Overview
- Governor François Villeroy de Galhau will submit a recalculated rate after INSEE publishes December inflation, with Economy Minister Roland Lescure to approve or reject it.
- The Livret A, now at 1.7%, is widely reported to be headed toward about 1.4% from 1 February, pending the official decision.
- The governor indicated a marked advantage will be maintained for the LEP, which has yielded 2.7% since 1 August 2025.
- Slowing price growth is set to pull regulated passbook returns lower because the statutory formula tracks recent inflation.
- Falling yields are pushing some savers toward life‑insurance products offering roughly 2.6% to 2.7%, as authorities call for better directing high household savings into equity and innovation financing.