Deutsche Bundesbank Interest rate statistics
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1 Methodological notes on interest rates statistics interest rates for savings deposits with agreed notice of 3 months The term standard savings rate originally referred to the interest restricted basis. rate for savings deposits at statutory notice. This interest rate was regulated by the deposit rates regulation, which was abolished in Within the framework of the MFI interest rate statistics, savings In the normal sense of the term it was applied to the average deposits at three months notice with minimum rates of return interest rate on savings deposits at statutory period of notice a (time-series: SU0022) and higher rates of return are included in the three-month notice period from July 1993 onwards which was households deposits redeemable at notice up to three months calculated as part of the Bundesbank s former interest rate statistics (time-series: SUD105). This "product basket" contains all deposits of from June 1967 onward. Starting in November 1996, the savings households and non-financial corporations redeemable at notice up deposits with a three-month period of notice used for the basic to three months. The interest rates are calculated as volumesavings rate were termed savings deposits with minimum rates of weighted averages of outstanding amounts at the end of the return (time series: SU0022 average interest rate, SU0023 lowest rate month. The inclusion of a wider range of different types of savings of spread, SU0024 highest rate of spread). deposits including instruments bearing higher rates of interest such as growth savings accounts, indexed-linked savings or volume- The interest rates calculated for savings deposits with minimum rates dependent graduated interest rate agreements had pushed the of return and a (until June 1993 statutory) period of notice of three average interest rate in the MFI interest rate statistics 1 1 /2 percentage months (time series SU0022) in the context of the Bundesbank s points higher during the overlapping collecting period from January former interest rate statistics were often used as a reference value for to June 2003 than that on the standard savings deposit component calculating the interest on rent deposits. (time-series: SU0022) in the Bundesbank s former statistics on lending and deposit rates. In addition, the category (SUD105) collected as When the Bundesbank s interest rate statistics were changed as of the outstanding amounts at the end of the month contains not only pure November 1996 reporting month, above all the collection of data on new business but also "old contracts" from past periods when interest interest rates on savings deposits was modified; greater emphasis was rates were higher. The interest rate is calculated as volume-weighted now placed on newer savings methods such as bonus-carrying average. Spreads are not calculated for the MFI interest rate statistics. savings deposits and special savings forms (see savings deposits with higher interest rates). The interest rate for savings deposits with minimum rates of return, redeemable at notice up to three months, is lower than the interest The Bundesbank s former interest rate statistics measured the rate for time series SUD105. However, from July 2003 onward, it is interest rates most frequently agreed upon for new business with generally not possible to calculate the exact interest rate level by domestic non-banks as well as extensions of and changes to earlier deducting around 1 1 /2 percentage points, because, as mentioned agreements in a two-week (mid-month) reporting period. The interest above, time series SUD105 comprises a number of different rates for savings deposits were calculated as the unweighted components with different interest rates and the components have arithmetic average of the reported interest rates within the spread. varying shares in the total volume. From October 2009 onward, The spread was calculated by eliminating the highest 5% and the deducting 1 1 /2 percentage points even results in negative interest lowest 5% of the reported interest rates. rates. In July 2003 the Bundesbank s interest rate statistics were superseded Change of the grossing-up procedure in MFI interest rate by the new MFI interest rate statistics, the German contribution to the statistics: The grossing-up procedure was changed according to the harmonised MFI interest rate statistics in the countries participating in ECB (Guideline ECB/2014/15). The interest rates published hitherto the European monetary union. Tables with lending and deposit rates until May 2015 in the time series SUD105 (grossed-up with the for new business from 2003 are also enclosed. Since the two sets of previous procedure) are now available in the time series SUS105. For statistics differ in their methodology, the statistical results of both the time series SUD105 the data were grossed-up again with the new sources can be compared with each other only on a very method from June 2010 to May MFI interst rate statistics New business Bundesbank s survey of lending and deposit rates Deposits from households redeemable at notice of up to Savings deposits with agreed notice of 3 months 3 months with minimum rates of return (including non-financial corporations deposits redeemable at (of domestic non-banks) notice of 3 months) Fidelity and groth premia are included when they are granted. These rates do not include any bonus payments. Volume-weighted average interest rates of outstanding amounts Most frequently applied interest rate for new business at the end of the month SUD105: Deposits redeemable at notice of up to 3 months SU0022: Savings deposits with minimum rates of return (from January 2003 ) (June 1967 to June 2003) An interest rate above the minimum rates of return and/or a premium or a bonus was granted. without a duration of contract being agreed (November 1996 to June 2003) SU0518: less than EUR 5,000 SU0521: EUR 5,000 and more but less than EUR 10,000 SU0524: EUR 10,000 and more but less than EUR 25,000 and a duration of contract being agreed Savings deposits of EUR 10,000 and more but less than EUR 25,000 (November 1996 to June 2003) In the case of products for which a graduated interest rate, a premium, a bonus payment, additional interest or a combination thereof had been granted, the institutions reported not the nominal interest rate applying on the transaction but the total rate of return which was paid when savings plans were held until maturity or when savings objectives had been achieved. SU0527: duration of contract up to 1 year SU0530: duration of contract over 1 year and up to 4 years SU0533: duration of contract over 4 years (AT SparMe)
2 Interest rates and volumes for new business of German Banks (MFIs) *, o Households deposits redeemable at notice up to 3 months Households deposits Households deposits Households deposits Households deposits redeemable at notice redeemable at notice redeemable at notice redeemable at notice up to 3 months 1 up to 3 months 1 up to 3 months 1 up to 3 months 1 Effective Effective Effective Effective interest rate 2 Volume 3 interest rate 2 Volume 3 interest rate 2 Volume 3 interest rate 2 Volume 3 % pa million % pa million % pa million % pa million End of month SUD105 SUD205 End of month SUD105 SUD205 End of month SUD105 SUD205 End of month SUD105 SUD Jan , Jan , Jan , Jan ,544 Feb ,714 Feb ,454 Feb ,856 Feb ,378 Mar ,370 Mar ,191 Mar ,707 Mar ,471 Apr ,486 Apr ,120 Apr ,337 Apr ,261 May ,156 May ,973 May ,120 May ,271 June ,111 June ,997 June ,314 June ,934 July ,133 July ,327 July ,173 July ,609 Aug ,805 Aug ,446 Aug ,749 Aug ,949 Sep ,693 Sep ,931 Sep ,809 Sep ,705 Oct ,668 Oct ,222 Oct ,641 Oct ,980 Nov ,279 Nov ,239 Nov ,106 Nov ,810 Dec ,167 Dec ,616 Dec ,587 Dec , Jan , Jan , Jan , Jan ,775 Feb ,560 Feb ,835 Feb ,675 Feb ,409 Mar ,583 Mar ,185 Mar ,107 Mar ,575 Apr ,420 Apr ,524 Apr ,039 Apr ,792 May ,649 May ,505 May ,995 May ,122 June ,366 June ,428 June ,919 June ,649 July ,800 July ,345 July ,534 July ,501 Aug ,415 Aug ,199 Aug ,324 Aug ,503 Sep ,492 Sep ,923 Sep ,677 Sep ,980 Oct ,856 Oct ,584 Oct ,818 Oct ,209 Nov ,807 Nov ,459 Nov ,244 Nov ,406 Dec ,840 Dec ,527 Dec ,458 Dec , Jan , Jan , Jan , Jan ,834 Feb ,068 Feb ,504 Feb ,687 Feb ,566 Mar ,937 Mar ,140 Mar ,260 Mar ,136 Apr ,005 Apr ,565 Apr ,646 Apr ,260 May ,455 May ,968 May ,835 May ,046 June ,200 June ,518 June ,594 June ,416 July ,042 July ,019 July ,971 July ,553 Aug ,260 Aug ,401 Aug ,142 Aug ,173 Sep ,247 Sep ,521 Sep ,842 Sep ,108 Oct ,181 Oct ,657 Oct ,870 Oct ,700 Nov ,020 Nov ,488 Nov ,862 Nov ,935 Dec ,955 Dec ,429 Dec ,012 Dec , Jan , Jan , Jan , Jan ,145 Feb ,281 Feb ,075 Feb ,906 Feb ,604 Mar ,333 Mar ,809 Mar ,731 Mar ,077 Apr ,543 Apr ,783 Apr ,024 May ,976 May ,706 May ,416 June ,349 June ,359 June ,104 July ,445 July ,008 July ,278 Aug ,932 Aug ,668 Aug ,851 Sep ,091 Sep ,188 Sep ,990 Oct ,334 Oct ,900 Oct ,680 Nov ,245 Nov ,907 Nov ,234 Dec ,476 Dec ,222 Dec ,260 * The MFI interest rate statistics are based on the interest rates applied by MFIs and sake of simplicity. This means that all outstanding deposit business at the end of the the related volumes of euro-denominated deposits and loans to households and month has to be incorporated in the calculation of average rates of interest. non-financial corporations domiciled in the euro area. The household sector 1 Including non-financial corporations deposits; including fidelity and growth comprises individuals (including sole proprietors) and non-profit institutions serving premia. 2 The effective interest rates are calculated either as annualised agreed households. Non-financial corporations include all enterprises other than insurance interest rates or as narrowly defined effective rates. Both calculation methods cover companies, banks and other financial institutions. The interest rate statistics gathered all interest payments on deposits and loans but not any other related charges which on a harmonised basis in the euro area from January 2003 are collected in Germany may occur for enquiries, administration, preparation of the documents, guarantees on a sample basis. The most recent figures are in all cases to be regarded as provision- and credit insurance. Disagios are regarded as interest payments and included in the al. Subsequent revisions appearing in the following month are not specially marked. interest rate calculation. The annualised agreed interest rate and the narrowly Further information on the MFI interest rate statistics can be found on the defined effective rate differ in the underlying method of annualising interest rate Bundesbank s website (Statistics / Money and capital markets / Interest rates and payments. 3 Data based on monthly balance sheet statistics. 4 The interest yields / Interest rates on deposits and loans). o In the case of deposits redeemable rates published from June 2010 to May 2015 were grossed-up again with a new at notice, new business is collected in the same way as outstanding amounts for the method according to the ECB Guideline ECB/2014/15 (see also page 1). (TT Spar3ie)
3 Savings deposits with agreed notice of three months % pa Savings deposits Savings deposits Savings deposits with minimum rates of return 2 with minimum rates of return 2 with minimum rates of return 2 with agreed notice of 3 months with agreed notice of 3 months with agreed notice of 3 months Average Average Average interest interest interest rate Spread rate Spread rate Spread Reporting Reporting Reporting period 1 SU0022 SU0023 / SU0024 period 1 SU0022 SU0023 / SU0024 period 1 SU0022 SU0023 / SU Jan Jan Jan Feb Feb Feb Mar Mar Mar Apr Apr Apr May May May June June June July July July Aug Aug Aug Sep Sep Sep Oct Oct Oct Nov Nov Nov Dec Dec Dec Jan Jan Jan Feb Feb Feb Mar Mar Mar Apr Apr Apr May May May June June June July July July Aug Aug Aug Sep Sep Sep Oct Oct Oct Nov Nov Nov Dec Dec Dec Jan Jan Jan Feb Feb Feb Mar Mar Mar Apr Apr Apr May May May June June June July July July Aug Aug Aug Sep Sep Sep Oct Oct Oct Nov Nov Nov Dec Dec Dec Jan Jan Jan Feb Feb Feb Mar Mar Mar Apr Apr Apr May May May June June June July July Aug Aug Sep Sep Oct Oct Nov Nov Dec Dec Jan Jan Feb Feb Mar Mar Apr Apr May May June June July July Aug Aug Sep Sep Oct Oct Nov Nov Dec Dec * The average rates are calculated as unweighted arithmetic means from the interest statutory notice. These rates do not include any bonus payments. 3 Since January rates reported to be within the spread. The spread is ascertained by eliminating the 1991 the rates of the credit institutions in the new Länder have been included in the reports in the top 5% and the bottom 5% of the interest rate range. 1 Second interest rate survey. and third weeks of the months indicated. 2 Until June 1993 savings deposits at (TT Spar390e)
4 Savings deposits at statutory notice % pa Savings deposits at statutory notice Savings deposits at statutory notice Savings deposits at statutory notice Average Average Average interest rate Spread interest rate Spread interest rate Spread Reporting Reporting Reporting period 1 SU0022 SU0023 / SU0024 period 1 SU0022 SU0023 / SU0024 period 1 SU0022 SU0023 / SU June Jan Jan Sep Feb Feb Dec Mar Mar Apr Apr Mar May May June June June Sep July July Nov Aug Aug Sep Sep Feb Oct Oct May Nov Nov Aug Dec Dec Nov Jan Jan Feb Feb Feb May Mar Mar Aug Apr Apr Nov May May June June Jan July July Feb Aug Aug May Sep Sep Aug Oct Oct Nov Nov Nov Dec Dec Feb May Jan Jan Aug Feb Feb Nov Mar Mar Apr Apr Feb May May May June June July July July Aug Aug Aug Nov Sep Sep Oct Oct Feb Nov Nov May Dec Dec Aug Nov Jan Jan Feb Feb Feb Mar Mar Mar Apr Apr Apr May May May June June June July July July Aug Aug Aug Sep Sep Sep Oct Oct Oct Nov Nov Nov Dec Dec Dec Jan Jan Jan Feb Feb Feb Mar Mar Mar Apr Apr Apr May May May June June June July July July Aug Aug Aug Sep Sep Sep Oct Oct Oct Nov Nov Nov Dec Dec Dec Jan Jan Jan Feb Feb Feb Mar Mar Mar Apr Apr Apr May May May June June June July July July Aug Aug Aug Sep Sep Sep Oct Oct Oct Nov Nov Nov Dec Dec Dec * The average rates are calculated as unweighted arithmetic means from the interest reports in the top 5% and the bottom 5% of the interest rate range. 1 Second rates reported to be within the spread. The spread is ascertained by eliminating the and third weeks of the months indicated. (TT Spar367e)
5 Savings deposits with agreed notice of three months and higher rates of return o % p.a. Savings deposits 10,000 and more but less than 25,000 Savings deposits without a duration of contract being agreed and a duration of contract of (total rate of return) 2 5,000 and more 10,000 and more up to and more than 1 year and up less than 5,000 but less than 10,000 but less than 25,000 including 1 year to and including 4 years more than 4 years Average Average Average Average Average Average interest interest interest interest interest interest rate Spread rate Spread rate Spread rate Spread rate Spread rate Spread Reporting period 1 SU0518 SU0519 / SU0520 SU0521 SU0522 / SU0523 SU0524 SU0525 / SU0526 SU0527 SU0528 / SU0529 SU0530 SU0531 / SU0532 SU0533 SU0534 / SU Nov Dec Jan Feb Mar Apr May June July Aug Sep Oct Nov Dec Jan Feb Mar Apr May June July Aug Sep Oct Nov Dec Jan Feb Mar Apr May June July Aug Sep Oct Nov Dec Jan Feb Mar Apr May June July Aug Sep Oct Nov Dec Jan Feb Mar Apr May June July Aug Sep Oct Nov Dec Jan Feb Mar Apr May June July Aug Sep Oct Nov Dec Jan Feb Mar Apr May June * The average rates are calculated as unweighted arithmetic means from the interest 1 Second and third weeks of the months indicated. 2 Rate of return which is paid rates reported to be within the spread. The spread is ascertained by eliminating the when savings plans are held until maturity or when savings objectives have been reports in the top 5% and the bottom 5% of the interest rate range. o An interest achieved. 3 Collected from November rate above the minimum rate of return and/or a premium or a bonus is granted. (TT Spar3he)
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