Germany corporate deposit rates, maturity up to 1 year
Germany corporate deposit rates, maturity up to 1 year stood at 2.25% in Aug 2026, according to Deutsche Bundesbank. It is one of the indicators in the Bank interest rates table (Value · Monthly), with a complete series running from Jan 2003 to Aug 2026. The complete series with an interactive chart, free to download.
This indicator in the Bank interest rates table
| Indicator | 08-2026 | 07-2026 | 06-2026 | 05-2026 | 04-2026 | 03-2026 | 02-2026 | 01-2026 | 12-2025 | 11-2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Deposits | |||||||||||
| Business, Non-financial corporations' deposits with an agreed maturity of up to 1 year, SUD108 | 2.25 | 2.25 | 2.16 | 2.01 | 1.97 | 1.92 | 1.88 | 1.88 | 1.88 | 1.89 | |
| Business, Households' deposits with an agreed maturity of up to 1 year, SUD102 | 2.28 | 2.22 | 2.16 | 2 | 1.94 | 1.89 | 1.85 | 1.84 | 1.79 | 1.78 |
Understanding germany corporate deposit rates, maturity up to 1 year
Short-duration capital lockups executed by non-financial enterprises define the specific scope of this commercial interest rate measure. It aggregates the returns generated when incorporated businesses commit their excess liquidity to fixed-term bank deposits lasting anywhere from a single day up to exactly 1 year. This specific time horizon captures standard corporate treasury practices aimed at securing a guaranteed yield on cash reserves earmarked for upcoming annual liabilities, such as tax payments or scheduled capital expenditures. It explicitly excludes both instantly accessible operational funds and longer-term strategic cash placements.
Interpreting this short-term corporate yield requires understanding its role as a direct alternative to commercial paper or short-dated government bills. The rates reported here represent newly agreed contracts during the reference month, meaning they immediately reflect the prevailing sentiment regarding near-term monetary policy expectations. Month-on-month comparisons provide a highly accurate gauge of how banks bid for temporary corporate liquidity. Analysts should be cautious when tracking seasonal variations, as corporate deposit volumes can surge at specific points in the financial calendar, subtly altering the composition of the weighted average toward particular sub-maturities within the 1 year band.
Frequently asked questions
- Are notice accounts with a structural withdrawal warning classified here?
- Notice deposits are typically grouped in a separate category entirely, as this metric focuses strictly on agreed maturity dates established at origination.
- Does this include deposits made by insurance companies?
- Insurance firms are categorized within the financial sector, meaning their deposits are excluded from this non-financial corporate metric.
- How does this metric behave when policy shifts are anticipated?
- The yield typically prices in expected future actions, reacting proactively before the central bank actually alters the base rate.