World Savings and Retail Banking Institute
Helping savings and retail banks around the world to thrive
European Savings and Retail Banking Group
The voice of savings and retail banks at the heart of EU decision making
Driven by the three "R's"
With roots in 1924, WSBI-ESBG members enjoy a long history of socially responsible banking around the world. Although organizational structures vary from country to country, they each share certain values in their business models, embedded within the three “R”s.

Social responsibility is a core value of our members, towards their clients, employees, communities and the environment. Unlike Wall Street players, WSBI members are Main Street players.

Retail
Actively providing financial services for people – individual consumers and their households – as well as for micro-, small- and medium-sized enterprises (MSMEs) and local authorities.

Regional
Deploy broad distribution networks rooted within the communities they serve, including local and regional outreach in both urban and rural areas. Savings mobilized locally support the local economy. Members offer both digital solutions but they also keep the human touch through extensive branch networks.

Responsible
Social responsibility is a core value of our members, towards their clients, employees, communities and the environment. Unlike Wall Street players, WSBI members are Main Street players, serving all segments of population. Savings and retail banks follow a balanced approach for financial sustainability and a return to society. Profits make a sustainable bank; profit maximization should not be the ultimate goal. ESBG member banks rather give back part of locally made profits by reinvesting in the communities they serve, such as via philanthropic projects and foundation work.
Together WSBI and ESBG...

WSBI ESBG
WSBI ESBG Charter for Responsible and Sustainable Business
A signatory of the United Nations Global Compact since 2006, WSBI-ESBG follows the 10 Principles within it. These principles describe fully social and environmental responsibility commitments to follow. WSBI-ESBG is supportive of the Sustainable Development Goals, or SDGs, which range from ending world poverty to fighting climate change by 2030.

65
COUNTRIES

88
MEMBERS

1.7BN
CUSTOMERS

556MIL.
TRANSACTIONS ACCOUNTS
August 11, 2022
An opportunity for the banking sector to work with informal savings groups in Morocco
Tontine, an ancestral practice, is tending to modernize thanks to digital technology.
August 10, 2022
State Aid rules for banks in difficulty
The European Savings and Retail Banking Group (ESBG) welcomes the initiative of the European…
August 3, 2022
International Sustainability Standards Board consultation on Sustainability Disclosures
The International Sustainability Standards Board (ISSB) has been established at COP26 with the…
July 27, 2022
Leading and managing change to reach low-income savers in Nigeria
Leading and managing change to reach low-income savers in Nigeria
July 25, 2022
Unpacking the customer through demand side data
WSBI's Scale2Save programme launched the sixth case study of its Savings and Retail Banking in…
July 14, 2022
Number of unbanked adult EU citizens more than halved in the last four years
The World Savings and Retail Banking Institute (WSBI) called today on policymakers for the…
July 8, 2022
World savings and retail banks call for harmonised taxonomies on sustainable finance
The World Savings and Retail Banking Institute (WSBI) called today on policymakers for the…
July 7, 2022
World savings and retail banks moving forward on sustainability
World Savings and Retail Banking Institute (WSBI)'s members get together for the first time since…
July 6, 2022
WSBI shares conclusions of its 6-year programme for financial inclusion
WSBI programme for financial inclusion shared its conclusions at a closing event in Paris, attended…
June 30, 2022
Banking in 2030 – How will the current global trends, especially AI, shape the post-Covid19 pandemic future of the European banking industry and its employees?
The EU Retail Investment Strategy aims to increase the level of retail investor participation in…
August 10, 2022
State Aid rules for banks in difficulty
The European Savings and Retail Banking Group (ESBG) welcomes the initiative of the European…
August 3, 2022
International Sustainability Standards Board consultation on Sustainability Disclosures
The International Sustainability Standards Board (ISSB) has been established at COP26 with the…
July 20, 2022
For a single market for data to push growth and innovation
A European approach to data is essential to ensure competitiveness, avoid fragmentation, benefit…
July 20, 2022
PSD2 review must seek fair distribution of value and risk among all market participants
ESBG submitted its response to the European Commission (EC)’s targeted consultation on the review…
July 13, 2022
On the EU Commission consultation on Distance Marketing in Financial Services Directive review
ESBG supports the scenario chosen by the EU Commission for its proposal to retain the relevant and…
June 17, 2022
Digital euro: ESBG’s response to the European Commission targeted consultation
The European Savings and Retail Banking Group stated the need to further assess exactly what gaps…
June 3, 2022
ESBG supports consumer participation in capital markets
The EU Retail Investment Strategy aims to increase the level of retail investor participation in…
May 27, 2022
ESBG calls for more feasible rules on the new corporate sustainability due diligence
In its response to the European Commission call for feedback on the proposal for a Directive on…
May 23, 2022
ESBG submits its position to the International Accounting Standards Board on IFRS 17
ESBG believes that this does not correctly portray the insurance service provided under these…
May 18, 2022
ESBG welcomes horizontal cybersecurity requirements for digital products
ESBG's response to the European Commission consultation on the Cyber Resilience Act, a regulation…
26th edition of SPOTLIGHT : Hello, itsme® you’re looking for ?
Online Event |
26 August, 14:00 PM CET | 2022
26th edition of SPOTLIGHT : Hello, itsme® you're looking for ?
Sanctions Painkiller: Series of webinars on navigating sanctions compliance
Virtual Panel |
03 June 2022
Conference on cyber security in banks
Virtual Panel |
28 January 2022
Cyber security and fighting cyber crime are among the top concerns for all banks across the globe. News on identity and data theft, various cyber-attacks, security breaches resulting in large losses, make regular headlines.