Germany non-financial firms long-term savings deposits
Germany non-financial firms long-term savings deposits 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 | 304.7 | 305.9 | 302.7 | 288.1 | 303.8 | 307.4 | 306.3 | 296.3 | 308.5 | 290.9 | |
| Savings deposits | 3 | 3 | 3.2 | 3.2 | 3.1 | 3 | 3.1 | 3.2 | 3.2 | 3.2 | |
| Long-term savings deposits | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.2 | 0.2 | 0.2 |
Understanding germany non-financial firms long-term savings deposits
Extended-notice savings arrangements with advance notification requirements exceeding three months define this patient capital metric. It includes extended-notice savings accounts placed by non-financial enterprises with banking institutions. Short-notice savings deposits, fixed-maturity term deposits, and transferable sight balances are excluded. By isolating accounts with prolonged notice obligations, this row measures patient corporate cash reserves where immediate liquidity has been traded away in exchange for specific contractual conditions.
Balances with extended notice provisions exhibit noticeable persistence, rarely experiencing sudden quarter-on-quarter swings unless corporate treasurers execute broad balance sheet reorganizations. Annual comparisons offer the clearest perspective on whether enterprises are expanding or contracting their patient bank reserves over time. The series is recorded at nominal contractual value, insulating it from market price volatility, though exchange rate translation affects foreign currency balances. Revisions occur when banking surveys clarify notice terms on customized corporate deposit agreements. Analysts should not treat this row as part of immediate working capital, as lengthier notice rules prevent fast deployment for unexpected operational demands.
Frequently asked questions
- What notice condition separates long-term savings deposits from short-term ones?
- Long-term savings deposits require an agreed notice period longer than three months before funds can be redeemed.
- How liquid are these deposits for day-to-day enterprise operations?
- They are illiquid in the short run because the contractual notice requirement prevents immediate access for daily commercial payments.
- Can fluctuations in stock or bond markets alter this series?
- No, balances are booked at nominal value and do not undergo market price adjustments.