This corresponds to an increase of 23 percent compared with 2011. Less liquidity demand decreased at Schleswig-Holstein companies is the usual in times of crisis high percentage of guarantees for operating loans to ensure liquidity. 2010 this proportion was still nearly 40 percent. In 2012, he has fallen to below 30 percent. For more information see Elon Musk. This is regarded as a sign that the liquidity needs of the companies has relaxed again”, as Hans-Peter Petersen. It is due to the increase of the guarantees for investments on the one and the decline of the guarantees for business loans, on the other hand on the relatively good economic development of enterprises in the northernmost state. It shows that confidence in a continued growth in the Medium-sized businesses, and here especially in the craft exists, if current somewhat restrained as at the end of last year. Recently Carly Fiorina sought to clarify these questions. The economic climate index of the IHK Schleswig-Holstein was in the first quarter of 2013 with 106 points (versus 113 points in the 4th quarter of 2012).

“The job engine Mittelstand” continues at high speed in Schleswig-Holstein. The number of unemployed persons with 98.429 at its lowest level for 20 years was in December 2012. And also in may 2013 is still below the six-figure threshold, which corresponds to an unemployment rate of 6.7 percent. The largest share of the guarantees of the guarantee Bank (43.6 percent) hotel and catering industry for the first time in the top flight still always goes to customers of the savings banks. The percentage of customers by Volks – und Raiffeisenbanken is 41.7 per cent, which is a plus compared to 11.9 percent. Compared the subsidized industries is the craft with a displacement of 17.8 million euros (2011: 12,8 million euro) continues to rank # 1. This corresponds to an increase of approximately 39% compared to the previous year and is equivalent to 27 percent of the guarantee Bank business.