Interest rates on deposits 2021Jun

Published on the 2nd of August 2021

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Interest rates on bank deposits - France - April 2021

The average interest rates on bank deposits is almost unchanged in June at 0.43%.

Interest rates on outstanding amounts of deposits in percentage and seasonally adjusted (a)

May-2020 Apr- 2021 May-2021 (e) Jun-2021 (f)
Average interest rates on bank deposits 0.47 0.44 0.44 0.43
Households 0.70 0.66 0.65 0.65
of which : - overnight deposits 0.02 0.02 0.02 0.02
- deposits with agreed maturity up to 2 years (g) 0.58 0.42 0.43 0.43
- deposits with agreed maturity over 2 years (g) 1.12 0.94 0.93 0.91
- regulated savings deposits (b) 0.53 0.53 0.53 0.53
of which : passbooks A 0.50 0.50 0.50 0.50
- ordinary savings passbooks 0.13 0.10 0.10 0.10
- home savings plans 2.63 2.60 2.60 2.60
NFC 0.17 0.14 0.13 0.13
of which : - overnight deposits 0.08 0.08 0.07 0.08
- deposits with agreed maturity up to 2 years (g) 0.18 0.13 0.12 0.13
- deposits with agreed maturity over 2 years (g) 1.04 0.79 0.76 0.74
For information :
Minimum bid rate in the Eurosystem tenders 0.00 0.00 0.00 0.00
3-month Euribor (c) -0.38 -0.54 -0.54 -0.54
Performance of the Constant Maturity Rate of 5 years (c), (d) -0.46 -0.48 -0.38 -0.41
Note: Due to rounding, the sum may differ slightly from the total of the components

a. Interest rates presented here are effective rates calculated by dividing the accrued interest flows for the months under review by the monthly averages of the corresponding outstanding amounts. For the different types of deposits, including step-up deposits, they correspond to the average conditions practiced during the month under review by the French credit institutions on deposits of non-financial corporations and households (including non-profit institutions serving households) residents.
b. Regulated rates passbooks include passbooks A, blue passbooks, sustainable development passbooks, home savings plans, youth passbooks and people's savings passbooks.
c. Monthly averages.
d. 5 years Constant Maturity Rate. Source: French Bond Association.
e. Revised data.
f. Provisional data.
g. Including taxed saving books, other special saving accounts, people saving plans (PEP) and subordinated loans
Remuneration on deposits with monetary financial institutions
Households and NFC's deposits (in %)
Households and NFC's deposits with agreed maturity by duration (in %)
Passbooks A and Ordinary savings passbooks
In %
Home savings plans PEL
(in %)
* The regulatory formula of the rate of the PEL (home savings plans)
is the maximum of the following two terms:
- 70% 5-year swap rate + 30% (10-year swap rate - 2-year swap rate), rounded up to the nearest 1/4 percentage point,
- 1%
Source: BANQUE DE FRANCE - DIRECTION GÉNÉRALE DES STATISTIQUES, DES ÉTUDES ET DE L'INTERNATIONAL
More information on: long series, calendar, methodology

All statistical time series published by the Banque de France can be accessed on Webstat Banque de France

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STAT INFO - June 2021
Interest rates on bank deposits
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Download the PDF version of the document
TAU_REM_DEP_BAN_2238_en__SI-TauxInteretDepots_202106_EN.pdf
TAU_REM_DEP_BAN_2238_en__SI-TauxInteretDepots_202106_EN.pdf (PDF - 157 Ko)

Updated on the 30th of July 2021