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Mortgage Banks in Germany Industry Data and Analysis
In the last five years, the mortgage lending sector has seen negative growth. During this period, industry turnover fell by an average of 3.8% per year, meaning that it is expected to amount to 6.5 billion euros in 2024. This nevertheless corresponds to an increase of 3.1% compared to the previous year. As in all sectors dedicated to the provision of financial services, industry turnover, which in this sector is made up of interest and commission income, was negatively impacted by the low level of interest rates. However, the mortgage banks were able to hold their own comparatively well on the market thanks to their favourable refinancing options. Thanks to their comparatively low default risk, Pfandbriefe have become increasingly popular with institutional investors such as insurers in recent years.
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What's included in this industry analysis
IBISWorld's research coverage on the Mortgage Banks industry in Germany includes market sizing, forecasting, data and analysis from 2014-2029. The most recent publication was released February 2024.
About this industry
What's this industry report about?
The Mortgage Banks industry in Germany operates under the WZ industry code K64.19dDE. Real estate credit institutions mainly deal with issuing loans that are secured by mortgages. Mortgages on real estate, ships or aeroplanes usually serve as collateral for these so-called real loans. In addition, the institutions in the sector participate in the financing of public authorities by granting municipal loans. Pfandbriefe are usually issued for refinancing purposes. Related terms covered in the Mortgage Banks industry in Germany include deposit bank, bond purchase programme, municipal credit and territorial authority.
What's included in this industry?
Products and services covered in Mortgage Banks industry in Germany include Mortgage Pfandbriefe, Public Pfandbriefe and Ship mortgage bonds.
What companies are included in this industry?
Companies covered in the Mortgage Banks industry in Germany include DZ Hyp AG, Deutsche Pfandbriefbank AG and Aareal Bank AG.
Performance
What's included in the Performance chapter?
The Performance chapter covers detailed analysis, datasets, detailed current performance, sources of volatility and an outlook with forecasts for the Mortgage Banks industry in Germany.
Questions answered in this chapter include what's driving current industry performance, what influences industry volatility, how do successful businesses overcome volatility, what's driving the industry outlook. This analysis is supported with data and statistics on industry revenues, costs, profits, businesses and employees.
Products & Markets
What's included in the Products and Markets chapter?
The Products and Markets chapter covers detailed products and service segmentation and analysis of major markets for the for the Mortgage Banks industry in Germany.
Questions answered in this chapter include how are the industry's products and services performing, what are innovations in industry products and services, what products or services do successful businesses offer and what's influencing demand from the industry's markets. This includes data and statistics on industry revenues by product and service segmentation and major markets.
Geographic Breakdown
What's included in the Geographic Breakdown chapter?
The Geographic Breakdown chapter covers detailed analysis and datasets on regional performance of the Mortgage Banks industry in Germany.
Questions answered in this chapter include where are industry businesses located and how do businesses use location to their advantage. This includes data and statistics on industry revenues by location.
Competitive Forces
What's included in the Competitive Forces chapter?
The Competitive Forces chapter covers the concentration, barriers to entry and supplier and buyer profiles in the Mortgage Banks industry in Germany. This includes data and statistics on industry market share concentration, barriers to entry, substitute products and buyer & supplier power.
Questions answered in this chapter include what impacts the industry's market share concentration, how do successful businesses handle concentration, what challenges do potential industry entrants face, how can potential entrants overcome barriers to entry, what are substitutes for industry services, how do successful businesses compete with substitutes and what power do buyers and suppliers have over the industry and how do successful businesses manage buyer & supplier power.
Companies
What's included in the Companies chapter?
The Companies chapter covers Key Takeaways, Market Share and Companies in the Mortgage Banks industry in Germany. This includes data and analysis on companies operating in the industry that hold a market share greater than 5%.
Questions answered in this chapter include what companies have a meaningful market share and how each company is performing.
External Environment
What's included in the External Environment chapter?
The External Environment chapter covers Key Takeaways, External Drivers, Regulation & Policy and Assistance in the Mortgage Banks industry in Germany. This includes data and statistics on factors impacting industry revenue such as economic indicators, regulation, policy and assistance programs.
Questions answered in this chapter include what demographic and macroeconomic factors impact the industry, what regulations impact the industry, what assistance is available to this industry.
Financial Benchmarks
What's included in the Financial Benchmarks chapter?
The Financial Benchmarks chapter covers Key Takeaways, Cost Structure, Financial Ratios, Valuation Multiples and Key Ratios in the Mortgage Banks industry in Germany. This includes financial data and statistics on industry performance including key cost inputs, profitability, key financial ratios and enterprise value multiples.
Questions answered in this chapter include what trends impact industry costs and how financial ratios have changed overtime.
Industry Data
What's included in the Industry Data chapter?
The Industry Data chapter includes 10 years of historical data with 5 years of forecast data covering statistics like revenue, industry value add, establishments, enterprises, employment and wages in the Mortgage Banks industry in Germany.
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Frequently Asked Questions
What is the market size of the Mortgage Banks industry in Germany in 2026?
The market size of the Mortgage Banks industry in Germany is €6.5bn in 2026.
How many businesses are there in the Mortgage Banks industry in Germany in 2024?
There are 8 businesses in the Mortgage Banks industry in Germany, which has declined at a CAGR of 4.4 % between 2019 and 2024.
How may import tariffs affect the Mortgage Banks industry in Germany?
The Mortgage Banks 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 Mortgage Banks industry in Germany?
The Mortgage Banks industry in Germany is unlikely to be materially impacted by export tariffs with exports accounting for a low share of industry revenue.
Has the Mortgage Banks industry in Germany grown or declined over the past 5 years?
The market size of the Mortgage Banks industry in Germany has been declining at a CAGR of 3.8 % between 2019 and 2024.
What is the forecast growth of the Mortgage Banks industry in Germany over the next 5 years?
Over the next five years, the Mortgage Banks industry in Germany is expected to grow.
What are the biggest companies in the Mortgage Banks industry in Germany?
The biggest companies operating in the Mortgage Banks industry in Germany are DZ Hyp AG, Deutsche Pfandbriefbank AG and Aareal Bank AG
What does the Mortgage Banks industry in Germany include?
Mortgage Pfandbriefe and Public Pfandbriefe are part of the Mortgage Banks industry in Germany.
Which companies have the highest market share in the Mortgage Banks industry in Germany?
The company holding the most market share in the Mortgage Banks industry in Germany is DZ Hyp AG.
How competitive is the Mortgage Banks industry in Germany?
The level of competition is high and increasing in the Mortgage Banks industry in Germany.
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