Business development

Interest rate environment

Yield on ten-year German Federal bonds / %

H1 2024

2023

Change inpercentage points

Average yield

2.40

2.46

–0.06

Highest yield

2.71

3.02

–0.31

Lowest yield

1.98

1.90

+0.08

Final yield as of Jun 30/Dec 31

2.49

2.03

+0.46

Source: Thomson Reuters (daily closing prices)

The development of interest rates in the first half of 2024 continued to be characterized by only slightly slowing inflation and slow economic recovery. Yields in the euro bond market rose again slightly in the first half of 2024, although they did not reach the previous year’s highs. EUR 3-month money market interest rates declined slightly over the same period and fell from their peak level of just under 4% in the previous year to just under 3.6%. The interest rate curve in the Eurozone remained inverse, albeit to a lesser extent than in 2023.

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