Publications & Reports

Focus Papers

Shadow banks - Mitigating risk comes before sharing risk 116,61KB Financial literacy for all – the enduring, dependable role of Savings Banks 114,29KB A Digital Euro Must Add Value for People and Businesses in Europe 156,44KB 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"

DSGV President Reuter: Economic growth and a greater performance orientation are key to prosperity

SME Diagnosis 2024

German SMEs in transition

With the SME Diagnosis 2023, the German Savings Banks Association (DSGV) presents the 23rd collection of representative data on the current situation of SMEs in Germany.

German SMEs between hope and scepticism

Three out of four companies in Germany are customers of the Savings Banks Finance Group. Advising and financing small and medium-sized enterprises in Germany is the core business of the Savings Banks and Landesbanken. To this end they use their strengths; a detailed knowledge of their customers and their personal situation as well as a nationwide presence throughout Germany’s regions.

SMEs face their next big challenge

The “SME Diagnosis 2021” describes and evaluates the current economic environment, the prospects and the challenges facing small and medium-sized enterprises. The basis of the trend analysis is a survey of almost 300 SME experts in Savings Banks throughout Germany. The economic company data comes from the annual financial statements of around 300,000 commercial Savings Bank customers. This is the largest pool of anonymised annual financial statement data in Germany.

SME Diagnosis 2020: Resilience in times of crisis

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.

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.

SME-Diagnosis Winter 2018 - Current global challenges for SMEs 1,47MB SME Diagnosis 2018 - Continuing the Upswing: Ensuring the Sustainability of SMEs 1,08MB

Europe

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.

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Europe is Our Future - Thoughts of the Savings Banks Finance Group on the 2019 elections to the European Parliament 5,18MB

Savings Banks Finance Group

Español: Al Interior del Grupo Financiero de las Cajas de Ahorro (2022) 2,89MB Inside the Savings Banks Finance Group (2022) 2,93MB AL INTERIOR DEL GRUPO FINANCIERO DE LAS CAJAS DE AHORRO (2020) 1,01MB Inside the Savings Banks Finance Group (2020) 1,00MB Inside the Savings Banks Finance Group (2018) 664,68KB Español: Al Interior del Grupo Financiero de las Cajas de Ahorro (2018) 690,83KB

General Contact

Deutscher Sparkassen- und Giroverband e.V.

Charlottenstrasse 47
10117 Berlin Germany

+49 30 20 22 50

+49 30 20 22 52 50

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Financial Report

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