Exchange with Representatives of the Credit Industry and L-Bank
A high-level meeting on business financing took place in Baden-WĆ¼rttemberg on December 17, 2025. Dr. Nicole Hoffmeister-Kraut, the stateās Minister for Economic Affairs, Labor, and Tourism, gathered with leaders from the banking sector and L-Bank to address current challenges. The discussions focused on lending conditions and support for companies facing economic pressures.
The minister stressed the importance of banks backing businesses during a period of economic weakness and structural change. She called for stronger financial support to help companies navigate difficulties.
Representatives from savings banks, cooperative associations, and major lenders outlined their ongoing efforts. Dr. Matthias Neth, President of the Baden-WĆ¼rttemberg Savings Banks Association, confirmed that savings banks still fund viable projects despite tough conditions. Dr. Ulrich Theileis, President of the Baden-WĆ¼rttemberg Cooperative Association, reported a 3.3 percent rise in lending to businesses and self-employed individuals in 2025.
L-Bank CEO Edith Weymayr highlighted the bankās funding programmes designed to ease loan negotiations. Rainer Neske, CEO of LBBW, added that his institution provides stable financing for sustainable growth. Both leaders acknowledged that some loan discussions may fall short of expectations but urged businesses to submit thorough financial data when applying for credit.
The banking sector also noted stricter verification rules due to declining creditworthiness among applicants. To address disputes, representatives offered to review specific cases and act as mediators if needed.
The meeting concluded with reassurances that lending to businesses has grown, with no signs of a credit squeeze. Banks emphasised their willingness to assist but warned that stricter checks remain necessary. Companies seeking loans were advised to prepare detailed financial records to improve approval chances.
