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  <Header>
    <ID>BBIM1_M_DE_B_A20_KKF_R_A_2250_EUR_O</ID>
    <Test>false</Test>
    <Truncated>false</Truncated>
    <Prepared>2026-05-05T21:36:40</Prepared>
    <Sender id="BBK">
      <Name xml:lang="de">Deutsche Bundesbank</Name>
      <Contact>
        <Email>presse-information@bundesbank.de</Email>
      </Contact>
    </Sender>
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    <bbk:Series FREQ="M" BBK_ID="BBIM1.M.DE.B.A20.KKF.R.A.2250.EUR.O" DECIMALS="2" UNIT="% p.a." UNIT_MULT="0" BBK_TITLE="Effektivzinssätze Banken DE / Bestände / Kredite an private Haushalte, Ursprungslaufzeit über 1 Jahr und Restlaufzeit über 1 Jahr und Zinsanpassung innerhalb der nächsten 12 Monate / SUD017" BBK_TITLE_ENG="Effective interest rates of German banks / Outstanding amounts / Loans to households with original maturity over 1 year, residual maturity over 1 year, interest rate reset in the next 12 months / SUD017" BBK_COMM_GEN="Die auf harmonisierter Basis im Euro-Währungsgebiet erhobene MFI-Zinsstatistik wird in Deutschland als Stichprobenerhebung (geschichtete Stichprobe) durchgeführt. Volumengewichteter Durchschnittssatz des Bestandes zum Monatsende. (Zunächst wird ein mit den in der monatlichen Bilanzstatistik gemeldeten Beständen gewichteter Zinssatz pro Schicht berechnet. Der Aggregatszinssatz wird ermittelt, indem die Schichtenzinssätze mit dem Gesamtbestand der jeweiligen Schicht gewichtet werden.) Die Effektivzinssätze werden entweder als annualisierte vereinbarte Jahreszinssätze (AVJ) oder als eng definierte Effektivzinssätze (NDER) ermittelt. Beide Berechnungsmethoden umfassen sämtliche Zinszahlungen auf Einlagen und Kredite, jedoch keine eventuell anfallenden sonstigen Kosten, wie z.B. für Anfragen, Verwaltung, Erstellung der Dokumente, Garantien und Kreditversicherungen. Ein gewährtes Disagio wird als Zinszahlung betrachtet und in die Zinsberechnung einbezogen. Der einzige Unterschied zwischen dem AVJ und dem NDER ist die zu Grunde liegende Methode zur Annualisierung von Zinszahlungen." BBK_COMM_GEN_ENG="The MFI interest rate statistics gathered on a harmonised basis in the euro area are collected in Germany on a sample basis (stratified sample). Volume-weighted average interest rates on outstanding amounts as end-of-period. (Interest rates per stratum are calculated by weighting the reported interest rates with the corresponding outstanding amounts from balance sheet statistics reports. Then the interest rate for Germany is aggregated by weighting the interest rates of each stratum with the total outstanding amounts of the same stratum.) The effective interest rates are calculated either as annualised agreed interest rates or as narrowly defined effective rates. Both calculation methods cover all interest payments on deposits and loans but not any other related charges which may occur for enquiries, administration, preparation of the documents, guarantees and credit insurance. Disagios are regarded as interest payments and included in the interest rate calculation. The annualised agreed interest rate and the narrowly defined effective rate differ in the underlying method of annualising interest rate payments.">
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      <bbk:Obs TIME_PERIOD="2025-04" OBS_VALUE="2.93"/>
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      <bbk:Obs TIME_PERIOD="2025-02" OBS_VALUE="3.05"/>
      <bbk:Obs TIME_PERIOD="2025-01" OBS_VALUE="3.09"/>
      <bbk:Obs TIME_PERIOD="2024-12" OBS_VALUE="3.19"/>
      <bbk:Obs TIME_PERIOD="2024-11" OBS_VALUE="3.28"/>
      <bbk:Obs TIME_PERIOD="2024-10" OBS_VALUE="3.24"/>
      <bbk:Obs TIME_PERIOD="2024-09" OBS_VALUE="3.33"/>
      <bbk:Obs TIME_PERIOD="2024-08" OBS_VALUE="3.35"/>
      <bbk:Obs TIME_PERIOD="2024-07" OBS_VALUE="3.37"/>
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      <bbk:Obs TIME_PERIOD="2024-03" OBS_VALUE="3.59"/>
      <bbk:Obs TIME_PERIOD="2024-02" OBS_VALUE="3.62"/>
      <bbk:Obs TIME_PERIOD="2024-01" OBS_VALUE="3.66"/>
      <bbk:Obs TIME_PERIOD="2023-12" OBS_VALUE="3.72"/>
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      <bbk:Obs TIME_PERIOD="2022-11" OBS_VALUE="2.79"/>
      <bbk:Obs TIME_PERIOD="2022-10" OBS_VALUE="2.68"/>
      <bbk:Obs TIME_PERIOD="2022-09" OBS_VALUE="2.33"/>
      <bbk:Obs TIME_PERIOD="2022-08" OBS_VALUE="2.26"/>
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      <bbk:Obs TIME_PERIOD="2022-06" OBS_VALUE="2.19"/>
      <bbk:Obs TIME_PERIOD="2022-05" OBS_VALUE="2.18"/>
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      <bbk:Obs TIME_PERIOD="2022-02" OBS_VALUE="2.2"/>
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      <bbk:Obs TIME_PERIOD="2021-12" OBS_VALUE="2.19"/>
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      <bbk:Obs TIME_PERIOD="2021-10" OBS_VALUE="2.24"/>
      <bbk:Obs TIME_PERIOD="2021-09" OBS_VALUE="2.27"/>
      <bbk:Obs TIME_PERIOD="2021-08" OBS_VALUE="2.29"/>
      <bbk:Obs TIME_PERIOD="2021-07" OBS_VALUE="2.31"/>
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      <bbk:Obs TIME_PERIOD="2021-05" OBS_VALUE="2.36"/>
      <bbk:Obs TIME_PERIOD="2021-04" OBS_VALUE="2.4"/>
      <bbk:Obs TIME_PERIOD="2021-03" OBS_VALUE="2.43"/>
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      <bbk:Obs TIME_PERIOD="2021-01" OBS_VALUE="2.46"/>
      <bbk:Obs TIME_PERIOD="2020-12" OBS_VALUE="2.49"/>
      <bbk:Obs TIME_PERIOD="2020-11" OBS_VALUE="2.49"/>
      <bbk:Obs TIME_PERIOD="2020-10" OBS_VALUE="2.5"/>
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      <bbk:Obs TIME_PERIOD="2018-12" OBS_VALUE="2.8"/>
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      <bbk:Obs TIME_PERIOD="2018-09" OBS_VALUE="2.85"/>
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      <bbk:Obs TIME_PERIOD="2018-07" OBS_VALUE="2.89"/>
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      <bbk:Obs TIME_PERIOD="2018-04" OBS_VALUE="2.95"/>
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      <bbk:Obs TIME_PERIOD="2018-02" OBS_VALUE="2.97"/>
      <bbk:Obs TIME_PERIOD="2018-01" OBS_VALUE="2.97"/>
      <bbk:Obs TIME_PERIOD="2017-12" OBS_VALUE="2.96"/>
      <bbk:Obs TIME_PERIOD="2017-11" OBS_VALUE="3.0"/>
      <bbk:Obs TIME_PERIOD="2017-10" OBS_VALUE="3.01"/>
      <bbk:Obs TIME_PERIOD="2017-09" OBS_VALUE="2.96"/>
      <bbk:Obs TIME_PERIOD="2017-08" OBS_VALUE="2.98"/>
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      <bbk:Obs TIME_PERIOD="2016-04" OBS_VALUE="3.16"/>
      <bbk:Obs TIME_PERIOD="2016-03" OBS_VALUE="3.21"/>
      <bbk:Obs TIME_PERIOD="2016-02" OBS_VALUE="3.21"/>
      <bbk:Obs TIME_PERIOD="2016-01" OBS_VALUE="3.22"/>
      <bbk:Obs TIME_PERIOD="2015-12" OBS_VALUE="3.25"/>
      <bbk:Obs TIME_PERIOD="2015-11" OBS_VALUE="3.25"/>
      <bbk:Obs TIME_PERIOD="2015-10" OBS_VALUE="3.24"/>
      <bbk:Obs TIME_PERIOD="2015-09" OBS_VALUE="3.25"/>
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      <bbk:Obs TIME_PERIOD="2015-07" OBS_VALUE="3.24"/>
      <bbk:Obs TIME_PERIOD="2015-06" OBS_VALUE="3.25"/>
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      <bbk:Obs TIME_PERIOD="2015-03" OBS_VALUE="3.22"/>
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      <bbk:Obs TIME_PERIOD="2015-01" OBS_VALUE="3.22"/>
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</CompactData>
