In 2025, our customers accumulated additional assets totalling 47.8 billion euros – just under 16 per cent more than in the previous year.
Last year, significantly more loans were granted to businesses and the self-employed. At just under 95 billion euros, this represented an increase of more than 13 per cent.
In 2025, the Savings Banks Finance Group supported regional projects with more than 500 million euros, thereby remaining the largest non-governmental sponsor of sport and culture in Germany.
We make targeted investments in the next generation: more than 15,000 apprentices and trainees are currently working within the Savings Banks Finance Group.
Foreword by the President
2025 once again presented Germany and Europe with major challenges. Economic uncertainty, geopolitical tensions and the pressure to become more competitive continue to shape our environment today. At the same time, the need for transformation in our country is growing: this ranges from digital and critical infrastructure, to road and rail transport, housing construction and the energy transition.
Reliable and stable financial partners play a crucial role in this transformation. In 2025, the institutions of the Savings Banks Finance Group proved that, even in times of great uncertainty, they are an anchor of stability for the economy and society. They also continue to be a driving force for investment and innovation. Savings Banks thereby provide crucial impetus for the future.
A look at our financial results for 2025 shows that significantly more loans were granted to businesses and the self-employed last year. At just under 95 billion euros, this represents an increase of more than 13 percent. Whilst our business customers increased their investments, our retail customers channelled their capital more than ever before into productive investments via securities savings schemes.
The founding principle of the Savings Banks is to support as many people as possible in building their wealth over the long term. We continued to fulfill this commitment in 2025, with our customers accumulating an additional 47.8 billion euros in assets – just under 16 percent more than in the previous year. The lion’s share of this came from retail customers.
Firmly rooted in the regions, the Savings Banks’ economic success directly benefits their communities. In 2025, the Savings Banks Finance Group supported regional projects with more than 500 million euros. This means the Savings Banks Finance Group remains the largest non-governmental sponsor of sport and culture in Germany.
Through our social commitment, we support education, culture, sport, social projects and numerous initiatives that strengthen social cohesion in our society. This commitment is an expression of our public mandate and our self-image as partners to local communities.
Furthermore, through the taxes we pay, we make an important contribution to financing public services and ensuring the long-term viability of the regions. This amounted to around 4.5 billion euros in 2025.
However, demographic change remains one of the greatest challenges. Supporting young people is therefore a particular priority for us and is a key focus in this year’s financial report.
Young people today are growing up in a world full of dynamism and opportunities. When it comes to financial decisions in particular, they need guidance, trust and secure prospects. The Savings Banks are reliable partners for young customers: offering personalised advice, digital services and guidance during key stages of life.
Professor Ulrich Reuter, President of the German Savings Banks Association
At the same time, we are an attractive employer for young talent: more than 15,000 apprentices and trainees are currently working within the Savings Banks Finance Group. That is almost ten percent more than in the previous year. It clearly shows that the Savings Banks are making targeted investments in young talent and career development, thereby strengthening our country’s future prospects.
Published: 12 August 2026