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Gilquin, Guillaume
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[Journal:] Wirtschaftsdienst [ISSN:] 1613-978X [Publisher:] Springer [Place:] Heidelberg [Volume:] 94 [Year:] 2014 [Issue:] 6 [Pages:] 420-427
Trotz eines Konsolidierungsprozesses ist die Bankendichte in Deutschland hoch. Mitte der 2000er Jahre suchten die deutschen Banken nach Renditen im Ausland und waren daher von der Finanzkrise stärker als Banken anderer Euroländer betroffen. Die Europäische Kommission forderte daraufhin vor allem eine starke Reduzierung der Bilanzsummen der vom Staat gestützten Banken. Seit 2010 erzielt der deutsche Bankensektor wieder Gewinne und erscheint dank der Erhöhung des Eigenkapitals und dem Abbau der Bilanzen deutlich robuster. Allerdings weist der Sektor immer noch einen hohen Verschuldungsgrad auf.
Abstract (Translated): 
Although Germany's banking sector has experienced a wave of consolidation, especially since the financial crisis, the country is still home to a high number of banking institutions. When domestic economic activity was sluggish in the mid-2000s, German banks searched for sources of income abroad; some of them have massively invested in structured products. As a consequence, the financial crisis of 2007-2009 has hit German banks harder than those from other eurozone countries. The European Commission has played a key role in restructuring the sector, asking in particular that banks which have received state aid strongly reduce their balance sheets - and ordering the liquidation of one of them. Since 2010 the German banking sector has returned to the profit zone and appears more robust thanks to an increase of equity and a reduction of balance sheets. The leverage ratio remains nevertheless significant, profitability remains low in a context of strong competition on the domestic market, and some banks fi nd themselves deeply affected by the crisis of the shipping sector.
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