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Commercial Banks in Germany Industry Data and Analysis
The development of credit banks in Germany over the last five years has been strongly influenced by several factors, including the transition from a prolonged period of low interest rates to significantly higher interest rates, the COVID-19 pandemic, the war in Ukraine and the recession of recent years. Industry turnover, which is made up of the interest and commission income of credit banks, has risen by an average of 19.6% per year since 2020. The strong increase in the last five years can be attributed to the following reason: For a long time, banks did not generate significantly higher income as the European Central Bank's (ECB) key interest rate remained at 0% for a long period of time. Only the significant increase in the key interest rate to combat inflation revitalised the traditional interest margin business. This then led to significantly rising growth rates in earnings. However, IBISWorld expects the positive sales trend to weaken in 2025, even if the higher base rate level, which improves interest income, is still clearly noticeable. Industry turnover is expected to increase by 3% year-on-year to 202.4 billion euros.
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What's included in this industry analysis
IBISWorld's research coverage on the Commercial Banks industry in Germany includes market sizing, forecasting, data and analysis from 2015-2030. The most recent publication was released November 2025.
About this industry
What's this industry report about?
The Commercial Banks industry in Germany operates under the WZ industry code K64.19aDE. 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. Related terms covered in the Commercial Banks industry in Germany include fintech, digital banking and blockchain.
What's included in this industry?
Products and services covered in Commercial Banks industry in Germany include Housing loans for private households, Short and medium-term corporate loans and Long-term corporate loans.
What companies are included in this industry?
Companies covered in the Commercial Banks industry in Germany include Deutsche Bank AG and UniCredit Bank AG.
Performance
What's included in the Performance chapter?
The Performance chapter covers detailed analysis, datasets, detailed current performance, sources of volatility and an outlook with forecasts for the Commercial Banks industry in Germany.
Questions answered in this chapter include what's driving current industry performance, what influences industry volatility, how do successful businesses overcome volatility, what's driving the industry outlook. This analysis is supported with data and statistics on industry revenues, costs, profits, businesses and employees.
Products & Markets
What's included in the Products and Markets chapter?
The Products and Markets chapter covers detailed products and service segmentation and analysis of major markets for the for the Commercial Banks industry in Germany.
Questions answered in this chapter include how are the industry's products and services performing, what are innovations in industry products and services, what products or services do successful businesses offer and what's influencing demand from the industry's markets. This includes data and statistics on industry revenues by product and service segmentation and major markets.
Geographic Breakdown
What's included in the Geographic Breakdown chapter?
The Geographic Breakdown chapter covers detailed analysis and datasets on regional performance of the Commercial Banks industry in Germany.
Questions answered in this chapter include where are industry businesses located and how do businesses use location to their advantage. This includes data and statistics on industry revenues by location.
Competitive Forces
What's included in the Competitive Forces chapter?
The Competitive Forces chapter covers the concentration, barriers to entry and supplier and buyer profiles in the Commercial Banks industry in Germany. This includes data and statistics on industry market share concentration, barriers to entry, substitute products and buyer & supplier power.
Questions answered in this chapter include what impacts the industry's market share concentration, how do successful businesses handle concentration, what challenges do potential industry entrants face, how can potential entrants overcome barriers to entry, what are substitutes for industry services, how do successful businesses compete with substitutes and what power do buyers and suppliers have over the industry and how do successful businesses manage buyer & supplier power.
Companies
What's included in the Companies chapter?
The Companies chapter covers Key Takeaways, Market Share and Companies in the Commercial Banks industry in Germany. This includes data and analysis on companies operating in the industry that hold a market share greater than 5%.
Questions answered in this chapter include what companies have a meaningful market share and how each company is performing.
External Environment
What's included in the External Environment chapter?
The External Environment chapter covers Key Takeaways, External Drivers, Regulation & Policy and Assistance in the Commercial Banks industry in Germany. This includes data and statistics on factors impacting industry revenue such as economic indicators, regulation, policy and assistance programs.
Questions answered in this chapter include what demographic and macroeconomic factors impact the industry, what regulations impact the industry, what assistance is available to this industry.
Financial Benchmarks
What's included in the Financial Benchmarks chapter?
The Financial Benchmarks chapter covers Key Takeaways, Cost Structure, Financial Ratios, Valuation Multiples and Key Ratios in the Commercial Banks industry in Germany. This includes financial data and statistics on industry performance including key cost inputs, profitability, key financial ratios and enterprise value multiples.
Questions answered in this chapter include what trends impact industry costs and how financial ratios have changed overtime.
Industry Data
What's included in the Industry Data chapter?
The Industry Data chapter includes 10 years of historical data with 5 years of forecast data covering statistics like revenue, industry value add, establishments, enterprises, employment and wages in the Commercial Banks industry in Germany.
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Frequently Asked Questions
What is the market size of the Commercial Banks industry in Germany in 2026?
The market size of the Commercial Banks industry in Germany is €202.4bn in 2026.
How many businesses are there in the Commercial Banks industry in Germany in 2025?
There are 144 businesses in the Commercial Banks industry in Germany, which has declined at a CAGR of 2.6 % between 2020 and 2025.
How may import tariffs affect the Commercial Banks industry in Germany?
The Commercial Banks industry in Germany is unlikely to be materially impacted by import tariffs with imports accounting for a low share of industry revenue.
How may export tariffs affect the Commercial Banks industry in Germany?
The Commercial Banks industry in Germany is unlikely to be materially impacted by export tariffs with exports accounting for a low share of industry revenue.
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 19.6 % between 2020 and 2025.
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 industry in Germany?
The biggest companies operating in the Commercial Banks industry in Germany are Deutsche Bank AG and UniCredit Bank AG
What does the Commercial Banks industry in Germany include?
Housing loans for private households and Short and medium-term corporate loans are part of the Commercial Banks industry in Germany.
Which companies have the highest market share in the Commercial Banks industry in Germany?
The company holding the most market share in the Commercial Banks industry 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.
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