Industry Statistics and Trends
Market size and recent performance (2015-2030)
Industry revenue has grown at a CAGR of 4.1 % over the past five years, to reach an estimated €37.3bn in 2025.
Trends and Insights
The cooperative banks form one of the three pillars of the German banking system
- The cooperative banks are one of the three central pillars of the German banking sector and therefore play an indispensable role in the national financial architecture. Together with the public banking sector (IBISWorld sector reports K64.19bEN and K64.19fEN) as well as the private banking sector and foreign banks (IBISWorld sector reports K64.19aEN and K64.19dEN), they form the foundation of the credit supply for private households and small to medium-sized enterprises. Compared to the other pillars, cooperative banks have the second-highest market share in terms of the volume of deposits from private households, which underlines their relevance as an anchor of stability.
- Additional trends and insights available with purchase
Source: IBISWorld
Industry outlook (2025-2030)
Market size is projected to decline over the next five years.
Trends and Insights
Cooperative banks focus on digitalisation and cooperation
- The financial sector in Germany is expected to undergo profound change over the next five years. According to management consultants Oliver Wyman, the number of credit institutions, which currently number over 2,000, will fall significantly by 2030, as consolidation, digitalisation and increasing competitive pressure will have a major impact on the sector. The traditional three-pillar system of savings banks, cooperative banks and private credit banks, which has long ensured regional supply and support for SMEs, is facing fundamental change.
Biggest companies in the Cooperatives in Germany
| Company | Market Share (%)
2025 | Revenue (€m)
2025 |
|---|---|---|
DZ Bank AG Deutsche Zentral-Genossenschaftsbank, Frankfurt am Main | 15,459.5 | |
Berliner Volksbank eG | 708.5 | |
Frankfurter Volksbank Rhein-Main eG | 514.3 |
To view the market share and analysis for all 6 top companies in this industry, view purchase options.
Products & Services Segmentation
Source: IBISWorld
Industry revenue is measured across several distinct product and services lines, including Private household loans for residential construction, Corporate loans for residential construction and Long-term corporate loans. Private household loans for residential construction is the largest segment of the Cooperatives in Germany.
Trends and Insights
Private household loans for residential construction are particularly in demand in rural areas
- Loans for residential construction have a long term and are used for the purchase of flats or the construction of residential buildings.
- More insights available in the full report
Table of Contents
About this industry
Industry definition
The cooperative banks include the regional and specialised associations of the National Association of German Cooperative Banks. They accept savings deposits from their members and grant loans to them. However, membership is no longer a prerequisite for doing business with a cooperative bank. The companies in the sector are almost exclusively run as cooperatives.
What's included in this industry?
Products and services covered in the Cooperatives industry in Germany include Private household loans for residential construction, Corporate loans for residential construction, Long-term corporate loans and Short and medium-term corporate loans.Companies
Companies covered in the Cooperatives industry in Germany include DZ Bank AG Deutsche Zentral-Genossenschaftsbank, Frankfurt am Main, Berliner Volksbank eG and Frankfurter Volksbank Rhein-Main eG.Purchase this report to view all 6 major companies in this industry.
Related Terms
Related terms covered in the Cooperatives industry in Germany include fintech, crypto currency, artificial intelligence, near field communication (nfc), non-performing loan, primary bank, bridging loan, universal bank, small saver and vr-sisy branch.Industry Code
WZ 64.19.3 - Cooperatives in Germany
Performance
Get an indication of the industry's health through historical, current and forward-looking trends in the performance indicators that make or break businesses.
Analyst insights
Since the rise in interest rates, home loan and savings contracts have become more attractive to customers again. As brokers of home loan and savings contracts, cooperative b...
In this chapter (4)
- Current Performance
- Outlook
- Volatility
- Life Cycle
Key metrics
- Annual Revenue, Recent Growth, Forecast, Revenue Volatility
- Number of Employees, Recent Growth, Forecast, Employees per Business, Revenue per Employee
- Number of Businesses, Recent Growth, Forecast, Employees per Business, Revenue per Business
- Total Profit, Profit Margin, Profit per Business
Charts
- Revenue, including historical (2015-2024) and forecast (2025-2030)
- Employees, including historical (2015-2024) and forecast (2025-2030)
- Businesses, including historical (2015-2024) and forecast (2025-2030)
- Profit, including historical (2015-2025)
- Industry Volatility vs. Revenue Growth
- Industry Life Cycle
Detailed analysis
- Trends in supply, demand and current events that are driving current industry performance
- Expected trends, economic factors and ongoing events that drive the industry's outlook
- Key success factors for businesses to overcome volatility
- How contribution to GDP, industry saturation, innovation, consolidation, and technology and systems influence the industry's life cycle phase.
Products and Markets
Learn about an industry's products and services, markets and trends in international trade.
Analyst insight
The cooperative banks' most important product group is private household loans for residential construction. The low interest rate recently led to a construction boom for sin...
In this chapter
- Products & Services
- Major Markets
Key metrics
- Largest market segment and value in 2025
- Product innovation level
Charts
- Products & services segmentation in 2025
- Major market segmentation in 2025
Detailed analysis
- Trends impacting the recent performance of the industry's various segments
- Innovations in the industry's product or service offering, specialization or delivery method
- Key factors that successful businesses consider in their offerings
- Buying segments and key trends influencing demand for industry products and services
Geographic Breakdown
Discover where business activity is most concentrated in an industry and the factors driving these trends to find opportunities and conduct regional benchmarking.
Analyst insights
In an interregional comparison, Baden-Württemberg and Bavaria are home to the most branches of cooperative banks. The reason for this is the relatively high household income ...
In this chapter (1)
- Business Locations
Charts
- Share of revenue, establishment, wages and employment in each region
- Share of population compared to establishments in each region in 2025
Tables
- Number and share of establishments in each region in 2025
- Number and share of revenue each region accounts for in 2025
- Number and share of wages each region accounts for in 2025
- Number and share of employees in each region in 2025
Detailed analysis
- Geographic spread of the industry across Europe, and trends associated with changes in the business landscape
- Key success factors for businesses to use location to their advantage
Competitive Forces
Get data and insights on what's driving competition in an industry and the challenges industry operators and new entrants may face, with analysis built around Porter's Five Forces framework.
Analyst insights
There is strong competition in the cooperative banking sector. As many banks offer the same financial products, credit institutions largely compete with each other on fees an...
In this chapter (4)
- Concentration
- Barriers to Entry
- Substitutes
- Buyer & Supplier Analysis
Key metrics
- Industry concentration level
- Industry competition level and trend
- Barriers to entry level and trend
- Substitutes level and trend
- Buyer power level and trend
- Supplier power level and trend
Charts
- Market share concentration among the top 4 suppliers from 2020-2025
- Supply chain including upstream supplying industries and downstream buying industries, flow chart
Detailed analysis
- Factors impacting the industry’s level of concentration, such as business distribution, new entrants, or merger and acquisition activity.
- Key success factors for businesses to manage the competitive environment of the industry.
- Challenges that potential industry entrants face such as legal, start-up costs, differentiation, labor/capital intensity and capital expenses.
- Key success factors for potential entrants to overcome barriers to entry.
- Competitive threats from potential substitutes for the industry’s own products and services.
- Key success factors for how successful businesses can compete with substitutes.
- Advantages that buyers have to keep favorable purchasing conditions.
- Advantages that suppliers have to maintain favorable selling conditions.
- Key success factors for how businesses can navigate buyer and supplier power.
Companies
Learn about the performance of the top companies in the industry.
Analyst insights
DZ Bank AG Deutsche Zentral-Genossenschaftsbank has the highest market share in the cooperative banking sector. It is the central bank and central institution of around 800 c...
In this chapter
- Market Share Concentration
- Companies
- Company Spotlights
Charts
- Industry market share by company in 2021 through 2025
- Major companies in the industry, including market share, revenue, profit and profit margin in 2025
- Overview of DZ Bank AG Deutsche Zentral-Genossenschaftsbank, Frankfurt am Main's performance by revenue, market share and profit margin from 2019 through 2025
- Overview of Berliner Volksbank eG's performance by revenue, market share and profit margin from 2019 through 2025
- Overview of Frankfurter Volksbank Rhein-Main eG's performance by revenue, market share and profit margin from 2019 through 2025
- Overview of revenue, market share and profit margin trend for 3 additional companies
Detailed analysis
- Description and key data for DZ Bank AG Deutsche Zentral-Genossenschaftsbank, Frankfurt am Main, and factors influencing its performance in the industry
- Description and key data for Berliner Volksbank eG, and factors influencing its performance in the industry
- Description and key data for Frankfurter Volksbank Rhein-Main eG, and factors influencing its performance in the industry
- Description, key data and performance trends for 3 additional companies
External Environment
Understand the demographic, economic and regulatory factors that shape how businesses in an industry perform.
Analyst insights
The development of the business climate provides information about the demand for loans. If the business climate improves, companies are usually more willing to invest, which...
In this chapter
- External Drivers
- Regulation & Policy
- Assistance
Key metrics
- Regulation & policy level and trend
- Assistance level and trend
Charts
- Regulation & Policy historical data and forecast (2015-2030)
- Assistance historical data and forecast (2015-2030)
Detailed analysis
- Demographic and macroeconomic factors influencing the industry, including Regulation & Policy and Assistance
- Major types of regulations, regulatory bodies, industry standards or specific regulations impacting requirements for industry operators
- Key governmental and non-governmental groups or policies that may provide some relief for industry operators.
Financial Benchmarks
View average costs for industry operators and compare financial data against an industry's financial benchmarks over time.
Analyst insights
The interest rate hike has increased the profitability of the cooperative banks. Previously, there was a high demand for loans, but the low interest rate reduced the interest...
In this chapter
- Cost Structure
- Financial Ratios
- Key Ratios
Key metrics
- Profit margin, and how it compares to the sector-wide margin
- Average wages, and how it compares to the sector-wide average wage
- Largest cost component as a percentage of revenue
- Industry average ratios for days' receivables, industry coverage and debt-to-net-worth ratio
Charts
- Average industry operating costs as a share of revenue, including purchases, wages, depreciation, utilities, rent, other costs and profit in 2025
- Average sector operating costs as a share of revenue, including purchases, wages, depreciation, utilities, rent, other costs and profit in 2025
- Investment vs. share of economy
Data tables
- Cash Flow & Debt Service Ratios (2015-2030)
- Revenue per Employee (2015-2030)
- Revenue per Enterprise (2015-2030)
- Employees per Establishment (2015-2030)
- Employees per Enterprise (2015-2030)
- Average Wage (2015-2030)
- Wages/Revenue (2015-2030)
- Establishments per Enterprise (2015-2030)
- IVA/Revenue (2015-2030)
- Imports/Demand (2015-2030)
- Exports/Revenue (2015-2030)
Detailed analysis
- Trends in the cost component for industry operators and their impact on industry costs and profitability
Key Statistics
Industry Data
Data Tables
Including values and annual change:
- Revenue (2015-2030)
- IVA (2015-2030)
- Establishments (2015-2030)
- Enterprises (2015-2030)
- Employment (2015-2030)
- Exports (2015-2030)
- Imports (2015-2030)
- Wages (2015-2030)
Top Questions Answered
Unlock comprehensive answers and precise data upon purchase. View purchase options.
What is the market size of the Cooperatives industry in Germany in 2025?
The market size of the Cooperatives industry in Germany is €37.3bn in 2025.
How many businesses are there in the Cooperatives industry in Germany in 2025?
There are 679 businesses in the Cooperatives industry in Germany, which has declined at a CAGR of 3.6 % between 2020 and 2025.
How may import tariffs affect the Cooperatives industry in Germany?
The Cooperatives industry in Germany is unlikely to be materially impacted by import tariffs with imports accounting for a low share of industry revenue.
How may export tariffs affect the Cooperatives industry in Germany?
The Cooperatives industry in Germany is unlikely to be materially impacted by export tariffs with exports accounting for a low share of industry revenue.
Has the Cooperatives industry in Germany grown or declined over the past 5 years?
The market size of the Cooperatives industry in Germany has been growing at a CAGR of 4.1 % between 2020 and 2025.
What is the forecast growth of the Cooperatives industry in Germany over the next 5 years?
Over the next five years, the Cooperatives industry in Germany is expected to decline.
What are the biggest companies in the Cooperatives industry in Germany?
The biggest companies operating in the Cooperatives industry in Germany are DZ Bank AG Deutsche Zentral-Genossenschaftsbank, Frankfurt am Main, Berliner Volksbank eG and Frankfurter Volksbank Rhein-Main eG
What does the Cooperatives industry in Germany include?
Private household loans for residential construction and Corporate loans for residential construction are part of the Cooperatives industry in Germany.
Which companies have the highest market share in the Cooperatives industry in Germany?
The company holding the most market share in the Cooperatives industry in Germany is DZ Bank AG Deutsche Zentral-Genossenschaftsbank, Frankfurt am Main.
How competitive is the Cooperatives industry in Germany?
The level of competition is high and increasing in the Cooperatives industry in Germany.
Methodology
How are IBISWorld reports created?
IBISWorld has been a leading provider of trusted industry research for over 50 years to the most successful companies worldwide. With offices in Australia, the United States, the United Kingdom, Germany and China, we are proud to have local teams of analysts that conduct research, data analysis and forecasting to produce data-driven industry reports.
Our analysts start with official, verified and publicly available sources of data to build the most accurate picture of each industry. Analysts then leverage their expertise and knowledge of the local markets to synthesize trends into digestible content for IBISWorld readers. Finally, each report is reviewed by one of IBISWorld’s editors, who provide quality assurance to ensure accuracy and readability.
IBISWorld relies on human-verified data and human-written analysis to compile each standard industry report. We do not use generative AI tools to write insights, although members can choose to leverage AI-based tools within the platform to generate additional analysis formats.
What data sources do IBISWorld analysts use?
Each industry report incorporates data and research from government databases, industry-specific sources, industry contacts, and our own proprietary database of statistics and analysis to provide balanced, independent and accurate insights.
Key data sources in Germany include:
- German Federal Statistics Office (Destatis)
- European Statistics Office (Eurostat)
- United Nations Comtrade
Analysts also use industry specific sources to complement catch-all sources, although their perspective may focus on a particular organization or representative body, rather than a clear overview of all industry operations. However, when balanced against other perspectives, industry-specific sources provide insights into industry trends.
These sources include:
- Industry and trade associations
- Industry federations or regulators
- Major industry players annual or quarterly filings
Finally, IBISWorld’s global data scientists maintain a proprietary database of macroeconomic and demand drivers, which our analysts use to help inform industry data and trends. They also maintain a database of statistics and analysis on thousands of industries, which has been built over our more than 50-year history and offers comprehensive insights into long-term trends.
How does IBISWorld forecast its data?
IBISWorld’s analysts and data scientists use the sources above to create forecasts for our proprietary datasets and industry statistics. Depending on the dataset, they may use regression analysis, multivariate analysis, time-series analysis or exponential smoothing techniques to project future data for the industry or driver. Additionally, analysts will leverage their local knowledge of industry operating and regulatory conditions to impart their best judgment on the forecast model.
IBISWorld prides itself on being a trusted, independent source of data, with over 50 years of experience building and maintaining rich datasets and forecasting tools. We are proud to be the keystone source of industry information for thousands of companies across the world.
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