Topics and Dossiers

Competitiveness is the foundation of European sovereignty. It underpins our ability to defend ourselves, to expand modern infrastructure, to drive the digital transformation and transition to a sustainable economy. Banks play a central role in making this possible. The regulatory framework determines how much capital banks can provide and, ultimately, whether political ambitions can be translated into economic reality. And this is why capital requirements for European banks must not increase any further. The Association of German Banks therefore advocates simplifying banking regulation in Europe and ensuring that supervision supports competitiveness.

Europe is facing growing economic, demographic and geopolitical pressure, and must strengthen its resilience and overcome its persistent weak growth. Banks and capital markets have a central role to play in this. The Association of German Banks therefore advocates an integrated, efficient and globally competitive European capital market that delivers on the promise of a genuine Savings and Investment Union (SIU).

The economic risks and costs associated with climate change are rising sharply. Against this backdrop, Europe is committed to achieving net zero emissions by 2050. Geopolitical developments are also increasing the pressure to reduce dependence on fossil fuels. The transition to a sustainable economy requires substantial investment, and banks have a central role to play in financing it. The Association therefore advocates practical and proportionate sustainable finance regulation at both European and national level that facilitates sustainable investment and effectively supports the transition to a sustainable economy.

Digitalisation is fundamentally transforming the economy and society. It is opening up new opportunities for innovation and growth. At the same time, cyber threats are increasing, posing new challenges for businesses, governments and consumers in terms of security and resilience. As a result, cyber resilience has become one of Europe’s key strategic priorities. The Association advocates embedding cybersecurity as a shared responsibility and combating fraud more effectively.