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Company Insights
Innovation and Patenting activity of Sparkassen Immobilien AG Q4 2023
GlobalData, the industry analysis specialist, has released its latest company patent databook "Innovation and Patenting activity of Sparkassen Immobilien AG Q4 2023". The databook highlights patenting activity of the company in terms of growth in filings and grants, regions protected, impact of various themes, sector applicability of technologies protected. It provides contextual analysis of technical peers, their strategy, dominance (Grant share) and their recent activities. This is an on-demand databook that will be delivered upon request. The report will be...
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Analyst Opinions
Europe Regional Retail Banking Analysis by Consumer Credit, Retail Deposits and Residential Mortgages
Europe Regional Retail Banking Report Overview The low interest rate environment in Europe has kept net interest margins low. However, monetary policy tightening will have likely put an end to this prolonged period, as banks will now be more able to create a spread between deposit and lending rates. The European Central Bank’s (ECB) projections of the average annual inflation rate suggest that inflation will subside in 2023 but will remain above the 2% target rate until the second half...
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Analyst Opinions
Germany Retail Banking – Competitor Benchmarking, 2021-2025
Most German banks have shown an increase in their TDAs between 2019 and 2020. Among them, Deutsche Bank and Sparkassen showed the most significant gains. The German banking sector has been broadly resilient with strong equity buffers and multi-pronged borrower support policies. Most banks are expected to absorb the shock to their capital ratios. In terms of retail deposit market shares, all banks, except for Sparkassen, have made meaningful gains since 2010. The Germany retail banking competitor benchmarking report analyzes...
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Analyst Opinions
Germany Retail Banking Country Report
The outstanding balances of personal loans in Germany was valued at 453,074 LCU million in 2020. The personal loans market is projected to grow at a CAGR of more than 0.5% during the period 2021-2025. The segments in the retail banking market in Germany include residential mortgages, retail deposits, credit cards, and personal loans. The German property market is expected to grow during 2020-2025 at a CAGR of more than 5% and credit cards at a CAGR of more than...
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Sector Analysis
Payments in Germany 2017: What Consumers Want
"Payments in Germany 2017: What Consumers Want", report examines the consumer payments market in Germany, considering payment cards, online payments, P2P payments, and newer payment technologies such as mobile wallets and contactless. The report also examines the main regulatory players overseeing the market. Germany has a strong economy and high levels of financial inclusion, despite German consumers having a strong inclination towards cash for the majority of transactions. The German maxim is “geld stinkt nicht” (literally “money doesn’t stink”) -...
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Sector Analysis
Payments Landscape in Germany: Opportunities and Risks to 2021
GlobalData’s "Payments Landscape in Germany: Opportunities and Risks to 2021", report provides detailed analysis of market trends in the German cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including credit transfers, direct debit, cash, payment cards, and cheques during the review-period (2013-17e). The report also analyzes various payment card markets operating in the industry, and provides detailed information on the number of cards in circulation, transaction values and volumes...
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Sector Analysis
Retail Banking Market Dynamics: Germany 2018
"Retail Banking Market Dynamics: Germany 2018", report identifies macroeconomic and competitive dynamics that impact upon the German retail banking market. It provides insight into the outlook for deposits, credit cards, personal loans, and mortgages; net changes in market share across all four product areas; and overall financial performance, including profitability, efficiency, and income sources. The retail mortgage and deposits markets in Germany reported strong growth during 2013-17, but they are expected to decelerate in the next five years. The personal...
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Analyst Opinions
Retail Banking Country Snapshot: Germany 2016
Local and co-operative banks, such as the Sparkassen and Volksbanken Raiffeisenbanken, dominate the retail banking market in Germany, with private commercial banks having a much smaller presence. Consumers strongly favor providers with good reputations, and personal recommendations are particularly important to younger age groups. Branches remain the most used acquisition channel across all products, although satisfaction levels for ongoing interactions are higher for digital than human channels.
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Company Insights
Alternative Payment Solution: Giropay
Giropay is an online credit transfer-based payment method. Founded in 2005, it allows online shoppers to make payments directly from their bank accounts. It is supported by more than 1,500 banks and boasts a potential user base of over 35 million online banking customers in Germany. Giropay payments are popular among retailers; they are guaranteed by the buyer’s bank, meaning they cannot be reversed. The payment method is gaining traction among airlines, with companies such as Deutsche Lufthansa, Singapore Airlines,...
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Sector Analysis
Germany Retail Banking: Opportunities and Risks to 2023
Germany’s total loan balances outstanding (including credit card, personal loan, and residential mortgage balances outstanding) recorded a compound annual growth rate (CAGR) of 3.1% during the review period (2014-18) to reach €1.7tn ($1.9tn). The burden of household debt to GDP growth is lower than other developed nations around the world, as German consumers are more averse to debt and have a higher savings ratio. The German economy is characterized by income and employment growth that has provided a boost in...