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Deutsche Bundesbank — speeches Source document ↗

Germany Deutsche Bundesbank — speeches Prudential & Capital ✓ 19 claims 27 Oct 2026

German banks tighten credit standards for corporate loans again in Q3

Germany's central bank publishes quarterly survey results from 33 domestic banks on lending conditions. This round covers the third quarter of 2026 and banks' plans for the fourth, plus ad hoc questions on funding conditions, non-performing loans and digital assets.

The net share of banks tightening standards for loans to enterprises stood at +6%, down from +10% in the previous quarter.
Standards for loans to households for house purchase eased, with a net share of -4%, compared with +7% in the prior quarter.
Demand for enterprise loans fell for the first time in more than two years, driven mainly by small and medium-sized enterprises and long-term loans.
The loan rejection rate continued to rise across all three loan categories surveyed.
Banks reported no impact from digital assets on their financial situation, business strategy or credit standards over the past 12 months.

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Deutsche Bundesbank — speeches Source document ↗

European Union Deutsche Bundesbank — speeches Prudential & Capital ✓ 21 claims 20 Oct 2026

Bundesbank's Theurer calls on EU to stop capital counting toward buffers and MREL at once

Michael Theurer, writing for the Deutsche Bundesbank in a guest contribution to The Banker, argues that EU bank capital rules let the same capital count twice, toward macroprudential buffers and toward MREL, so releasing a buffer in a crisis frees little real headroom. The piece calls for legislative change to separate the two functions and backs implementing the Basel output floor as planned. Worth your time if you track capital stack design or resolution planning.

Theurer argues capital held for macroprudential buffers should not also count toward MREL, so that releasing a buffer creates genuine usable headroom in a crisis.
He acknowledges removing this double-counting would require changes to EU legislation and could affect banks' capital needs, possibly requiring a recalibration of the broader set of requirements.
He states the reform's objective is not to increase overall capital requirements but to organise the framework more coherently so buffers are usable when needed.
He calls on the EU to implement the Basel output floor as planned, saying it reduces the extent to which parallel unweighted requirements become binding when buffers are released.
The contribution says the limited usability of buffers is material for European banks, citing reports by the ECB and the European Systemic Risk Board.

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German banks tighten credit standards for corporate loans again in Q3

Bundesbank's Theurer calls on EU to stop capital counting toward buffers and MREL at once

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