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Deutscher Bankensektor im Umbruch: Sparkassen und Genossenschaftsbanken relativ gut positioniert

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  • Hella Engerer
  • Mechthild Schrooten

Abstract

Das deutsche Bankensystem befindet sich seit Jahren in einer schwierigen Ertragslage, sichtbar in einer im internationalen Vergleich geringen Rendite. Bereits in der Vergangenheit wurde darauf mit Personalabbau, Fusionen und Schließung von Bankstellen reagiert; in Zeiten konjunktureller Schwäche werden Ertragsprobleme mit besonderer Schärfe sichtbar. In Deutschland haben öffentlich-rechtliche Kreditinstitute mit einem Anteil von etwa 40 % an der gesamten Bilanzsumme des Bankensektors ein hohes Gewicht. Zwischen den einzelnen Säulen des deutschen Bankensystems - privaten Banken, öffentlich-rechtlichen Kreditinstituten und Genossenschaftsbanken - können keine Fusionen stattfinden. Die Analyse des Dreisäulensystems zeigt, dass im Durchschnitt der letzten zehn Jahre die Sparkassen und Genossenschaftsbanken relativ hohe Renditen erwirtschaften konnten.

Suggested Citation

  • Hella Engerer & Mechthild Schrooten, 2004. "Deutscher Bankensektor im Umbruch: Sparkassen und Genossenschaftsbanken relativ gut positioniert," DIW Wochenbericht, DIW Berlin, German Institute for Economic Research, vol. 71(24), pages 345-349.
  • Handle: RePEc:diw:diwwob:71-240-1
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    Cited by:

    1. Eim, Alexander, 2004. "Das Drei-Säulen-System der deutschen Kreditwirtschaft unter besonderer Berücksichtigung des Genossenschaftlichen Finanzverbundes," Arbeitspapiere 40, University of Münster, Institute for Cooperatives.
    2. Höwer, Daniel, 2016. "The role of bank relationships when firms are financially distressed," Journal of Banking & Finance, Elsevier, vol. 65(C), pages 59-75.
    3. Höwer, Daniel, 2009. "From soft and hard-nosed bankers: bank lending strategies and the survival of financially distressed firms," ZEW Discussion Papers 09-059, ZEW - Leibniz Centre for European Economic Research.
    4. Höwer, Daniel, 2013. "Corporate main bank decision," ZEW Discussion Papers 13-018, ZEW - Leibniz Centre for European Economic Research.
    5. Hoewer, Daniel & Schmidt, Tobias & Sofka, Wolfgang, 2011. "An information economics perspective on main bank relationships and firm R&D," ZEW Discussion Papers 11-055, ZEW - Leibniz Centre for European Economic Research.

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