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)

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.

Welche Voraussetzungen muss ich erfüllen? Wie bewerbe ich mich und wie ist das Auswahlverfahren strukturiert? Hier finden Sie die Antworten auf Ihre Fragen.

Federal bonds (Bunds), five-year Federal notes (Bobls) and Federal Treasury notes (Schätze) are listed on all German stock exchanges.

To ensure the stable and reliable operation of its payment processing and account management applications, the Bundesbank carries out a wide range of test activities with its customers.

Welche Voraussetzungen muss ich für den mittleren Bankdienst erfüllen? Wie bewerbe ich mich und wie ist das Auswahlverfahren strukturiert?

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)"