mature within twelve months, and from savings deposits, which rely on notice arrangements rather than contractual maturity terms. By isolating capital committed beyond the annual operating cycle, this row captures structural rather than short-term operational cash allocations.
Given that non-financial enterprises rarely lock operational liquidity into multi-year fixed-term bank products, quarterly transaction activity remains modest and displays occasional discrete jumps tied to earmarked corporate reserves. Year-on-year tracking over four quarters is far more meaningful than quarter-on-quarter changes, which are often distorted by the timing of individual contract commencements or expirations. Figures are updated as annual banking sector surveys and corporate balance sheets are finalized. Users should remember that these flows reflect transaction values devoid of interest accruals or currency revaluations, tracking strictly new capital committed minus matured commitments.
Frequently asked questions
- What qualifies a corporate deposit as long-term?
- A deposit is classified as long-term when its contractually agreed initial maturity exceeds one year from the date of deposit.
- Why are corporate long-term time deposit transaction volumes generally low?
- Non-financial corporations typically prefer to keep surplus cash liquid or invest in marketable debt securities rather than commit funds to multi-year non-negotiable bank deposits.
- How do these transactions differ from marketable corporate bonds held by firms?
- Long-term time deposits are non-negotiable bilateral contracts with banks, whereas corporate bonds are tradable securities traded in financial markets.