Retail Banking Market Dynamics: Germany 2018

Retail Banking Market Dynamics: Germany 2018


The retail mortgage and deposits markets in Germany reported strong growth during 2013-17, but they are expected to decelerate in the next five years. The personal loan market is set to register improved growth during 2018-22 compared with the preceding five-year period, while the credit card market is forecast to grow at a steady rate. German banks have reported higher profitability than their peers in France, but their operating efficiency is declining.

The report Retail Banking Market Dynamics: Germany 2018, identifies macroeconomic and competitive dynamics that impact upon the German retail banking market. It provides insight into -

  • The outlook for deposits, credit cards, personal loans, and mortgages
  • Net changes in market share across all four product areas
  • Overall financial performance including profitability, efficiency, and income sources
Companies mentioned: Deutsche Bank, Commerzbank, Deutsche Postbank AG, Hypovereinsbank, Sparkassen, DZ Bank, ING-DiBa, LB Baden-W├╝rttemberg, Das Kann Bank, Volkswagen Bank

  • Among the top banks in the German retail deposits market, HypoVereinsbank increased its market share the most over the review period.
  • Commerzbank outperformed the top banks with the highest annual growth rate in mortgage loan balances in 2017.
  • Credit card balances are expected to record a compound annual growth rate of 3.8% over 2018-22.
Reasons to buy
  • Identify factors affecting growth prospects across the deposit, credit card, personal loan, and mortgage markets.
  • Track competitor gains and losses in market share.
  • Assess the financial performance of competitors.

Macroeconomic Overview
Retail Deposits
Credit Cards
Personal Loans
Financial Ratios Market Average
Competitor Financial Performance

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