Germany household long-term time deposits
Germany household long-term time deposits stood at 268.9 EUR billion in Q1 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 Q1 2026. The complete series with an interactive chart, free to download.
This indicator in the Household 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 | 1,169.9 | 1,163.3 | 1,156.2 | 1,163.2 | 1,179.4 | 1,194.5 | 1,204.4 | 1,188.4 | 1,153.8 | 1,088.1 | |
| Time deposits | 653.3 | 645.5 | 635.9 | 639.5 | 653 | 660 | 646.3 | 627.9 | 591 | 529 | |
| Long-term time deposits | 268.9 | 264 | 256 | 247.9 | 246.6 | 246.8 | 251.4 | 248 | 239.2 | 227.7 |
Understanding germany household long-term time deposits
Household deposits locked into banking agreements with an original maturity exceeding one year form this specific series. These arrangements represent extended contractual commitments where funds remain immobilized over multi-year terms to secure specified returns. The scope excludes short-term time deposits maturing within one year, savings deposits subject to notice periods, and negotiable debt securities issued by banks. It captures household commitments to multi-year bank intermediation where liquidity is deliberately sacrificed for contractual yield certainty.
Long contractual durations mean aggregate balances in this series adjust far more gradually than short-term instruments in response to changing financial conditions. Quarter-on-quarter changes typically reflect the net balance between newly originated long-term contracts and older cohorts reaching maturity, making annual comparisons far more informative for evaluating structural balance sheet changes. A common pitfall is confusing original maturity with remaining maturity; a multi-year deposit continues to be recorded in this series until final expiration, regardless of how few months remain until maturity. Figures are reported at book value and are subject to routine revisions as credit institutions update regulatory filings.
Frequently asked questions
- What defines the threshold for long-term time deposits?
- This category encompasses deposits with an agreed contractual duration exceeding one year at the time of origination.
- Does a long-term deposit move to the short-term category as its maturity approaches?
- No, statistics follow original contractual maturity rather than residual maturity, so the deposit remains here throughout its life.
- How does this series differ from long-term debt securities?
- Long-term time deposits are non-negotiable bilateral bank agreements, whereas debt securities are tradable market instruments.