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Publications

​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​Publications

​Published materials from​ WSBI and ESBG




Latest releases.


 

​​ESBG EU Policy Memorandum


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Our titles.

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News & Views​​

A quarterly publication covering the latest news from the assocations as well as insight pieces from leaders in the savings and retail banking world. 

Special focus is placed on WSBI work on financial inclusion, innovation, sustainable finance, proportionality and better regulation. 
​In print or online, its written with WSBI-ESBG members and banking sector stakeholders in mind. ​

>> See more​​


  

Position Papers

WSBI-ESBG 's latest position papers include responses to consultations and letters submitted to the European Commission an​d other po​​licymaking bodies.​​ 

Covers a host of issues related to public policy that affects the savings and retail banking model.
A must read for policymakers, policy experts and stakeholders. 

>> See more


  


 

​​​Perspectives

Published from 1997 to 2013, the Perspectives series contains research papers on economic, legal and marketing-oriented topics, ​
as well as on microcredit and microfinance. Most editions of the publication are available as a .pdf via the search box below. 

Printed copies are still available for the most recent issues.​ 

>> See more

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​WSBI and ESBG, along with other organisations affiliated with the two associations, publish on a regular basis research papers on specific topics. 

Subjects covered include financial inclusion, WSBI's doubling savings account programme, microcredit, access to finance, social dividend, proximity, sustainability, mobile banking, agent banking and affordability. 

>> See more

    


  

ESBG brochures.


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 NEW

Together for a growing and more integrated Europe 

​Savings and retails' drive to help Europeans prosper.

​ ​ >> Read now​​​​​​​ | >> En français




ESBG Policy Perspectives 20​16-2017

​Savings and retail banking: A unique, locally driven model that helps unleash real economy growth and create jobs. 

Available in four languages, it provides an overview of policy positions taken by savings and retail banks in Europe that relate to EU policy. 

An ideal first read for policymakers and stakeholders. ​

>> See more


 



UPDATED: ​​​​ESBG: Banking.Serving.Thriving.

​​A brochure first published by ESBG in 2016 and updated in 2019 that provides an overview of the social value of savings and retail banks. 

Banking. Serving. Thriving showcases the impact made by European savings and retail banks to boost the real economy
​while giving back to the communities they serve. ​​

It gives policymakers and stakeholders a glimpse of how savings and retail banking play a special role in the EU economy and society. 

>> Read

 

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​​​ESBG Financial Education​ 

​​A brochure published by ESBG in 2019 that focuses on good practice from ESBG members, addressing how financial education can act as a powerful tool in the fight against over-indebtedness. A lack of education – particularly financial education –  can be the cause in some cases of some of the problems affecting part of the financial system, namely over-indebtedness, lack of diversification, fraud and abuse. An increased level of financial literacy can mitigate those, particularly over-indebtedness. Increased levels of financial literacy, complementing adequate consumer protection regulation, can lead to fairer and more inclusive societies. 

>> Read the brochure  




 

​​WSBI brochures.


 

 

NEW

Scale2Save Programme report: "Savings and Retail Banking in Africa​​​"

Results from 2018 WSBI member bank survey

Focusing on the needs of customers remains a challenge for savings and retail banks in Africa, according to a new report​ issued in January 2019 by WSBI’s Scale2Save Programme, a partnership between WSBI and Mastercard Foundation. Based on a survey of 34 WSBI Africa institutions in 2018, the 50-page report finds that member banks offer a variety of transaction and savings accounts as part of their drive to attract and satisfy customers. But it also found their product and service mix still falls short of customer needs. That shortfall could decrease account activity and hamper take-up by potential customers. If this persists, banks surveyed could face weak financial performances. 

>> See report




 

 ​WSBI in Africa: Banking.Serving.Thriving.

brochure published by WSBI in October 2018 that provides an overview of the social value of savings and retail banks ​in Africa. 

Banking.Serving.Thriving. showcases the impact made by savings and retail banks there to boost the real economy while giving back to the communities they serve. ​​It gives policymakers and stakeholders a glimpse of how savings and retail banking play a special role. 




 


  

WSBI in Asia-Pacific: Banking.Serving.Thriving.

​​brochure published by WSBI in 2018 that provides an overview of the social value of savings and retail banks ​in the Asia-Pacific region. 

Banking.Serving.Thriving. showcases the impact made by savings and retail banks there to boost the real economy while giving back to the communities they serve. ​​It gives policymakers and stakeholders a glimpse of how savings and retail banking play a special role. 


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​ WSBI in Latin America: BANCARIZANDO. SIRVIENDO. PROSPERANDO.

brochure published by WSBI in 2017 that provides an overview of the social value of savings and retail banks ​in Latin America and the Caribbean. 

BANCARIZANDO. SIRVIENDO. PROSPERANDO. showcases the impact made by savings and retail banks in the region to boost the real economy while giving back to the communities they serve. ​​It gives policymakers and stakeholders a glimpse of how savings and retail banking play a special role. 

En español​ ​| English


 


 

  


WSBI-CYFI joint study on SchoolBank

 A study showing the power of financial education starting young via School Bank programme. 

The report describes the different models and approaches to SchoolBanking through the long tradition of activities carried out by WSBI members 
​as well through CYFI’s current work in this area. 

Intended for policymakers and stakeholders, report conclusions and case studies demonstrate how SchoolBank is a proven way to inform and educate people at a young age about financial principles that they can carry with them throughout their lives.

>> See more


 


 ​​ WSBI G20 institutional positions

​​​​​​Building Consensus for Fair and Sustainable Development​.

​The latest set of institutional positions from WSBI related to G20 policy areas.