Banking Topics

Banking from your PC - convenient and secure
Online banking is popular: there were 35.3 million online accounts in Germany at the end of 2006. In 2000 there were only 15.1 million online accounts in total. Banks have put extensive security measures in place to protect confidential data when it is sent over the internet. But online customers have to play their part, too, to make their computer secure. Here are a few tips. more ...

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Banking Survey 2006
The survey focuses on the need for political reform and on the structural changes in the banking industry.
Banking Survey 2008 [PDF - 2,09 MB]
Summary Banking Survey 2006 [PDF - 1,10 MB]
Summary Banking Survey 2004 [PDF - 535 KB]
Summary Banking Survey 2002 [PDF - 954 KB]
Summary Banking Survey 2000 [PDF - 115KB]

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The Ombudsman scheme
To settle disputes between banks and their customers as quickly and smoothly as possible, Germany's private commercial banks introduced an out-of-court conciliation procedure as early as 1992: the Ombudsman Scheme.
Rules of Procedure
A fair deal for customers

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Banking markets in central and eastern Europe
Against the background of EU enlargement, the journal DIE BANK is publishing a series examining all the major banking markets in central and eastern Europe.
Ukraine - high hopes coupled with risks
Romania - on a consolidation course
Baltic countries - moving in the economic fast lane
Poland - the heavyweight
Russia - systemic risks not yet eliminated
Slovakia - from truant to star pupil?
Czech Republic - the late starter
Slovenia - ready for competition?
Bulgaria - emerging stronger from a crisis
Hungary – momentum from retail business

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State Guarantees in Germany
The German banking market: I. Structural change
Article in the Journal Die Bank

Mario Monti, EU Commissioner for Competition, and Caio Koch-Weser, State Secretary in the German Ministry of Finance, reached an understanding on 1 March 2002 in Brussels on the orientation of legally independent special credit institutions in Germany.
Complete Document [PDF 121 KB]

Germany agrees on the implementation of the understanding with the Commission on State guarantees for Landesbanken and Savings Banks
EU-Commission press release

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Banking Supervision

	Potential Pro-Cyclicality of the Basel-2 Framework: Analysis and Possible Solutions [PDF - 107 KB] Berlin, June 2003
	The integration of national financial markets and the blurring of the dividing lines between the banking, insurance and securities sectors is proceeding at a rapid pace. The Eichel-Brown initiative presented proposals for the creation of a forward-looking institutional framework for the regulation, supervision and stability of the European financial market. Decisions on these proposals are to be taken at the end of this year. [PDF - 365 KB] Berlin, August 2002
	Comments of the Zentraler Kreditausschuss (ZKA) on the Basel Committee on Banking Supervision's second consultative document on a revision of the 1988 Basel Capital Accord [PDF - 512 KB] Berlin, 28 May 2001
	Comments on Annex 2 C of the Basle Committee on Banking Supervision's Consultative Paper on a New Capital Adequacy Framework [PDF -35KB] Berlin, 15 November 1999
	Proposals for Reform of the Credit Risk Capital Regime, Discussion Paper [PDF - 55 KB] Cologne, February 1999
	Proposals for the prudential treatment of credit derivatives, Discussion Paper [PDF - 59 KB] Cologne, April 1998