German new business loans >€1 million, fixed over 10 years
German new business loans >€1 million, fixed over 10 years stood at 1,900 EUR million 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 Jun 2010 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Loans to non-financial corporations | |||||||||||
| Loans to non-financial corporations over EUR 1 million with an initial rate fixation of over 10 years, SUD254 | 1,900 | 2,387 | 4,236 | 2,711 | 2,044 | 3,681 | 1,810 | 1,401 | 4,541 | 3,199 | |
| Loans to non-financial corporations up to EUR 0.25 million with an initial rate fixation of over 10 years, SUD242 | 46 | 65 | 50 | 45 | 49 | 68 | 50 | 61 | 57 | 45 |
Understanding german new business loans >€1 million, fixed over 10 years
Capturing the most substantial long-term corporate commitments, this specific tier aggregates newly negotiated loans to non-financial corporations over EUR 1 million with an initial rate fixation exceeding 10 years. This extreme duration of rate locking combined with the high principal threshold isolates funding destined for major, multi-decade capital projects, distinguishing it sharply from shorter-term liquidity bridges or minor asset financing. The series registers the total agreed principal of new contracts entered into during the reporting window. It strictly excludes standard floating-rate corporate debt, focusing entirely on borrowers choosing to secure their financing costs against long-term interest rate volatility.
Monthly readings in this category are exceptionally volatile because a single massive infrastructure or real estate development loan can profoundly distort the period-on-period comparison. To gauge the true momentum of long-term corporate investment, analysts must rely on year-on-year growth or multi-month moving averages. Retrospective revisions are a structural feature of this dataset, as the complex syndication or bespoke structuring of long-horizon loans often leads to delayed finalization of the reported values. When referencing this indicator, observers should not assume these loans will be held to full maturity; they merely feature a guaranteed rate for over 10 years, after which terms may be renegotiated entirely.
Frequently asked questions
- Do real estate development loans fall into this bracket?
- Provided the developer is classed as a non-financial corporation and the loan meets the size and rate criteria, it is included.
- Are bonds issued by the corporations counted here?
- No, this data isolates bilateral or syndicated loans from the banking sector, completely excluding debt securities like corporate bonds.
- What happens if a borrower repays the loan before the 10-year fixation expires?
- Early repayments affect the outstanding balance statistics but do not retrospectively alter this record of the loan's original new business volume.