Executive Summary

Titled "Serving all European citizens" and geared towards economic and social sustainability, this fully updated handbook explains ESBG positions on more than 30 policy areas affecting Europe’s 885 savings and retail banks in 20 countries.

With topics ranging from prudential to digital themes, and from sustainable finance to financial education issues, the handbook covers a wide spectrum of subjects that affect financial services in Europe.

Along with detailed positions and background to feed into the latest legislative policy debate, it presents facts and figures that demonstrate the impact of a sustainable savings and retail banking model to some 164 million Europeans. The updated handbook also showcases how ESBG members swiftly responded to the urgent need for support of households and SMEs following the Covid-19 outbreak.

We believe these proposals will help shape a sustainable European financial services structure and we invite you to explore them in more detail in the following pages.