(AGENPARL) - Roma, 16 Agosto 2022 - (AGENPARL) – mar 16 agosto 2022 [IMF Country Reports](http://www.imf.org/external/pubs/cat/scr1_sp.aspx?s_year=1997&e_year=2012&brtype=default)
[Open in your browser](http://www.imf.org/en/Publications/CR/Issues/2022/08/10/Germany-Financial-Sector-Assessment-Program-Technical-Note-The-Determinants-of-Bank-522098?cid=em-COM-123-45259)
http://www.imf.org/en/Publications/CR/Issues/2022/08/10/Germany-Financial-Sector-Assessment-Program-Technical-Note-The-Determinants-of-Bank-522098?cid=em-COM-123-45259
[Country Report No. 2022/273 : Germany: Financial Sector Assessment Program-Technical Note-The Determinants of Bank Profitability](http://www.imf.org/en/Publications/CR/Issues/2022/08/10/Germany-Financial-Sector-Assessment-Program-Technical-Note-The-Determinants-of-Bank-522098?cid=em-COM-123-45259)
AUGUST 16, 2022
http://www.imf.org/en/Publications/CR/Issues/2022/08/10/Germany-Financial-Sector-Assessment-Program-Technical-Note-The-Determinants-of-Bank-522098?cid=em-COM-123-45259
German bank profitability is low by international standards. Although German banks rank more favorably in risk-adjusted terms, as low profitability is partially compensated by lower volatility of returns, their profitability ratios remain low. On other measures (such as returns on assets, equity, and risk-weighted assets), German banks, on aggregate, rank among the least profitable in Europe. Several factors affect bank profitability, including a complex tiered industry structure with barriers to entry and an explicit mandate of a large part of the banking system – cooperative and savings banks – to maximize welfare of stakeholders rather than profits.
[READ MORE](http://www.imf.org/en/Publications/CR/Issues/2022/08/10/Germany-Financial-Sector-Assessment-Program-Technical-Note-The-Determinants-of-Bank-522098?cid=em-COM-123-45259)
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