In the third quarter of 2025, the share of firms that had need for credit financing over the past 12 months increased by one percentage point to 28 %. At 54 % more than half of firms continued to report that their need for credit financing had remained the same, whilst an unchanged 18 % stated that their need for credit financing had decreased in this period.

Regulation and government rules remained one of the biggest short-term challenges from the perspective of firms: in September, 69 % of firms stated that bureaucracy was a pressing problem. High production and labour costs were considered problematic by 57 % of firms. By contrast, only 11 % of firms recently viewed access to intermediate inputs as a problem; this figure was near pre-pandemic levels again.

In the third quarter of 2025, only marginally more firms than in the second quarter of the year reported that they had conducted loan negotiations in the respective preceding quarter (Q3: 15,7 %, Q2 2025: 15.4)

Firms’ short-term inflation expectations remained stable between 2.8 % and 2.9 % over the course of the third quarter of 2025. The median remained unchanged at 2.5 %.

All counterparties have two options for submitting credit claims and debtor data: the online procedure and the file-transfer procedure. There is also a backup procedure for both types of submission.

On 30 January 2018, the German government issued a €2 commemorative collector’s coin “100th anniversary of the birth of Helmut Schmidt”.

For the processing of SEPA Instant credit transfers via the customer access mechanism-Echtzeit (CAM-Echtzeit), the following rules apply. "Procedural rules of the Deutsche Bundesbank for other account holders without a bank sort code regarding the clearing and settlement of SEPA Instant credit transfers submitted by data telecommunication (Procedural rules SEPA Instant credit transfers for account holders without a bank sort code)"

The German government has decided to mint a €5 collectors' coin with the motif “Planet Earth”, issued on 14 April 2016.