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Cooperatives in Germany Industry Data and Analysis
The cooperative banks have been facing increasing challenges for the past five years. Although the sector's turnover, which is made up of interest and commission income, has recorded average growth of 4.1% per year since 2020, this growth is highly sensitive to the economy and interest rates. In 2022, the sector benefited in particular from the renewed rise in interest rates, which were raised by the ECB to combat inflation after years of zero or low interest rates. The earnings situation improved significantly as banks were able to push through higher lending rates due to the increase in the base rate. The long phase of extremely low interest rates since 2016 had put banks' margins under severe pressure and made smaller institutions particularly vulnerable, as refinancing costs and credit risks were difficult to control. Although the rise in interest rates led to higher interest income in the short term, it also created new challenges. The volatility of lending rates increased the risk of non-performing loans and made the adjustment of pricing and product strategies a key task for smaller institutions.
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What's included in this industry analysis
IBISWorld's research coverage on the Cooperatives industry in Germany includes market sizing, forecasting, data and analysis from 2015-2030. The most recent publication was released September 2025.
About this industry
What's this industry report about?
The Cooperatives industry in Germany operates under the WZ industry code K64.19cDE. The cooperative banks include the regional and specialised associations of the National Association of German Cooperative Banks. They accept savings deposits from their members and grant loans to them. However, membership is no longer a prerequisite for doing business with a cooperative bank. The companies in the sector are almost exclusively run as cooperatives. Related terms covered in the Cooperatives industry in Germany include fintech, crypto currency, artificial intelligence, near field communication (nfc), non-performing loan, primary bank, bridging loan, universal bank, small saver and vr-sisy branch.
What's included in this industry?
Products and services covered in Cooperatives industry in Germany include Private household loans for residential construction, Corporate loans for residential construction and Long-term corporate loans.
What companies are included in this industry?
Companies covered in the Cooperatives industry in Germany include DZ Bank AG Deutsche Zentral-Genossenschaftsbank, Frankfurt am Main, Berliner Volksbank eG and Frankfurter Volksbank Rhein-Main eG.
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 Cooperatives 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 Cooperatives 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 Cooperatives 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 Cooperatives 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 Cooperatives 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 Cooperatives 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 Cooperatives 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 Cooperatives industry in Germany.
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Frequently Asked Questions
What is the market size of the Cooperatives industry in Germany in 2026?
The market size of the Cooperatives industry in Germany is €37.3bn in 2026.
How many businesses are there in the Cooperatives industry in Germany in 2025?
There are 679 businesses in the Cooperatives industry in Germany, which has declined at a CAGR of 3.6 % between 2020 and 2025.
How may import tariffs affect the Cooperatives industry in Germany?
The Cooperatives 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 Cooperatives industry in Germany?
The Cooperatives industry in Germany is unlikely to be materially impacted by export tariffs with exports accounting for a low share of industry revenue.
Has the Cooperatives industry in Germany grown or declined over the past 5 years?
The market size of the Cooperatives industry in Germany has been growing at a CAGR of 4.1 % between 2020 and 2025.
What is the forecast growth of the Cooperatives industry in Germany over the next 5 years?
Over the next five years, the Cooperatives industry in Germany is expected to decline.
What are the biggest companies in the Cooperatives industry in Germany?
The biggest companies operating in the Cooperatives industry in Germany are DZ Bank AG Deutsche Zentral-Genossenschaftsbank, Frankfurt am Main, Berliner Volksbank eG and Frankfurter Volksbank Rhein-Main eG
What does the Cooperatives industry in Germany include?
Private household loans for residential construction and Corporate loans for residential construction are part of the Cooperatives industry in Germany.
Which companies have the highest market share in the Cooperatives industry in Germany?
The company holding the most market share in the Cooperatives industry in Germany is DZ Bank AG Deutsche Zentral-Genossenschaftsbank, Frankfurt am Main.
How competitive is the Cooperatives industry in Germany?
The level of competition is high and increasing in the Cooperatives industry in Germany.
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