The following publications can be ordered from the Association of German Banks (free of charge unless otherwise specified).
Maximum order: five copies of each title. If you need more copies, please call us on +4930 1663 1201/-1202 (or fax +4930 1663 1298).
Information for consumers
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Online Banking Security
22 pages
November 2007
Information for online banking users
The banks have a number of measures in place that offer effective protection against attacks when information is sent over the internet or processed by the bank's server. To ensure that the banks' security measures cannot be undermined by manipulation, it is essential that customers, too, take steps to protect the system they use. Just by following the ten rules outlined below, customers can significantly improve the security of their PC and reduce the risks of using the internet to an absolute minimum.
PDF file for download:
Booklet [PDF - 1,14 MB]
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Economics for the classroom
32 pages
September 2007
Getting young people interested in economics and making the subject more accessible to them - that is the target the Association of German Banks has set itself. Over 20 years ago it set up a special unit called Schul|Bank to accomplish this task and develop projects for use in the classroom.
This booklet contains an overview of all Schul|Bank activities, information on our competitions for pupils and a brief description of publications on choosing a career, economics and financial literacy.
PDF file for download:
Booklet [PDF - 2,65 MB]
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Banks and Consumers 70 pages
January 2007
The Association of German Banks has published an English-language version of the private commercial banks' comprehensive consumer policy scheme, presenting a blueprint for a forward-looking consumer policy at both national and European level.
The private commercial banks' comprehensive consumer policy scheme is based on personal responsibility and partnership. It does not stop at informing and educating consumers. Wherever misunderstandings between customers and banks arise, these should be cleared up as soon as possible. The private commercial banks' five ombudsmen are available to settle disputes quickly and unbureacratically without any charge to the customers. The Ombudsman Scheme, which has been part of the out-of-court customer complaints network for financial services (FIN-NET) ever since it was launched by the European Commission in 2001, has enjoyed widespread acceptance among both customer and banks for over 14 years.
PDF file for download:
Booklet [PDF - 1,10 MB]
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Credit Scoring
11 pages
November 2006
It is impossible to imagine life in today's economy without loans. Major purchases in particular, such as cars or homes, can often only be financed by a bank loan. In both their customers' and their own interests, banks have to be in a position to process loan applications swiftly and cost-effectively and make sound, objective decisions. Credit scoring is an important tool in this respect.
This booklet answers the most frequently asked questions about credit scoring.
PDF file for download:
Booklet [PDF - 78 KB]
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Security tips for using your bank card and PIN
4 pages
November 2005
Security tips for using your bank cards and PINs at ATMs and point-of-sale terminals.
PDF file for download:
Booklet [PDF - 38 KB]
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Security on the internet
5 pages
November 2005
Important information about fraudulent e-mails, phishing and spyware.
PDF file for download:
Booklet [PDF - 310 KB]
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The Ombudsman Scheme of the Private Commercial Banks
11 pages
January 2006
Rules of procedure for the settlement of customer complaints in the German private commercial banking sector
PDF file for download:
Booklet [PDF - 68 KB]
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The Ombudsman Scheme of the Private Commercial Banks
6 pages
January 2006
A fair deal for customers - a brief guide to the ombudsman scheme
PDF file for download:
Booklet [PDF - 445 KB]
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Ombudsman's Report 2001/2002 (Summary)
6 pages
May 2003
PDF file for download:
Booklet [PDF - 304 KB]
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The Deposit Protection Fund of the German Private Commercial Banks
12 pages
March 2008
A brief guide and list of member banks
PDF file for download:
Booklet [PDF - 338 KB]
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By-laws of the Deposit Protection Fund of the Association of German Banks
Statut
8 pages
March 2007
PDF file for download:
Booklet [PDF - 141 KB]
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The German Private Commercial Banks - Compensation Scheme for Depositors and Investors
20 pages
March 2008
A brief guide and list of member banks
PDF file for download:
Booklet [PDF - 228 KB]
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Figures, facts, arguments
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SEPA 2008: uniform payment instruments for Europe
48 pages
July 2007
The integration of the euro payments market is crucial to the completion of the European internal market. The banking industry has supported this target from the start and laid the required foundations through selfregulation.
The Single Euro Payments Area (SEPA) gives all stakeholders the chance to make both domestic and cross-border payments in euros in the same way. This benefits particularly customers and banks conducting a large number of cross-border transactions.
The booklet describes various aspects of introducing the euro payments market and the implementation of the SEPA in the conventional payments market and for card payments.
PDF file for download:
Booklet [PDF - 573 KB]
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European Securities Markets - Consolidation of the Legal Framework (Summary)
4 pages
January 2006
The booklet analyses experience to date with the fast-track legislative process and the directives adopted under it.
PDF file for download:
Booklet [PDF - 112 KB]
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Towards More Growth with the Lisbon Strategy (Summary)
4 pages
June 2005
PDF file for download:
Booklet [PDF - 152 KB]
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Focus on the financial markets
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Continuing the integration of European financial services markets
30 pages
February 2007
Legislative work on the Financial Services Action Plan of the European Union (EU) is now complete, but there can still be no question of a true single market for financial services. Further action is required to create an internal market for retail customers, optimise European supervisory structures and eliminate obstacles to mergers and acquisitions in the financial sector.
Further analysis on continuing the integration of European financial services markets can be found in the Association of German Banks booklet of the same name.
PDF file for download:
Booklet [PDF - 167 KB]
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Improving Market Access for German Banks Worldwide
22 pages
December 2005
The Association’s booklet shows how WTO negotiations and regulatory dialogues of the EU and the German government can help to eliminate discrimination and inefficiency in the world’s financial markets.
PDF file for download:
Booklet [PDF - 195 KB]
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Continuing the Integration of European Markets for Financial Services
24 pages
March 2004
PDF file for download:
Booklet [PDF - 261 KB]
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Banking surveys
Every two years the Association of German Banks publishes its survey of banking in Germany. It addresses banking-related issues of current interest and looks ahead to future trends that will affect the banking industry.
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Banking survey 2006 - Summary
facts - opinions - outlook
I. Successfully shaping change in Germany
II. The German banking market
Download Summary [PDF - 1,10 MB]
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Banking survey 2004 - Summary
facts - opinions - outlook
I. Prospects for the banking industry in Germany
II. Towards a banking system for the future
Download Summary [PDF - 535 KB]
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Banking survey 2002 - Summary
facts - opinions - outlook
I. Need for economic reform
II. New structures in the banking industry
III. Banks in global competition
Download Summary [PDF - 954 KB]
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Banking survey 2000 - Summary
facts - opinions - outlook
I. Towards the information society
II. Banks in the context of global competition
Download Summary [PDF - 115 KB]
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About the association
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Articles
19 pages
January 2007
Articles of association of the Association of German Banks
PDF file for download:
Booklet [PDF - 513 KB]
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Banking in Germany and
the Association of German Banks
15 pages
December 2005
A brief guide to the banking system in Germany and the Association of German Banks
PDF file for download:
Booklet [PDF - 109 KB]
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Miscellaneous
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Liberalisation of Banking Services in the WTO
14 pages
January 2001
The brochure gives an overview of the WTO and discusses the content of a new comprehensive round of negotiations after the failure of the Seattle ministerial conference, which would go beyond the already agreed negotiations in the agricultural and services sectors. The clearly predominating economic benefits from liberalisation are emphasised. An analysis of the GATS framework for services and the first Financial Services Agreement of 1997 is followed by a plea for a further opening of the banking sectors of the WTO member countries in the upcoming negotiations in the field of services ("GATS negotiations"). The need for liberalisation for industrialised countries is seen mainly in the field of cross-border distance selling (e-banking), for emerging countries in their law governing the right of establishment for foreign banks and for all participants in the reduction of restrictions on prudential grounds by increasing mutual recognition of the quality of domestic banking supervision.
PDF file for download:
Booklet [PDF - 38 KB]
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