The German bank landscape is divided into three sectors: private, public and genossenschaftliche banks (three-column system). Contrary to the private business banks, the maximization of profit is not the center of attention with the public and genossenschaftlichen banks. From this a strong competition pressure results to small prices for bank services in Germany also in the international comparison.

Three-column system

Private business banks

To the private business banks belong:

• the four German large/universal banks (Deutsche Bank, Commerzbank, HypoVereinsbank, Dresdner bank)
• the postal bank as the largest German Retail bank
• scarcely 200 smaller private banks, which are specialized in certain Kundensegmente regionally actively or (e.g. Sal. Oppenheim)
• scarcely 100 branches of foreign banks (e.g. ABN AMRO, Citibank, SEB)
• Special institutes (e.g. BHW building society, Eurohypo)

Public credit institutes

To the public credit institutes belong:

• eleven Landesbank (e.g. WestLB)
• approximately 500 savings banks (e.g. Haspa, Fraspa, Naspa)
• Special institutes in the group
  • Fund company (DekaBank)
  • National building societies (LBS)
  • Mortgage banks
  • Leasing company (German leasing)
• Other one (e.g. German credit bank)

Cooperative sector

To the genossenschaftlichen credit institutes belong:

• the two Central Institutes (DZ bank, WGZ bank)
• approximately 1400 people and Raiffeisen banks
• twelve savings since banks
• Savings/loan associations
• Special institutes in the group
  • Fund company (union Investment)
  • Real estate fund company (DIFA)
  • To building society Swabian resound
  • Mortgage banks
  • Leasing company (VR leasing)
• Church banks (e.g. saving and credit bank of the federation of Evangelist-freechurch municipalities)
• Other ones (e.g. official bank, German pharmacist and physician bank)

Beyond that the cooperative sector is involved in the following banks:

• norisbank, Nuremberg
• Travel bank, Frankfurt/Main
• DVB bank, Frankfurt/Main

The 10 largest credit institutes in Germany

Overview of the 10 largest credit institutes in Germany (reference size: Balance sheet total in the company - if available) gives the following table, which orients itself at the list of the magazine the bank:

Source: Website of the magazine the bank - the 100 largest banks in Germany

Former credit institutes in Germany

The today's major banks transferred many smaller banking companies in the course of their history:

• General German Creditanstalt, Leipzig (1856-1980)
• Barmer bank association, Wuppertal Barmen (1867-1932 > Commerzbank)
• Bavarian hypotheken and exchange bank, Munich (1835-2001 > HypoVereinsbank)
• Bavarian association bank, Munich (1869-2001 > HypoVereinsbank)
• Bergisch bank, Wuppertal Elberfeld (1871-1914 > Deutsche Bank)
• and central bank, Berlin/Bremen/Darmstadt (1853-1931 > Dresden bank)
• Disconto society, Berlin (1851-1929 > Deutsche Bank)
• Eschweiler bank, Eschweiler ( > Dresden bank)
• Essener Credit institute, meal (1872-1925 > Deutsche Bank)
• Hessian bank association, Kassel (1908-1923 > Commerzbank)
• Rheinisch soil Credit bank, Cologne (1894-2001 > Rhine soil > general mortgage bank Rhine soil AG)
• Rheini Creditbank, Mannheim (1870-1929 > Deutsche Bank)
• Schlesi bank association, Breslau (1856-1917 > Deutsche Bank)
• Of the Heydt Kersten, Wuppertal Elberfeldt (1754-1980 > Commerzbank)
• association bank, Stuttgart (1869-1924 > Deutsche Bank)

See also

• Kreditinstitut

Literature

• Manfred Pohl: Concentration in the German banking (1848-1980). Publishing house Fritz scarce, Frankfurt/Main 1982.
• Alexander Scheike: "“Legal conditions for the material privatisation of local savings banks. An investigation with special consideration of the legal form of the registered cooperative"”, long Frankfurt 2004, ISBN 3631524706

Related links

• New type character banks - weekly press evaluation over banks in Germany - free of charge order
• those bank.de - the 100 largest banks in Germany. Older Top lists until 1998 likewise there on-line callable.
• The 100 largest German banks 1998 - 2004
• Top 100 German bank 2004.
• Top 100 German banks 2004.

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