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Stabilität und Performance des deutschen Bankensektors

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  • Mechthild Schrooten
  • Rainer Sievert

Abstract

In Germany banks play a major role in finance. In tranquil times the German banking sector was known as stable but low performing in terms of return on equity. Nevertheless, since years huge problems of the state-owned "Landesbanken" have been known. Meanwhile it became clear that single banks have the potential to destabilize the whole sector. Banking crises and the following re-stabilization of banks by state intervention are extremely expensive. Against the background of theoretical considerations here we present some basic indicators which allow us to evaluate the importance of the German banking sector for economic development. In addition, we offer several scenarios on the stability of the German banking sector. The paper closes with a Three-Steps-Agenda for financial stability. In Deutschland spielen Banken bei der Unternehmensfinanzierung eine herausragende Rolle. Vor der internationalen Finanzkrise galt der deutsche Bankensektor als stabil, aber renditeschwach. Vielfach wurde ihm im internationalen, aber auch im europäischen Vergleich eine geringe Performance bescheinigt. Seit langem gelten die Landesbanken als problematisch. Im Zuge der internationalen Finanzkrise wurde klar, dass die Stabilität des gesamten deutschen Bankensystems durch risikoreiche Geschäfte einzelner Kreditinstitute gefährdet werden kann. Vor dem Hintergrund theoretischer Überlegungen analysiert die vorliegende Studie indikatorgestützt Aspekte der Stabilität und Performance, die auch den Beitrag des deutschen Bankensektors zur gesamtwirtschaftlichen Entwicklung empirisch bestimmen lassen. Zum anderen werden Szenarien vorgestellt, die eine Einschätzung des vorhandenen Risikos im Bankensektor ermöglichen sollen. Abschließend wird ein kurzer Drei-Punkte-Plan zur Wiederherstellung der Stabilität des Bankensektors vorgestellt.

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Bibliographic Info

Article provided by DIW Berlin, German Institute for Economic Research in its journal Vierteljahrshefte zur Wirtschaftsforschung.

Volume (Year): 79 (2010)
Issue (Month): 4 ()
Pages: 9-25

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Handle: RePEc:diw:diwvjh:79-4-2

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Keywords: Banks; economic development; financial institutions; banking crisis;

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