Germany: Bank credit to the private sector

* indicates monthly or quarterly data series
 Germany

Bank credit to the private sector as percent of GDP

 Latest value 82.51
 Year 2022
 Measure percent
 Data availability 2001 - 2022
 Average 90.83
 Min - Max 77.14 - 112.42
 Source The World Bank
For that indicator, we provide data for Germany from 2001 to 2022. The average value for Germany during that period was 90.83 percent with a minimum of 77.14 percent in 2017 and a maximum of 112.42 percent in 2001. The latest value from 2022 is 82.51 percent. For comparison, the world average in 2022 based on 148 countries is 54.21 percent. See the global rankings for that indicator or use the country comparator to compare trends over time.
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* indicates monthly or quarterly data series


Recent values chart
Germany - Bank credit to the private sector - Recent values chart

Historical chart
Germany - Bank credit to the private sector - historical chart - 2001-2022




Bank credit in Germany and other countries is defined as the credit extended by the banking institutions to the private sector only: both firms and households. It does not include lending to the government.

Credit is essential for the economy to function well. It funds new investments and allows people to purchase houses, cars, and other items. Of course, excessive lending and borrowing usually end up in financial crises but, in principle, credit availability is good for economic development.

If the banking credit to the private sector is about 70 percent of GDP and more, then the country has a relatively well developed financial system. The amount of credit can even exceed 200 percent of GDP in some very advanced economies. In some poor countries, the credit could be less than 15 percent of GDP. In these countries, firms and households essentially do not have access to credit for investment and various purchases.
Definition: Domestic credit to private sector by banks refers to financial resources provided to the private sector by other depository corporations (deposit taking corporations except central banks), such as through loans, purchases of nonequity securities, and trade credits and other accounts receivable, that establish a claim for repayment. For some countries these claims include credit to public enterprises.

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 Related indicators Latest value Reference Measure
 ATMs per 100,000 adults 79.47 2020 ATMs per 100,000 adults
 Bank branches per 100,000 people 9.38 2020 bank branches
 Percent people with credit cards 56.52 2021 percent
 Percent people with debit cards 94.01 2021 percent
 Domestic credit to the private sector 85.71 2020 percent
 Bank credit to the private sector 82.51 2022 percent
 Liquid liabilities, percent of GDP 110.95 2021 percent
 Bank assets to GDP 95.92 2021 percent
 Financial system deposits, percent of GDP 95.02 2021 percent
 Bank credit to government 12.25 2020 percent
 Banking system concentration 79.43 2021 percent
 Foreign bank assets 13.00 2013 percent of total bank assets
 Percent people with bank accounts 99.98 2021 percent
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