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)

In the third quarter of 2025, 33 % of firms expected that their short-term liquidity would decrease over the next 12 months (Q2: 32 %), an unchanged 48 % expected that it would stay roughly the same, and a likewise unchanged 19 % of firms expected that their short-term liquidity would increase during this period.

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.

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.

The branches of the Bundesbank supply the economy with euro banknotes and coins, and offers private customers the opportunity to exchange D-Mark banknotes and coins free-of-charge and with no fixed deadline.

In her animated films, the Bundesbank explains important topics easy to understand.

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)"