Private Banking

The financial assets of private households is 5000 billion euros if it appears difficult to understand even in these times, experts expect a growth of the financial assets of private households in the coming years, if also more roller coaster rides despite the agreed capital injection on the international capital markets are likely to continue. The financial assets of private households has increased sharply in the year 2010 as a result of high inflows and gains and amounted at the end of the year 2010 according to the German Federal Bank a total of 4.933 billion euros. The financial assets of private households was nearly 154 billion euro in the year 2010 alone. It turned out so much higher due to the economic recovery of the year as the average of the past years. And an end of the flagpole is not foreseeable according to experts. The gains were distributed hardly surprising on bank deposits, as well as claims against insurance companies. Bank deposits (including cash) net increased to around 80 billion euros.

Still, the increase significantly below that of the year remains 2008 plus 120 billion euros. The year 2008 was the year of the transfer to liquid assets. The citizens create more cautious since the financial crisis. Currently hold only 26.8 percent of investors in securities. in 2008, there were still 10 per cent more. So, the issue of security is most important for the majority of German savers, ranked two of the priorities, the constant availability of money is with 19 percent. But this aspect has definitely something to do with security. This extremely conservative stance is reflected clearly in the choice of investment products.

The majority (61 percent) before has secure facilities such as day and time deposits or the savings account for the age. While investors have filed their formerly proverbial loyalty. Fewer and fewer Bank connections of the investor are also Bank connections.

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