The German Panel on Household Finances (PHF) is a panel survey on household finance and wealth in Germany, covering the balance sheet, pension, income, work life and other demographic characteristics of private households living in Germany. The panel survey is conducted by the Research Centre of the Deutsche Bundesbank.

The SCL-Directory is used for the automated processing of SEPA payments via the Bundesbank’s RPS SEPA-Clearer. It contains all the business identifier codes (BICs) that can be reached via the SEPA-Clearer.

The Centralised Securities Database is a security-by-security reference database that contains data on instruments, issuers and prices for debt securities, equity instruments and investment fund shares issued worldwide. A security-by-security database is a microdatabase that stores statistics at an individual security level.

The German Panel on Household Finances (PHF) is a representative panel survey on household finance and wealth in Germany, covering the balance sheet, pension, income, work life and other demographic characteristics of private households living in Germany.

In 2015 the Riksbank took the initiative to hold an annual conference on macroprudential policy.

Information about the PHF panel.

Since September 2024
Member of the Executive Board of the Deutsche Bundesbank

The International Monetary Fund (IMF) approved an extremely large general allocation of special drawing rights (SDRs) to its member states. The new allocation triples the total stock of SDRs to a new level of roughly SDR 660 billion. Germany is set to receive around €30 billion worth of additional SDRs.

At a press conference today, Bundesbank President Joachim Nagel and First Deputy Governor Sabine Mauderer presented the Bundesbank’s Annual Report for 2025. The loss for the year declined further in 2025, as expected. In view of a significant improvement in profitability, the Bundesbank reported a loss for the year of €8.6 billion, Mr Nagel explained.

Das Frankfurter Konzert steht ganz im Zeichen der Vielfalt Europas. Das hr-Sinfonieorchester spielt populäre und klassische Werke. Die hr-Bigband eröffnet unter Mitwirkung von Wolfgang Haffner und Shantel das Konzert. Die EZB ist mit einem Infostand vertreten.

Die EZB hat den Newsletter „Die Funken löschen, bevor es brennt: Krisen im Kreditgeschäft gut in den Griff bekommen“ zum Targeted Review on SME credit risk veröffentlicht. Dieser gibt einen Überblick darüber, wie Banken in Europa, insbesondere in Deutschland, auf potenzielle Kreditkrisen vorbereitet sind. Im Mittelpunkt der Betrachtung standen Kreditvergaben an kleine und mittelständische Unternehmen (KMU).

Die Euro-Banknoten könnten in ein paar Jahren ganz anders aussehen als heute. Die Europäische Zentralbank und die Zentralbanken im Euroraum arbeiten aktuell an neuen Motiven für die Geldscheine. Welche das sein könnten und wie sie ausgewählt werden, darum geht es in der aktuellen Folge Finance Flash.

Am deutschen Aktienmarkt wurden im Berichtsmonat neue Aktien für 5,1 Mrd € begeben. Der Umlauf ausländischer Aktien in Deutschland stieg um 4,1 Mrd €. Erworben wurden Dividendenwerte im Juni im Ergebnis durch inländische Nichtbanken (8,6 Mrd €) und heimische Kreditinstitute (2,0 Mrd €). Ausländische Investoren trennten sich hingegen per saldo von hiesigen Dividendenwerten (1,4 Mrd €).

Germany’s current account posted a surplus of €18.6 billion in June 2025, up €11.1 billion on the previous month’s level. This was mainly attributable to the swing to a surplus in invisible current transactions, which comprise services as well as primary and secondary income. Moreover, the surplus in the goods account increased somewhat.

Ein internationales Team, eine innovative Idee und ein spannender Austausch: Anita und ihr Team diskutieren mit Partnern aus Italien und Frankreich über die Container-Lösung. Zwischen kulturellen Feinheiten, technischen Herausforderungen und strategischen Überlegungen wird klar: Der Weg zu einer Entscheidung ist komplex, aber vielversprechend. Wird der Proof of Concept Realität? Und wie gelingt es, alle Beteiligten an Bord zu holen?

Münzen können von Bargeldgeschäftspartnern seit 2015 nur noch in Normcontainern bei uns eingezahlt werden.

This section provides information on the various Eurosystem testing procedures.

The Remuneration Regulation for Institutions aims to ensure that remuneration systems are appropriate and transparent and are geared towards the institution’s sustainable development.

 (Remuneration Ordinance for Institutions - InstitutsVergV)

The monthly balance sheet statistics list domestic banks (MFIs)' assets and liabilities based on the books at the end of the month. They thus represent the most comprehensive statistical survey of the banking industry in Germany and are at the core of the banking statistics reporting system.

The certificate is signed with the SHA-256 algorithm by the Bundesbank Root CA 2015 II and is valid for six years.

Mit der wissenschaftlichen Studie zur wirtschaftlichen Lage privater Haushalte in Deutschland will das Forschungszentrum der Deutschen Bundesbank ein Bild der Situation privater Haushalte in Deutschland gewinnen.

Fragen und Antworten zur Studie zur wirtschaftlichen Lage privater Haushalte

The SHS-Base plus is the extended core module of the Deutsche Bundesbank's Securities Holdings Statistics. Starting in December 2005 the Securities Holdings Statistics (formerly known as the Securities Deposits Statistics) include micro data on securities holdings.

The banks' loans (without securities) to domestic enterprises and households reported in the monthly balance sheet statistics (BISTA) are further broken down by sector in the quarterly borrowers statistics. These statistics provide an insight into the structure of and developments in the lending business with the most important groups of private borrowers. The data have been collected and published on the basis of the Federal Statistical Office's industrial classification system. Data dating back to 1999 are available for research purposes.

The Research Data and Service Centre regularly matches Bundesbank company data to enable researchers to use linked microdata on companies (subject to approval of the respective research project).

As of 1 January 2015, Deutsche Bundesbank branches will accept lodgements of coins from retail customers free of charge only if they comply with the standards laid down in the guidelines for the packaging of coin rolls and if whole numbers of standard containers are submitted per denomination.

Since September, the Bundesbank provides a new research dataset “Analytical Credit Datasets (AnaCredit) – German Part”. 

The German part of AnaCredit includes data on individual loans reported by credit institutions based in Germany, as well as by foreign branches of German institutions and legally independent institutional units domiciled in Germany, regardless of the location of their parent entities.

Here you will find the various data sources from which the Bundesbank compiles the balance of payments.