German household long-term time deposits transactions
German household long-term time deposits transactions stood at 2.7 EUR billion in Q2 2026, according to Deutsche Bundesbank. It is one of the indicators in the Household financial accounts table (Value · Quarterly), with a complete series running from Q1 1999 to Q2 2026. The complete series with an interactive chart, free to download.
This indicator in the Household financial accounts table
| Indicator | Q2-2026 | Q1-2026 | Q4-2025 | Q3-2025 | Q2-2025 | Q1-2025 | Q4-2024 | Q3-2024 | Q2-2024 | Q1-2024 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Other deposits | 8.6 | 2.7 | 3.9 | -6.9 | -9.7 | -11.7 | -17.1 | 19.5 | 33.7 | 64.1 | |
| Time deposits | 2.9 | 3.8 | 6.4 | -3.5 | -6.9 | -3.7 | -1.1 | 21.9 | 36.1 | 60.4 | |
| Long-term time deposits | 2.7 | 4.9 | 5.3 | 8.1 | 1.4 | -0.2 | -6.9 | 3.4 | 8.9 | 11.5 |
Understanding german household long-term time deposits transactions
Multi-year deposit commitments locking household funds with credit institutions beyond an initial maturity of one year are traced through this flow series. It covers net subscription flows and contractual liquidations of term deposits that carry agreed terms exceeding twelve months at inception. The series excludes short-duration time deposits maturing within one year, notice savings deposits, and tradable bank debt paper. By isolating extended fixed-rate agreements, the measure illustrates structural household commitments to commercial bank balance sheets over multi-year horizons.
Unlike short-term deposits, multi-year placements exhibit less high-frequency churning, yet transaction volumes remain subject to lump-sum contractual expirations. Comparing identical quarters across years provides an honest measure of long-term retail deposit developments, preventing seasonal rollover distortions from clouding analytical conclusions. A key analytical consideration is contract maturity: when a multi-year deposit matures, the payout represents a negative transaction in this series, even if the funds are immediately reinvested into a short-term term facility or checking account. Initial quarterly figures are subject to statistical revisions when credit institutions report final balance sheet details.
Frequently asked questions
- What qualifies as a long-term time deposit in this table?
- Any fixed-term deposit contracted with an original maturity of more than one year is classified as long-term.
- What happens in this series when a three-year time deposit matures?
- The maturity of the principal is recorded as a negative transaction, reducing the net transaction balance for that quarter.
- Does this measure include structured bank debt securities?
- No, tradable securities are excluded from deposit categories and tracked separately under debt securities.