The Integrated Reporting Framework - IReF for short - is intended to simplify reporting for banks. Silvia Schütte is an expert on banking regulation at the Association of German Banks and answers the most important questions.

Say you have a large sum of money that you want to invest. Does it makes more sense to invest it all at once, or might it be better to use it to invest smaller sums regularly. Both approaches have some benefits and disadvantages, and which one you choose will depend on your financial situation and your goals.

What benefits can consumers still look forward to? We have put together some examples of changes for you.