The following publications can be ordered from the Association of German Banks (free of charge unless otherwise specified).
Maximum order: five copies of each title. If you need more copies, please call us on +4930 1663 1201/-1202 (or fax +4930 1663 1298).
Information for consumers
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“Young people want to know how the economy works”
- Presentation of the 2009 Youth Survey: Economic Literacy and Financial Culture
"Young people want to know how the economy works," said Manfred Weber, Chief Executive of the Association of German Banks, when presenting the 2009 Youth Survey - Economic Literacy and Financial Culture. The Association's survey showed that three-quarters of the teenagers and young adults interviewed were interested in economic matters and around 80 % would like to see economics taught at school as a subject in its own right. "This is a remarkable result. It shows us that young people see an economic education as a basic skill they need for their future," Mr Weber told journalists. more ...
PDF file for download:
Youth Survey 2009 [PDF - 91 KB]
Economics for the classroom [PDF]
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Economics for the classroom
17 pages
January 2010
Getting young people interested in economics and making the subject more accessible to them - that is the target the Association of German Banks has set itself. Over 20 years ago it set up a special unit called Schul|Bank to accomplish this task and develop projects for use in the classroom.
This booklet contains an overview of all Schul|Bank activities, information on our competitions for pupils and a brief description of publications on choosing a career, economics and financial literacy.
PDF file for download:
Booklet [PDF - 3,93 MB]
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Banks and Consumers 70 pages
January 2007
The Association of German Banks has published an English-language version of the private commercial banks' comprehensive consumer policy scheme, presenting a blueprint for a forward-looking consumer policy at both national and European level.
The private commercial banks' comprehensive consumer policy scheme is based on personal responsibility and partnership. It does not stop at informing and educating consumers. Wherever misunderstandings between customers and banks arise, these should be cleared up as soon as possible. The private commercial banks' five ombudsmen are available to settle disputes quickly and unbureacratically without any charge to the customers. The Ombudsman Scheme, which has been part of the out-of-court customer complaints network for financial services (FIN-NET) ever since it was launched by the European Commission in 2001, has enjoyed widespread acceptance among both customer and banks for over 14 years.
PDF file for download:
Booklet [PDF - 1,10 MB]
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Credit Scoring
11 pages
November 2006
It is impossible to imagine life in today's economy without loans. Major purchases in particular, such as cars or homes, can often only be financed by a bank loan. In both their customers' and their own interests, banks have to be in a position to process loan applications swiftly and cost-effectively and make sound, objective decisions. Credit scoring is an important tool in this respect.
This booklet answers the most frequently asked questions about credit scoring.
PDF file for download:
Booklet [PDF - 78 KB]
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Ombudsman's Report 2008 (Summary)
9 pages
September 2009
PDF file for download:
Booklet [PDF - 223 KB]
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Ombudsman's Report 2001/2002 (Summary)
6 pages
May 2003
PDF file for download:
Booklet [PDF - 304 KB]
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The Deposit Protection Fund of the German Private Commercial Banks
13 pages
July 2009
A brief guide and list of member banks
PDF file for download:
Booklet [PDF - 452 KB]
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By-laws of the Deposit Protection Fund of the Association of German Banks
Statut
8 pages
June 2010
PDF file for download:
Booklet [PDF - 494 KB]
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The German Private Commercial Banks - Compensation Scheme for Depositors and Investors
20 pages
July 2009
A brief guide and list of member banks
PDF file for download:
Booklet [PDF - 446 KB]
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Figures, facts, arguments
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SEPA: uniform payment instruments for Europe
46 pages
October 2009
3rd, revised edition
The integration of the euro payments market is crucial to the completion of the European internal market. The banking industry has supported this target from the start and laid the required foundations through selfregulation.
The Single Euro Payments Area (SEPA) gives all stakeholders the chance to make both domestic and cross-border payments in euros in the same way. This benefits particularly customers and banks conducting a large number of cross-border transactions.
The booklet describes various aspects of introducing the euro payments market and the implementation of the SEPA in the conventional payments market and for card payments.
PDF file for download:
Booklet [PDF - 1,25 MB]
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European Securities Markets - Consolidation of the Legal Framework (Summary)
4 pages
January 2006
The booklet analyses experience to date with the fast-track legislative process and the directives adopted under it.
PDF file for download:
Booklet [PDF - 112 KB]
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Towards More Growth with the Lisbon Strategy (Summary)
4 pages
June 2005
PDF file for download:
Booklet [PDF - 152 KB]
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defacto:
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More stability by reducing economic imbalances
Economic imbalances are one of the major causes of the global financial and economic crisis. Primarily at issue are the large current account balances. It is not that these are a problem per se. And the severity of the crisis has caused them to contract somewhat. If the economy continues to recover, however, it is highly probable that they will increase again.
PDF file for download:
Booklet [PDF - 204 KB]
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A stability and resolution fund for a robust financial market
The political debate about the lessons to be learned from the financial crisis has a central theme: who should assume the financial burden of systemic risk facing not only banks, but also the state and taxpayers? There is now a general consensus on the need to look forward. A special levy on the financial sector to pay for the current crisis would be unacceptable for several reasons.
PDF file for download:
Booklet [PDF - 170 KB]
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Reorganising institutions in the financial sector
The global financial crisis, particularly the failure of Lehman Brothers in the US and the rescue measures taken in Germany, have shown that the tools currently available for reorganising institutions in the financial sector are inadequate. That goes particularly for institutions which get into trouble and pose a threat to the stability of the financial system due to their degree of interconnectedness in the marketplace. In addition, action at national level is often not enough on its own to prevent harm to a financial system that is highly interconnected internationally. Cross-border crisis management is therefore the order of the day.
PDF file for download:
Booklet [PDF - 270 KB]
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A financial transactions tax and its impact
Should financial transactions be taxed in future? This question is currently being discussed by political leaders not only in Germany. A financial transactions tax (FTT) can only work if it is imposed internationally and not solely in Germany - this is the best-known argument against such a tax, but not the only one. As so often happens, the devil is in the details.
PDF file for download:
Booklet [PDF - 116 KB]
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Banking Surveys
Every two years the Association of German Banks publishes its survey of banking in Germany. It addresses banking-related issues of current interest and looks ahead to future trends that will affect the banking industry.
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Banking Survey 2008
Facts- Opinions - Outlook
I. Global financial markets - setting the right course
II. Economic policy - paths to competitiveness and growth
III. A sustainable framework for the banking industry
Download Banking Suryey [PDF - 2,09 MB]
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Banking Survey 2006 - Summary
facts - opinions - outlook
I. Successfully shaping change in Germany
II. The German banking market
Download Summary [PDF - 1,10 MB]
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Banking Survey 2004 - Summary
facts - opinions - outlook
I. Prospects for the banking industry in Germany
II. Towards a banking system for the future
Download Summary [PDF - 535 KB]
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Banking Survey 2002 - Summary
facts - opinions - outlook
I. Need for economic reform
II. New structures in the banking industry
III. Banks in global competition
Download Summary [PDF - 954 KB]
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Banking Survey 2000 - Summary
facts - opinions - outlook
I. Towards the information society
II. Banks in the context of global competition
Download Summary [PDF - 115 KB]
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About the association
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Articles
20 pages
July 2008
Articles of association of the Association of German Banks
PDF file for download:
Booklet [PDF - 478 KB]
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Banking in Germany and
the Association of German Banks
15 pages
December 2005
A brief guide to the banking system in Germany and the Association of German Banks
PDF file for download:
Booklet [PDF - 109 KB]
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Miscellaneous
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Liberalisation of Banking Services in the WTO
14 pages
January 2001
The brochure gives an overview of the WTO and discusses the content of a new comprehensive round of negotiations after the failure of the Seattle ministerial conference, which would go beyond the already agreed negotiations in the agricultural and services sectors. The clearly predominating economic benefits from liberalisation are emphasised. An analysis of the GATS framework for services and the first Financial Services Agreement of 1997 is followed by a plea for a further opening of the banking sectors of the WTO member countries in the upcoming negotiations in the field of services ("GATS negotiations"). The need for liberalisation for industrialised countries is seen mainly in the field of cross-border distance selling (e-banking), for emerging countries in their law governing the right of establishment for foreign banks and for all participants in the reduction of restrictions on prudential grounds by increasing mutual recognition of the quality of domestic banking supervision.
PDF file for download:
Booklet [PDF - 38 KB]
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