In the corona crisis, SMEs benefit from the financial durability they have built up over the past ten years. Their innovative spirit is already recovering, as the SME Diagnosis 2020 shows.
Publications & Reports
Facilitating fair use of the data of consumers and business enterprises 60,99KB Focus Paper - Electric vehicle charging must be as simple as filling up at a gas station 60,83KB European payment transactions: Innovation needs investments and scope for development 68,99KB The Savings Banks’ business model is an expression of social sustainability 82,65KB Credit financing during the COVID-19 crisis demonstrates the efficiency of locally active banks 390,24KB Inducements provide important benefits and advisory services for clients 73,89KB Ensuring a level playing field to support European solutions - do not reduce interchange fees 66,95KB New rules do not help clients - Study confirms dissatisfaction with MiFID II and PRIIPs Regulation. 77,97KB Europe is Our Future - Thoughts of the Savings Banks Finance Group on the 2019 elections to the European Parliament 5,18MB Focus Paper - Problem loans in Europe: Sustainable risk mitigation will take years 56,89KB Focus Paper - Effective protection of deposits in Europe Centralisation is the wrong approach 1,48MB Focus Paper - Is Germany “overbanked”? Banking diversity must be preserved 75,20KB
The German "Mittelstand"
SME Diagnosis 2020: Resilience in times of crisis
S-Mittelstand Fitness Index 2020: The Future of the German Mittelstand
The Future of the German Mittelstand survey is based on an analysis of performance indicators for corporate clients and corporate lending by the savings banks, as well as on the DSGV sector forecasts.
SME Diagnosis 2019: Expansion of the digital infrastructure is key to success for SMEs
Small and medium size enterprises in Germany have successfully made use of the recent strong years. The challenge will now be to structurally maintain this strength, since under the conditions of the digital economy, much of what has been taken for granted in the past will be called into question in the future.
The state of the Banking Union
Aspects of the Banking Union are changing and endangering crisis-hardened and stabilising structures as the Savings Banks. A glossary is meant to support the opinion-forming process, put each initiative into context and describe their practical effects.
Franco-German Initiative welcomes EU Capital Markets Recovery Package
Five French and German associations from the financial sector have jointly commented on the EU Capital Markets Recovery Package. The five associations are very supportive of the approach taken by the European Commission (EC).
Germany EU Council Presidency in 2020
Diversity is strength. As of July 2020, Germany will assume an important leadership role in the European Union by taking over the Council Presidency for six months. Subsequently, Germany will be part of the Trio Presidency together with Portugal and Slovenia for another twelve months in 2021. This will be a great opportunity to shape Europe.
Savings Banks Finance Group
Stress resistant due to solid capital ratios
Savings Banks are economic stabilisers in times of crisis. They had already demonstrated this impressively in the past financial crisis. The coronavirus pandemic is once again a significant challenge for the entire economy – and consequently also for the German banking sector.