66. Recognises however that it is difficult for state-funded pensions to fulfil people's income needs in retirement: considers that greater importance and energy should be committed by Member States to develop appropriate supplementary pension systems and to encourage personal savings;

67. Recognises however that it is difficult for state-funded pensions to fulfil people's income needs in retirement: considers that greater importance and energy should be committed by Member States to develop appropriate supplementary pension systems and to encourage personal savings;

First, under Section 3(6) of the LBB Law, it would in future have to continue to carry out development activities such as promoting saving and managing giro accounts also for private customers with limited creditworthiness (accounts for the man in the street).

Initiatives linking working time with training (for example working time accounts, educational and training leave and job rotation schemes are continuing. Efforts to develop accreditation systems for non-formal learning are being taken forward. There are some signs of a movement towards a longer-term, more strategic approach to workforce development and the promotion of more integrated packages of measures promoting lifelong learning but generally little attention has been given to promoting a broader culture of learning in the workplace. Entitlement of workers to individual training plans is becoming more common (Belgium, Denmark, the N ...[+++]etherlands, Finland, Sweden and the United Kingdom), and, in a few cases, a broader entitlement to a minimum number of hours training per year is being introduced (Portugal, Finland). However, it is too early to see the results.

The French law on Employee Saving Plans requires mutual funds, which collect money from the Employee Saving Plans, the Inter-companies Saving Plans and the Voluntary Partnership Employee Saving Plans, to report on their policies on socially responsible investing.

(b) savings banks (including trustee savings banks and savings banks and loan associations);