The savings banks sector has developed negatively over the last five years. Since 2019, their turnover, which is made up of interest and commission income, has fallen by an average of 1% per year. The reason for the decline was the phase of low interest rates, which made it difficult for savings banks to generate increasing income in their traditional business. The most recent upturn is due to the European Central Bank's increase in the base rate to combat high inflation in Europe. At the same time, however, the tense global situation, demographic change and continued high inflation are having a negative impact on the industry. Turnover of €40.8 billion is expected for 2024, which corresponds to an increase of 0.8% compared to the previous year.The digitalisation of society is also fundamentally changing the sector. Branches are being closed and staff cut. The number of branches has fallen from over 12,000 in 2013 to around 7,300 in the current year. Companies are increasingly focussing on conducting their business online and using modern technologies. However, the investments associated with the integration of apps and online banking into business processes, as well as the high personnel costs in relation to turnover, have led to a reduction in profit margins in the low-interest phase. The pandemic-related increase in write-downs on non-performing loans and intensified price competition are also likely to have contributed to this. The sector is characterised above all by its strong focus on small and medium-sized enterprises. Savings banks account for a high percentage of loan financing for these companies, but banks from outside the sector, fintechs and other competitors are also pushing into this market. For the next five years, IBISWorld expects sales to increase slightly. The industry's turnover is expected to grow by an average of 0.5% per year during this period, meaning that it is likely to amount to 41.8 billion euros in 2029. How the industry reacts to change will be shown by how the savings banks and Landesbanken deal with new technologies and their use. At the same time, it can be assumed that increasing regulation and the tightening of rules will weaken the positive effects of the key interest rate hike. The number of institutions and branches is likely to continue to decline, as is the number of employees. However, this should have a positive impact on the profitability of the sector.

Most Spaniards managed to save an amount of under *********** euros with their monthly salaries in 2018, according to the latest data. The share of respondents that did not have any monthly savings stood nearly at ** percent, while ** percent stated they could save an amount between *** and ************ euros. In contrast, only about *** percent of the surveyed population stated they succeeded to save over ************ euros on a monthly basis.

Low salaries are Spain’s main problem when putting money aside

The share of Spaniards that did not manage to save up each month fluctuated in the recent years, with its highest point registered in 2014 at ** percent of the surveyed population. Spaniards confirmed that the main reason why it was hard for them to save some money at the end of the month was the fact that their salaries were too low to achieve so. Some ** percent of the respondents stated they did not manage to save enough money due to unexpected expenses, although almost ** percent also pointed at their whims as the main reason for not putting some money aside.

Money for a rainy day and retirement: Spain’s major reasons to save up

Most Spaniards decided to deposit their savings into their bank accounts over other methods to keep their money, with a share of ** percent of respondents. According to the study, only approximately ** percent of the population preferred to keep their money in cash and merely *** percent invested their savings in other industries, such as art or jewelry. With a share of roughly ** percent of respondents, saving money for a rainy day topped the list of leading factors that motivated Spaniards to put money aside. Half of the Spaniards stated to have been saving for their travel expenses, while some ** percent also confirmed they intended to save for retirement. In contrast, only ** percent of Spaniards were saving so they could afford a smartphone.

The national water saving of a country as a result of trade in a certain commodity is calculated as the net import volume of this commodity times the water footprint of the commodity per commodity unit in the country considered. A negative sign means a net national water loss instead of a saving. Here, green water savings through the trade of industrial and agricultural products are considered. Annual estimations are given for the period 1996-2005, in million cubic meter per year. In the table, data are also disaggregated per commodities: crop products, animal products, and industrial products.Methodology and results can be found here: http://temp.waterfootprint.org/Reports/Report50-NationalWaterFootprints-Vol1.pdf For more information, visit the Water Footprint Network: http://temp.waterfootprint.org/?page=files/WaterStat

The national water saving of a country as a result of trade in a certain commodity is calculated as the net import volume of this commodity times the water footprint of the commodity per commodity unit in the country considered. A negative sign means a net national water loss instead of a saving. Here, grey water savings through the trade of industrial and agricultural products are considered. Annual estimations are given for the period 1996-2005, in million cubic meter per year. In the table, data are also disaggregated per commodities: crop products, animal products, and industrial products.Methodology and results can be found here: http://temp.waterfootprint.org/Reports/Report50-NationalWaterFootprints-Vol1.pdf For more information, visit the Water Footprint Network: http://temp.waterfootprint.org/?page=files/WaterStat

The net saving of households and non-profit institutions serving households (NPISHs) in Germany increased by *** percent of household and NPISH net disposable income (**** percent) in 2023 in comparison to the previous year. In total, the net saving amounted to ***** percent of household and NPISH net disposable income in 2023. This increase was preceded by a declining net saving in this industry.Find more statistics on other topics about Germany with key insights such as mutual funds as a percentage of total household financial assets, household shares and other equity, except mutual funds shares and as a percentage of total household financial assets.

Indonesia Bank Industries: Current Account Saving Account (CASA) to Third Party Funds data was reported at 63.386 % in Dec 2024. This records an increase from the previous number of 63.212 % for Nov 2024. Indonesia Bank Industries: Current Account Saving Account (CASA) to Third Party Funds data is updated monthly, averaging 55.622 % from Jan 2014 (Median) to Dec 2024, with 132 observations. The data reached an all-time high of 63.386 % in Dec 2024 and a record low of 51.066 % in Feb 2015. Indonesia Bank Industries: Current Account Saving Account (CASA) to Third Party Funds data remains active status in CEIC and is reported by Bank Indonesia. The data is categorized under Indonesia Premium Database’s Monetary – Table ID.KAI001: Financial System Statistics: Summary.

Explore the Saudi Arabia World Development Indicators dataset , including key indicators such as Access to clean fuels, Adjusted net enrollment rate, CO2 emissions, and more. Find valuable insights and trends for Saudi Arabia, Bahrain, Kuwait, Oman, Qatar, China, and India.

Indicator, Access to clean fuels and technologies for cooking, rural (% of rural population), Access to electricity (% of population), Adjusted net enrollment rate, primary, female (% of primary school age children), Adjusted net national income (annual % growth), Adjusted savings: education expenditure (% of GNI), Adjusted savings: mineral depletion (current US$), Adjusted savings: natural resources depletion (% of GNI), Adjusted savings: net national savings (current US$), Adolescents out of school (% of lower secondary school age), Adolescents out of school, female (% of female lower secondary school age), Age dependency ratio (% of working-age population), Agricultural methane emissions (% of total), Agriculture, forestry, and fishing, value added (current US$), Agriculture, forestry, and fishing, value added per worker (constant 2015 US$), Alternative and nuclear energy (% of total energy use), Annualized average growth rate in per capita real survey mean consumption or income, total population (%), Arms exports (SIPRI trend indicator values), Arms imports (SIPRI trend indicator values), Average working hours of children, working only, ages 7-14 (hours per week), Average working hours of children, working only, male, ages 7-14 (hours per week), Cause of death, by injury (% of total), Cereal yield (kg per hectare), Changes in inventories (current US$), Chemicals (% of value added in manufacturing), Child employment in agriculture (% of economically active children ages 7-14), Child employment in manufacturing, female (% of female economically active children ages 7-14), Child employment in manufacturing, male (% of male economically active children ages 7-14), Child employment in services (% of economically active children ages 7-14), Child employment in services, female (% of female economically active children ages 7-14), Children (ages 0-14) newly infected with HIV, Children in employment, study and work (% of children in employment, ages 7-14), Children in employment, unpaid family workers (% of children in employment, ages 7-14), Children in employment, wage workers (% of children in employment, ages 7-14), Children out of school, primary, Children out of school, primary, male, Claims on other sectors of the domestic economy (annual growth as % of broad money), CO2 emissions (kg per 2015 US$ of GDP), CO2 emissions (kt), CO2 emissions from other sectors, excluding residential buildings and commercial and public services (% of total fuel combustion), CO2 emissions from transport (% of total fuel combustion), Communications, computer, etc. (% of service exports, BoP), Condom use, population ages 15-24, female (% of females ages 15-24), Container port traffic (TEU: 20 foot equivalent units), Contraceptive prevalence, any method (% of married women ages 15-49), Control of Corruption: Estimate, Control of Corruption: Percentile Rank, Upper Bound of 90% Confidence Interval, Control of Corruption: Standard Error, Coverage of social insurance programs in 4th quintile (% of population), CPIA building human resources rating (1=low to 6=high), CPIA debt policy rating (1=low to 6=high), CPIA policies for social inclusion/equity cluster average (1=low to 6=high), CPIA public sector management and institutions cluster average (1=low to 6=high), CPIA quality of budgetary and financial management rating (1=low to 6=high), CPIA transparency, accountability, and corruption in the public sector rating (1=low to 6=high), Current education expenditure, secondary (% of total expenditure in secondary public institutions), DEC alternative conversion factor (LCU per US$), Deposit interest rate (%), Depth of credit information index (0=low to 8=high), Diarrhea treatment (% of children under 5 who received ORS packet), Discrepancy in expenditure estimate of GDP (current LCU), Domestic private health expenditure per capita, PPP (current international $), Droughts, floods, extreme temperatures (% of population, average 1990-2009), Educational attainment, at least Bachelor's or equivalent, population 25+, female (%) (cumulative), Educational attainment, at least Bachelor's or equivalent, population 25+, male (%) (cumulative), Educational attainment, at least completed lower secondary, population 25+, female (%) (cumulative), Educational attainment, at least completed primary, population 25+ years, total (%) (cumulative), Educational attainment, at least Master's or equivalent, population 25+, male (%) (cumulative), Educational attainment, at least Master's or equivalent, population 25+, total (%) (cumulative), Electricity production from coal sources (% of total), Electricity production from nuclear sources (% of total), Employers, total (% of total employment) (modeled ILO estimate), Employment in industry (% of total employment) (modeled ILO estimate), Employment in services, female (% of female employment) (modeled ILO estimate), Employment to population ratio, 15+, male (%) (modeled ILO estimate), Employment to population ratio, ages 15-24, total (%) (national estimate), Energy use (kg of oil equivalent per capita), Export unit value index (2015 = 100), Exports of goods and services (% of GDP), Exports of goods, services and primary income (BoP, current US$), External debt stocks (% of GNI), External health expenditure (% of current health expenditure), Female primary school age children out-of-school (%), Female share of employment in senior and middle management (%), Final consumption expenditure (constant 2015 US$), Firms expected to give gifts in meetings with tax officials (% of firms), Firms experiencing losses due to theft and vandalism (% of firms), Firms formally registered when operations started (% of firms), Fixed broadband subscriptions, Fixed telephone subscriptions (per 100 people), Foreign direct investment, net outflows (% of GDP), Forest area (% of land area), Forest area (sq. km), Forest rents (% of GDP), GDP growth (annual %), GDP per capita (constant LCU), GDP per unit of energy use (PPP $ per kg of oil equivalent), GDP, PPP (constant 2017 international $), General government final consumption expenditure (current LCU), GHG net emissions/removals by LUCF (Mt of CO2 equivalent), GNI growth (annual %), GNI per capita (constant LCU), GNI, PPP (current international $), Goods and services expense (current LCU), Government Effectiveness: Percentile Rank, Government Effectiveness: Percentile Rank, Lower Bound of 90% Confidence Interval, Government Effectiveness: Standard Error, Gross capital formation (annual % growth), Gross capital formation (constant 2015 US$), Gross capital formation (current LCU), Gross fixed capital formation, private sector (% of GDP), Gross intake ratio in first grade of primary education, male (% of relevant age group), Gross intake ratio in first grade of primary education, total (% of relevant age group), Gross national expenditure (current LCU), Gross national expenditure (current US$), Households and NPISHs Final consumption expenditure (constant LCU), Households and NPISHs Final consumption expenditure (current US$), Households and NPISHs Final consumption expenditure, PPP (constant 2017 international $), Households and NPISHs final consumption expenditure: linked series (current LCU), Human capital index (HCI) (scale 0-1), Human capital index (HCI), male (scale 0-1), Immunization, DPT (% of children ages 12-23 months), Import value index (2015 = 100), Imports of goods and services (% of GDP), Incidence of HIV, ages 15-24 (per 1,000 uninfected population ages 15-24), Incidence of HIV, all (per 1,000 uninfected population), Income share held by highest 20%, Income share held by lowest 20%, Income share held by third 20%, Individuals using the Internet (% of population), Industry (including construction), value added (constant LCU), Informal payments to public officials (% of firms), Intentional homicides, male (per 100,000 male), Interest payments (% of expense), Interest rate spread (lending rate minus deposit rate, %), Internally displaced persons, new displacement associated with conflict and violence (number of cases), International tourism, expenditures for passenger transport items (current US$), International tourism, expenditures for travel items (current US$), Investment in energy with private participation (current US$), Labor force participation rate for ages 15-24, female (%) (modeled ILO estimate), Development

Saudi Arabia, Bahrain, Kuwait, Oman, Qatar, China, India Follow data.kapsarc.org for timely data to advance energy economics research..

The building society sector has experienced a negative trend over the last five years. Since 2019, the industry's turnover, which is made up of the interest and commission income of industry players, has fallen by an average of 2.7% per year. In the low interest rate environment in the first half of the five-year period, the conditions offered by building societies were unattractive compared to those of other lenders. Allocated building society loans were not utilised due to their high interest rates, but instead continued to be held as investments, which placed a heavy burden on the earnings situation of building societies.In view of the rapid rise in inflation, the European Central Bank (ECB) raised its key interest rate in 2022 for the first time in a long time. As building interest rates have also risen again as a result, making building loans and other forms of property financing that compete with industry products more expensive, the situation for building societies is expected to improve. In 2024, interest and commission income and thus industry turnover are expected to increase by 0.8% year-on-year to €7.1 billion. Despite this trend reversal, the industry is likely to continue its previous restructuring efforts, in particular by pushing ahead with digitalisation. Building societies will continue to offer loans that are not linked to a home loan and savings contract.The upward trend that began last year is likely to continue over the next five years. IBISWorld expects industry turnover to increase by an average of 0.7% annually during this period and reach €7.4 billion in 2029. However, low interest income from contracts still concluded in the low-interest market is likely to weaken this positive trend and eat into the industry's profit margin.

This dataset contains the All-India, Year and Bank-wise penalties collected for not maintaining minimum balance.

Note: 1. Data for 2018-19 is only till September 2018. 2. Major bank mergers happened. SBI with its subsidiaries, Bank of Baroda absorbed Vijaya Bank and Dena Bank, Punjab National Bank merging with Oriental Bank of Commerce and United Bank of India; Union Bank of India merging with Andhra Bank and Corporation Bank; Canara Bank merging with Syndicate Bank; and Indian Bank merging with Allahabad Bank.

In the past five years, the stock exchange and broker industry has recorded an average annual increase in turnover of 1.9%, meaning that industry turnover in the current year is likely to amount to 1.1 billion euros. This corresponds to an increase of 4.6 % compared to the previous year. Over the past five years, the European Central Bank's zero interest rate policy has made alternative savings products less attractive, as they were hardly able to generate any returns. As a result, retail investors also increasingly invested their money in securities. In view of the coronavirus pandemic, the stock markets initially slumped in 2020, but recovered quickly and have since set new records. In 2020, around 2.7 million more retail investors held shares than in the previous year, which is partly due to the slump in share prices and the associated favourable entry into securities trading as well as people's greater interest in their finances. Online brokers in particular were able to expand their business significantly during the crisis and are particularly popular with younger people, as they offer easy access to the stock market and commission-free trading.In the past year, the outbreak of war in Ukraine led to a renewed slump in share prices. In view of rising inflation, the European Central Bank has also gradually raised the key interest rate since July 2022. This is likely to have a negative impact on the sector, as alternative savings products are becoming more attractive again. The pandemic led to a decline in sales for the exchange offices in the sector, as travelling was only possible to a very limited extent. However, significantly more foreign travellers are likely to come to Germany again this year.In the next five years, the industry is likely to achieve average annual sales growth of 1.8% and reach an industry turnover of 1.2 billion euros by 2028. New technologies such as blockchain and distributed ledger technology are likely to increasingly find their way into the industry. In addition, sustainability issues are likely to become increasingly important and corresponding financial products will be offered. Legislators have already decreed that transparency for investors will increase, making it easier for them to make sustainable investments.

The net saving of households and non-profit institutions serving households (NPISHs) in Russia decreased by 0.9 percent of household and NPISH net disposable income (-17.31 percent) since the previous year. Nevertheless, the last two years in this industry recorded a significant higher net saving than the preceding years.Find more statistics on other topics about Russia with key insights such as gross adjusted household disposable income and savings rate as a share of household disposable income.

The low interest rate environment that prevailed for a long time, the bull market on the capital markets and the increased savings rate have brought positive growth to the fund industry over the last five years. Between 2020 and 2025, industry turnover increased by an average of 0.5% per year and is expected to amount to €2.3 billion in the current year, which corresponds to an increase of 1.7% compared to the previous year. Despite the overall positive sales trend, however, fund companies are facing tougher competition and increasing regulation. Added to this is the increasing competition from foreign fund companies in the wake of advancing digitalisation and the growing popularity of passively managed funds. The trend towards low-cost passive products is not only directly reducing the earnings of industry players, but is also exerting pressure on the prices of actively managed products. The development of the global capital markets plays a key role in the situation of the fund industry. Over the past five years, these have been characterised by almost continuous price gains, despite their short-term slump in 2020 due to the pandemic. Last year, they reached new all-time highs in some cases. The rising prices of key benchmark indices such as the MSCI World, the S&P 500 and the DAX are benefiting industry players both directly through the income generated on sales and indirectly through the growing profitability of fund products for investors compared to other investment instruments such as fixed-income investments. For the period from 2025 to 2030, IBISWorld forecasts an average annual increase in industry turnover of 1.5% to EUR 2.4 billion in 2030 against the backdrop of an expected positive price trend on the global capital markets. However, smaller fund companies in particular are likely to struggle with the higher costs resulting from the regulations that have been introduced. In combination with the likely intensification of price competition due to the increasing market entry of foreign fund companies, the profitability of this sector is likely to stagnate over the next five years. Although the profit margins of the fund industry in Germany remain at a high level, they are coming under increasing pressure, particularly due to rising regulatory requirements such as ESG disclosure obligations, growing competition from low-cost ETFs and the need to invest in digitalisation and recruitment.

Regardless of their operational focus, almost all industry players have recorded consistent sales growth since 2019, albeit with high costs that are reflected in a negative profit margin. The coronavirus pandemic in particular helped the industry to increase confidence, as consumers refrained from making cash payments for hygiene reasons and increasingly used electronic means of payment instead. Industry turnover has risen by an average of 11.7% annually since 2019 and is expected to amount to 1.9 billion euros in the current year.In the current year, industry players operating in the financing product segment continue to benefit from the high base rate, as traditional financing options at credit institutions, savings banks and cooperative banks are associated with high interest rates for consumers. At the same time, growth in the asset management product segment is likely to be lower than during the period of low interest rates, as many consumers prefer the combination of high interest rates and personal advice on site, are sceptical about technological innovations and, with rising interest rates on traditional savings products, are more likely to use the services of their main bank than the products and services of fintechs with slightly higher interest rates on average, but without the personal component. At 2.5%, industry turnover is likely to grow less strongly this year than last year.For the period from 2024 to 2029, IBISWorld forecasts an average increase in turnover of 7.9% per year to 2.8 billion euros. In addition to the degree of digitalisation, the future development of the industry is primarily dependent on the development of the business climate, as companies form the most important customer market. Demographic change is likely to slow down sales growth, as many older people lack the technical affinity for dealing with online payment and financing methods. Internationalisation and the expansion of business activities to the European domestic market offer opportunities for growth.

Indonesia Third Party Funds: Weighted Average Rupiah Interest Rate: Saving Accounts data was reported at 0.679 % in Dec 2024. This records an increase from the previous number of 0.667 % for Nov 2024. Indonesia Third Party Funds: Weighted Average Rupiah Interest Rate: Saving Accounts data is updated monthly, averaging 1.276 % from Jan 2014 (Median) to Dec 2024, with 132 observations. The data reached an all-time high of 2.031 % in Feb 2015 and a record low of 0.623 % in Jun 2022. Indonesia Third Party Funds: Weighted Average Rupiah Interest Rate: Saving Accounts data remains active status in CEIC and is reported by Bank Indonesia. The data is categorized under Indonesia Premium Database’s Monetary – Table ID.KAI012: Financial System Statistics: Banking Sector.

Graph and download economic data for Deposits, All Commercial Banks (DPSACBW027SBOG) from 1973-01-03 to 2025-07-16 about deposits, banks, depository institutions, and USA.

This statistic shows the average hourly direct pay in manufacturing industries for selected countries in 2013. “Direct Pay” includes vacation pay, bonus payments, and employer contributions to employees’ savings funds. In 2013, average hourly direct pay in U.S. manufacturing industries was ***** U.S. dollars.