Traditional Banks - Germany

  • Germany
  • In Germany, the Traditional Banks market market is expected to witness a significant growth in Net Interest Income, reaching a projected value of US$147.10bn by the year 2024.
  • Among the various segments, Traditional Commercial Banking dominates the market with a projected market volume of US$101.10bn in the same year.
  • Looking ahead, the Net Interest Income is anticipated to exhibit a steady annual growth rate (CAGR 2024-2029) of 4.68%, resulting in a market volume of US$184.90bn by 2029.
  • It is noteworthy to mention that, in a global comparison, in China is expected to generate the highest Net Interest Income, with a staggering amount of US$3,869.0bn in 2024.
  • Germany continues to see a shift towards digital banking, with traditional banks investing heavily in online and mobile banking services to keep up with customer demands.

Key regions: Germany, United Kingdom, France, Japan, China

Region comparison

Analyst Opinion

The Traditional Banks market in Germany has been experiencing significant developments in recent years.

Customer preferences:
Customers in Germany are increasingly valuing personalized services and digital banking solutions. They seek convenience, efficiency, and a seamless omnichannel banking experience. Traditional banks are adapting to these preferences by investing in technology to enhance their online and mobile banking capabilities.

Trends in the market:
One notable trend in the Traditional Banks market in Germany is the consolidation and restructuring of banks to improve cost efficiency and competitiveness. Additionally, there is a growing trend towards sustainable banking practices and ethical investments, driven by increasing environmental and social awareness among consumers.

Local special circumstances:
Germany's strong regulatory environment and emphasis on financial stability have influenced the Traditional Banks market. The presence of established banking players with a long history in the country has created a competitive landscape where innovation and customer-centric strategies are crucial for success.

Underlying macroeconomic factors:
The low interest rate environment in Germany has put pressure on traditional banks' profitability, leading them to explore new revenue streams and cost-cutting measures. Economic uncertainties and changing consumer behaviors, especially in the aftermath of global events, are also shaping the direction of the Traditional Banks market in the country.


Data coverage:

Data encompasses B2B and B2C enterprises. Figures are based on Net Interest Income, Bank Account Penetration rate, the value of Deposits, the number of depositors, the value of Loans, the number of borrowers, Credit Card Interest Income, the number of ATMs as well as the number of Bank Branches.

Modeling approach / Market size:

Market sizes are determined by a combined Top-Down and Bottom-Up approach, based on a specific rationale for each market segment. As a basis for evaluating markets, we use data provided by the IMF, World Bank and the annual reports of the top 1000 Banks by asset size. Next we use relevant key market indicators and data from country-specific associations such as GDP, deposit interest rates, lending interest rates or bank account penetration rates. This data helps us to estimate the market size for each country individually.


In our forecasts, we apply diverse forecasting techniques. The selection of forecasting techniques is based on the behavior of the particular market. For example, the S-curve function and exponential trend smoothing are well suited to forecast financial services for digital as well as traditional products and services.

Additional Notes:

The market is updated twice per year in case market dynamics change.


  • Net Interest Income
  • Analyst Opinion
  • Deposits
  • Loans
  • Credit Card Interest Income
  • ATMs & Bank Branches
  • Methodology
  • Key Market Indicators
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