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Der osteuropäische Markt: Chance und Herausforderung für Finanzdienstleister

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  • Ansgar Belke
  • Andreas Schaal

Abstract

The Central and Eastern European banking and insurance market was able to realize significant growth rates after the fall of the iron curtain due to the undersupply of the citizens with financial services. However the banking and insurance sector in the Central and Eastern European countries (CEEC) is still at an immature stage and can be characterized as an "Emerging Market". This contribution provides a detailed analysis of the Central and Eastern European banking and insurance market and derives future developments that are crucial for Eastern European financial service providers. With respect to the banking sector the survey includes the analysis of the current market structure, the development of total assets, the deposit and credit business and the development of the banking profitability. The insurance sector is analyzed with respect to the current market structure, the development of the total market and the development of the life and non-life business. Based on the analysis of the banking and insurance sector, this contribution reveals current and future opportunities and threats for the financial service providers in Eastern Europe. Der mittel- und osteuropäische Banken- und Versicherungsmarkt konnte nach dem Fall des Eisernen Vorhangs hohe Zuwächse verzeichnen. Dennoch kann sowohl der Banken- als auch der Versicherungssektor in den mittel- und osteuropäischen Ländern (MOEL) nach wie vor als ein "Emerging Market" charakterisiert werden. Die vorliegende Studie analysiert die aktuelle Lage des mittel- und osteuropäischen Banken- und Versicherungsmarktes eingehend und leitet Entwicklungsperspektiven ab. In Bezug auf den Bankenmarkt erstreckt sich die Untersuchung dabei auf die aktuelle Marktstruktur, auf die Entwicklung der Bilanzsumme, des Einlagen- und Kreditgeschäfts sowie auf die Entwicklung der Bankenprofitabilität in Mittel- und Osteuropa. Der Versicherungsmarkt wird hinsichtlich der Marktstruktur, der Entwicklung des Prämienaufkommens sowie der Entwicklung der beiden Teilsegmente Leben- und Nichtlebenbereich betrachtet. Ausgehend von der Analyse des Bankenund Versicherungsmarktes zeigt der Beitrag die Chancen für ein (weiteres) Engagement der Finanzdienstleister in Mittel- und Osteuropa auf und stellt diese den aktuellen und zukünftigen Herausforderungen gegenüber.

Suggested Citation

  • Ansgar Belke & Andreas Schaal, 2005. "Der osteuropäische Markt: Chance und Herausforderung für Finanzdienstleister," Vierteljahrshefte zur Wirtschaftsforschung / Quarterly Journal of Economic Research, DIW Berlin, German Institute for Economic Research, vol. 74(4), pages 92-111.
  • Handle: RePEc:diw:diwvjh:74-4-7
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