Overview
- Caisse des dépôts data show a net withdrawal of €5.10 billion in October, the largest October outflow recorded for the regulated accounts.
- Breakdown: €3.81 billion left the Livret A and €1.29 billion left the LDDS, with combined balances at €601.7 billion at end‑October.
- Regulated rates fell from 3% in January to 2.4% on February 1 and to 1.7% on August 1, reducing the attraction of these deposits.
- Households are reallocating to assurance‑vie and PER; September assurance‑vie contributions reached €14.9 billion, with funds‑euros returns expected around 2.6% for 2025.
- The overall household saving rate remains high at 18.7% in Q2 2025, and analysts caution the Livret A rate could be cut again in February 2026 to about 1.4–1.5%.