The Monthly Report November 2015 comments on the economic situation in Germany in autumn 2015.

The October 2015 Monthly Report describes German households' saving and investment behaviour in the low-interest-rate environment and outlines the development of and outlook for government spending on personnel.

Die als Konsequenz aus der Finanzkrise erfolgte Regulierungsreform verzeichnet große Fortschritte: Mit Basel III wurden die Eigenkapital- und Liquiditätsvorschriften für Banken deutlich verschärft, zudem gelten künftig neue Anforderungen an die Kapitalstruktur von global systemrelevanten Banken. Auch bei der Bankenaufsicht gab es tiefgreifende Änderungen – im November 2014 übernahm die Europäische Zentralbank die direkte Aufsicht über die 123 größten Banken des Euro-Raums.

The Monthly Report September 2015 comments on the recent development in lending to euro-area non-financial corporations and describes the performance of German credit institutions in 2014.

The Monthly Report August 2015 comments on the economic situation in Germany in summer 2015.

The information contained in the study is of interest to all market participants affected by the payment behaviour of private individuals, most notably retailers, credit institutions, card issuers and, last but not least, the Deutsche Bundesbank itself. Players wishing to foster more innovation in the field of payments need to offer a genuine advantage over established schemes and procedures and, in particular, to heed users’ perceived security needs.