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