Other commercial sources of funding are required, such as from banks or the capital market. Unfortunately, bank funding is still dominated by short-term fund sources; therefore, the funding of long-term infrastructure projects is relatively limited. We cannot allow this to persist. Appropriate infrastructure is dearly needed if we want our economy to expand further in a more balanced and prosperous way.
This is followed by improved customer services and operational efficiency, which have a lower ranking.3 The direct costs associated with this for the banking industry in Germany as a result of regulation in the period from 2010 to 2015 also represent a challenge, however.