The German Banking System: Characteristics and Challenges

White Paper No. 32

Patrick Behr,
Reinhard H. Schmidt
Research Area:
Financial Intermediation
Dec 2015
banks, government, regulation

This Paper gives an overview of the German banking system and current challenges it is facing. It starts with an overview of the so-called ‘Three-Pillar-Banking-System’ and a detailed description of the current structure of the banking system in Germany. A brief comparison of the banking system in Germany with the ones in other European countries points out its uniqueness. The consequences of the financial crisis of 2007/2008 and further challenges for the German banking system are discussed, as well as the the ongoing debate around the question whether the strong government involvement should be sustained.

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