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Is Germany overbanked? - Market structure and competition (Paperback)
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Is Germany overbanked? - Market structure and competition (Paperback)
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Seminar paper from the year 2006 in the subject Business economics
- Investment and Finance, grade: 1,3, European Business School -
International University Schloss Reichartshausen Oestrich-Winkel,
course: Seminar Retail Banking, 52 entries in the bibliography,
language: English, comment: The paper aims to answer the question
whether Germany is overbanked. It describes the German banking
system and structure in detail and researches reasons for the weak
profitability of the sector., abstract: German banks have come
under pressure for their disappointing profitability. Indeed,
rankings of developed nations along profitability indicators place
Germany at the end of the scale. Critics attribute that situation
mainly to the German banking system being overbanked and
overbranched. The purpose of this paper is to analyze that notion
and to examine the German market and competitive landscape of the
retail banking industry. The analysis contains four sections. The
first section compares profitability ratios and indicators of
German banks to their peers' performances. The study produces
surprising results. Despite the ostensibly high branch density,
Germany's banks operate very cost efficiently. Yet it is their
inability to generate sufficient income that results in the
sluggish net earnings. Consequently, in the second section, the
authors examine the German banking system and portray and compare
its peculiarities in order to find out if the income problems are
inherent to the system. More than in any other country, public
banks dominate the market and, together with the cooperative banks,
do not follow the economic principle of profit maximization.
Moreover, the public banks have also received unjust government
subsidies in the form of the maintenance and guarantee obligations.
Thus, one presumes that private German banks operate in a very
difficult system. The third section then takes a closer look at the
market and analyzes the bank density, branch density and comp
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