Interest rates on deposits 2022Jan

Published on the 3rd of March 2022

Lastest publications

Interest rates on deposits - 2025-02 Interest rates on deposits - 2025-01 Interest rates on deposits - 2024-12

In January the average interest rate on bank deposits remains stable

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

	Jan- 2021	Nov- 2021	Dec- 2021 (e)	Jan- 2022 (f)
Average interest rates on bank deposits	0.45	0.40	0.40	0.40
Households	0.68	0.63	0.63	0.62
of which : - overnight deposits	0.02	0.01	0.01	0.01
- deposits with agreed maturity up to 2 years (g)	0.48	0.40	0.40	0.39
- deposits with agreed maturity over 2 years (g)	1.00	0.78	0.76	0.74
- regulated savings deposits (b)	0.53	0.53	0.52	0.52
which : passbooks A	0.50	0.50	0.50	0.50
- ordinary savings passbooks	0.11	0.09	0.09	0.09
- home savings plans	2.61	2.59	2.59	2.54
NFC	0.15	0.09	0.09	0.09
of which : - overnight deposits	0.08	0.04	0.04	0.04
- deposits with agreed maturity up to 2 years (g)	0.14	0.13	0.13	0.14
- deposits with agreed maturity over 2 years (g)	0.86	0.63	0.62	0.61
For information :
Minimum bid rate in the Eurosystem tenders	0.00	0.00	0.00	0.00
3-month Euribor (c)	-0.55	-0.57	-0.58	-0.56
Performance of the Constant Maturity Rate of 5 years (c), (d)	-0.63	-0.41	-0.42	-0.21

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 - January 2022
Interest rates on bank deposits
Contact Stat Info

Download the PDF version of the document

TAU_REM_DEP_BAN_2250_en__SI-TauxInteretDepots_202201_EN.pdf

TAU_REM_DEP_BAN_2250_en__SI-TauxInteretDepots_202201_EN.pdf (PDF - 177 Ko)

Updated on the 2nd of March 2022

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