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Deutscher Bankensektor im Umbruch: Sparkassen und Genossenschaftsbanken relativ gut positioniert

Listed author(s):
  • Hella Engerer
  • Mechthild Schrooten

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.

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Article provided by DIW Berlin, German Institute for Economic Research in its journal Wochenbericht.

Volume (Year): 71 (2004)
Issue (Month): 24 ()
Pages: 345-349

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Handle: RePEc:diw:diwwob:71-240-1
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