Industry Statistics and Trends
Market size and recent performance (2014-2029)
Industry revenue has grown at a CAGR of 0.5 % over the past five years, to reach an estimated €96.9bn in 2024.
Trends and Insights
Over the past five years, the credit banks have reduced their staff
- Over the past five years, the number of employees in the sector has fallen and it is expected that staff reductions will continue in the coming years. The two largest players in the sector, Deutsche Bank and Commerzbank, are among those pursuing such plans.
- Additional trends and insights available with purchase
Source: Alfabank-Adres
Industry outlook (2024-2029)
Market size is projected to grow over the next five years.
Trends and Insights
The development of demand depends on the future development of the key interest rate
- Between 2018 and 2022, the volume of corporate loans increased from 1.5 trillion to 1.9 trillion euros. Three quarters of this was used for long-term investments, primarily to finance equipment and buildings.
Biggest companies in the Commercial Banks in Germany
| Company | Market Share (%)
2024 | Revenue (€m)
2024 |
|---|---|---|
Deutsche Bank AG | 11,031.0 | |
Commerzbank AG | 7,958.0 | |
ING-DiBa AG | 3,375.0 |
To view the market share and analysis for all 8 top companies in this industry, view purchase options.
Products & Services Segmentation
Source: Alfabank-Adres
Industry revenue is measured across several distinct product and services lines, including Housing loans for private households, Short and medium-term corporate loans and Long-term corporate loans. Housing loans for private households is the largest segment of the Commercial Banks in Germany.
Trends and Insights
Demand for home loans for private households is falling due to rising interest rates
- Housing loans for private individuals account for the largest share of the credit volume. These include all loans granted for the purchase, construction or modernisation of housing.
- More insights available in the full report
Table of Contents
About this industry
Industry definition
Credit institutions are companies in private legal form (excluding registered co-operatives) that generally conduct banking business of all kinds. The focus is on short and medium-term lending and deposit business. The sector does not include savings banks, mortgage banks, development banks and cooperative banks.
What's included in this industry?
Housing loans for private householdsShort and medium-term corporate loansLong-term corporate loansInstalment loansCompanies
Deutsche Bank AGCommerzbank AGING-DiBa AGPurchase this report to view all 8 major companies in this industry.
Related Terms
FINTECHDIGITAL BANKINGBLOCKCHAINIndustry Code
WZ 64.19.1 - Commercial Banks in Germany
Performance
Get an indication of the industry's health through historical, current and forward-looking trends in the performance indicators that make or break businesses.
Analyst insights
Many industry players are currently reducing their workforce. Commerzbank, for example, wants to cut almost 10,000 full-time jobs by 2024 and Deutsche Bank has cut around 18,...
In this chapter (4)
- Current Performance
- Outlook
- Volatility
- Life Cycle
Key metrics
- Annual Revenue, Recent Growth, Forecast, Revenue Volatility
- Number of Employees, Recent Growth, Forecast, Employees per Business, Revenue per Employee
- Number of Businesses, Recent Growth, Forecast, Employees per Business, Revenue per Business
- Total Profit, Profit Margin, Profit per Business
Charts
- Revenue, including historical (2014-2023) and forecast (2024-2029)
- Employees, including historical (2014-2023) and forecast (2024-2029)
- Businesses, including historical (2014-2023) and forecast (2024-2029)
- Profit, including historical (2014-2024)
- Industry Volatility vs. Revenue Growth
- Industry Life Cycle
Detailed analysis
- Trends in supply, demand and current events that are driving current industry performance
- Expected trends, economic factors and ongoing events that drive the industry's outlook
- Key success factors for businesses to overcome volatility
- How contribution to GDP, industry saturation, innovation, consolidation, and technology and systems influence the industry's life cycle phase.
Products and Markets
Learn about an industry's products and services, markets and trends in international trade.
Analyst insight
The most important product category for credit banks is home loans for private households. The increase in interest rates will make construction more expensive, which is like...
In this chapter
- Products & Services
- Major Markets
Key metrics
- Largest market segment and value in 2024
- Product innovation level
Charts
- Products & services segmentation in 2024
- Major market segmentation in 2024
Detailed analysis
- Trends impacting the recent performance of the industry's various segments
- Innovations in the industry's product or service offering, specialization or delivery method
- Key factors that successful businesses consider in their offerings
- Buying segments and key trends influencing demand for industry products and services
Geographic Breakdown
Discover where business activity is most concentrated in an industry and the factors driving these trends to find opportunities and conduct regional benchmarking.
Analyst insights
Most of the credit banks' branches are located in the centre region. The two largest credit banks, Deutsche Bank and Commerzbank, are also headquartered in Frankfurt am Main.
In this chapter (1)
- Business Locations
Charts
- Share of revenue, establishment, wages and employment in each region
- Share of population compared to establishments in each region in 2024
Tables
- Number and share of establishments in each region in 2024
- Number and share of revenue each region accounts for in 2024
- Number and share of wages each region accounts for in 2024
- Number and share of employees in each region in 2024
Detailed analysis
- Geographic spread of the industry across Europe, and trends associated with changes in the business landscape
- Key success factors for businesses to use location to their advantage
Competitive Forces
Get data and insights on what's driving competition in an industry and the challenges industry operators and new entrants may face, with analysis built around Porter's Five Forces framework.
Analyst insights
There is very strong competition in the industry. The products of the credit banks are very homogeneous, which is why customer loyalty must be strengthened through outstandin...
In this chapter (4)
- Concentration
- Barriers to Entry
- Substitutes
- Buyer & Supplier Analysis
Key metrics
- Industry concentration level
- Industry competition level and trend
- Barriers to entry level and trend
- Substitutes level and trend
- Buyer power level and trend
- Supplier power level and trend
Charts
- Market share concentration among the top 4 suppliers from 2019-2024
- Supply chain including upstream supplying industries and downstream buying industries, flow chart
Detailed analysis
- Factors impacting the industry’s level of concentration, such as business distribution, new entrants, or merger and acquisition activity.
- Key success factors for businesses to manage the competitive environment of the industry.
- Challenges that potential industry entrants face such as legal, start-up costs, differentiation, labor/capital intensity and capital expenses.
- Key success factors for potential entrants to overcome barriers to entry.
- Competitive threats from potential substitutes for the industry’s own products and services.
- Key success factors for how successful businesses can compete with substitutes.
- Advantages that buyers have to keep favorable purchasing conditions.
- Advantages that suppliers have to maintain favorable selling conditions.
- Key success factors for how businesses can navigate buyer and supplier power.
Companies
Learn about the performance of the top companies in the industry.
Analyst insights
Deutsche Bank AG has the highest market share in the credit banking sector. Postbank has been part of the company since 2012, and one of the aims of the merger was to achieve...
In this chapter
- Market Share Concentration
- Companies
- Company Spotlights
Charts
- Industry market share by company in 2020 through 2024
- Major companies in the industry, including market share, revenue, profit and profit margin in 2024
- Overview of Deutsche Bank AG's performance by revenue, market share and profit margin from 2018 through 2024
- Overview of Commerzbank AG's performance by revenue, market share and profit margin from 2018 through 2024
- Overview of ING-DiBa AG's performance by revenue, market share and profit margin from 2018 through 2024
- Overview of revenue, market share and profit margin trend for 5 additional companies
Detailed analysis
- Description and key data for Deutsche Bank AG, and factors influencing its performance in the industry
- Description and key data for Commerzbank AG, and factors influencing its performance in the industry
- Description and key data for ING-DiBa AG, and factors influencing its performance in the industry
- Description, key data and performance trends for 5 additional companies
External Environment
Understand the demographic, economic and regulatory factors that shape how businesses in an industry perform.
Analyst insights
The development of the business climate provides information about the demand for loans. If the business climate improves, more loans are generally requested.
In this chapter
- External Drivers
- Regulation & Policy
- Assistance
Key metrics
- Regulation & policy level and trend
- Assistance level and trend
Charts
- Regulation & Policy historical data and forecast (2014-2029)
- Assistance historical data and forecast (2014-2029)
Detailed analysis
- Demographic and macroeconomic factors influencing the industry, including Regulation & Policy and Assistance
- Major types of regulations, regulatory bodies, industry standards or specific regulations impacting requirements for industry operators
- Key governmental and non-governmental groups or policies that may provide some relief for industry operators.
Financial Benchmarks
View average costs for industry operators and compare financial data against an industry's financial benchmarks over time.
Analyst insights
The interest rate hike has a positive effect on the profit margin of credit banks. In recent years, costs have been reduced through job cuts and branch closures, which has al...
In this chapter
- Cost Structure
- Financial Ratios
- Key Ratios
Key metrics
- Profit margin, and how it compares to the sector-wide margin
- Average wages, and how it compares to the sector-wide average wage
- Largest cost component as a percentage of revenue
- Industry average ratios for days' receivables, industry coverage and debt-to-net-worth ratio
Charts
- Average industry operating costs as a share of revenue, including purchases, wages, depreciation, utilities, rent, other costs and profit in 2024
- Average sector operating costs as a share of revenue, including purchases, wages, depreciation, utilities, rent, other costs and profit in 2024
- Investment vs. share of economy
Data tables
- Cash Flow & Debt Service Ratios (2014-2029)
- Revenue per Employee (2014-2029)
- Revenue per Enterprise (2014-2029)
- Employees per Establishment (2014-2029)
- Employees per Enterprise (2014-2029)
- Average Wage (2014-2029)
- Wages/Revenue (2014-2029)
- Establishments per Enterprise (2014-2029)
- IVA/Revenue (2014-2029)
- Imports/Demand (2014-2029)
- Exports/Revenue (2014-2029)
Detailed analysis
- Trends in the cost component for industry operators and their impact on industry costs and profitability
Key Statistics
Industry Data
Data Tables
Including values and annual change:
- Revenue (2014-2029)
- IVA (2014-2029)
- Establishments (2014-2029)
- Enterprises (2014-2029)
- Employment (2014-2029)
- Exports (2014-2029)
- Imports (2014-2029)
- Wages (2014-2029)
Top Questions Answered
Unlock comprehensive answers and precise data upon purchase. View purchase options.
What is the market size of the Commercial Banks industry in Germany in 2024?
The market size of the Commercial Banks industry in Germany is €96.9bn in 2024.
How many businesses are there in the Commercial Banks in Germany industry in 2024?
There are 147 businesses in the Commercial Banks industry in Germany, which has declined at a CAGR of 2.3 % between 2019 and 2024.
Has the Commercial Banks industry in Germany grown or declined over the past 5 years?
The market size of the Commercial Banks industry in Germany has been growing at a CAGR of 0.5 % between 2019 and 2024.
What is the forecast growth of the Commercial Banks industry in Germany over the next 5 years?
Over the next five years, the Commercial Banks industry in Germany is expected to grow.
What are the biggest companies in the Commercial Banks market in Germany?
The biggest companies operating in the Commercial Banks market in Germany are Deutsche Bank AG, Commerzbank AG and ING-DiBa AG
What does the Commercial Banks in Germany include?
Housing loans for private households and Short and medium-term corporate loans are part of the Commercial Banks industry.
Which companies have the highest market share in the Commercial Banks in Germany?
The company holding the most market share in Germany is Deutsche Bank AG.
How competitive is the Commercial Banks industry in Germany?
The level of competition is high and increasing in the Commercial Banks industry in Germany.
Related Industries
Widen your competitive advantage with related industries
Competitors
- Savings Banks in Germany
- Cooperatives in Germany
- Mortgage Banks in Germany
- Development Banks in Germany
- Building Societies in Germany
Complementors
- There are no industries to display.
International industries
- Global Commercial Banks
- Credit Unions in the US
- Credit Unions in Canada
- Credit Unions and Building Societies in Australia
- Banking in New Zealand
View all industries in Germany
Methodology
How are Alfabank-Adres reports created?
Alfabank-Adres has been a leading provider of trusted industry research for over 50 years to the most successful companies worldwide. With offices in Australia, the United States, the United Kingdom, Germany and China, we are proud to have local teams of analysts that conduct research, data analysis and forecasting to produce data-driven industry reports.
Our analysts start with official, verified and publicly available sources of data to build the most accurate picture of each industry. Analysts then leverage their expertise and knowledge of the local markets to synthesize trends into digestible content for Alfabank-Adres readers. Finally, each report is reviewed by one of Alfabank-Adres’s editors, who provide quality assurance to ensure accuracy and readability.
Alfabank-Adres relies on human-verified data and human-written analysis to compile each standard industry report. We do not use generative AI tools to write insights, although members can choose to leverage AI-based tools within the platform to generate additional analysis formats.
What data sources do Alfabank-Adres analysts use?
Each industry report incorporates data and research from government databases, industry-specific sources, industry contacts, and our own proprietary database of statistics and analysis to provide balanced, independent and accurate insights.
Key data sources in Germany include:
- German Federal Statistics Office (Destatis)
- European Statistics Office (Eurostat)
- United Nations Comtrade
Analysts also use industry specific sources to complement catch-all sources, although their perspective may focus on a particular organization or representative body, rather than a clear overview of all industry operations. However, when balanced against other perspectives, industry-specific sources provide insights into industry trends.
These sources include:
- Industry and trade associations
- Industry federations or regulators
- Major industry players annual or quarterly filings
Finally, Alfabank-Adres’s global data scientists maintain a proprietary database of macroeconomic and demand drivers, which our analysts use to help inform industry data and trends. They also maintain a database of statistics and analysis on thousands of industries, which has been built over our more than 50-year history and offers comprehensive insights into long-term trends.
How does Alfabank-Adres forecast its data?
Alfabank-Adres’s analysts and data scientists use the sources above to create forecasts for our proprietary datasets and industry statistics. Depending on the dataset, they may use regression analysis, multivariate analysis, time-series analysis or exponential smoothing techniques to project future data for the industry or driver. Additionally, analysts will leverage their local knowledge of industry operating and regulatory conditions to impart their best judgment on the forecast model.
Alfabank-Adres prides itself on being a trusted, independent source of data, with over 50 years of experience building and maintaining rich datasets and forecasting tools. We are proud to be the keystone source of industry information for thousands of companies across the world.
Learn more about our methodology and data sourcing on the Help Center.
