German Banking KPIs by Sector

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Savings & Cooperative Banks: Who Pays for Higher Costs?

We have analysed German banking sector by seven KPIs* and draw the following conclusions:

1. Pre tax RoEs of cooperative and savings banks are more than twice as high than those of private banks
2. Cost Income Ratios of of cooperative and savings banks are better too
3. Despite much higher admin expenses of cooperative and savings banks
4. Gross interest income of cooperative and savings banks is, however, much higher compared to commercial banks
5. Whereas, interest expenses of cooperative and savings banks are only slightly lower compared to commercial banks
6. Net fee income of cooperative and savings banks, again, is significantly higher compared to commercial banks
7. Lastly, risk expenses of cooperative and savings banks are roughly in line with commercial banks (and rock bottom generally)

*) All ratios are over balance sheet total except for RoE and CIR

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