Overview

• Germany’s private wealth set a new high of €9.4 trillion in 2024 after climbing 7.4 percent.
• DZ Bank predicts private assets will grow by about 5 percent to €9.9 trillion next year and by roughly 4 percent to €10.3 trillion in 2026.
• The household savings rate is projected to fall from 11.3 percent in 2024 to 10.8 percent in 2025 and 10.5 percent in 2026, easing the pace of wealth accumulation.
• Increased real estate investment, indicated by rising building permits and mortgage lending, is diverting funds from cash and securities.
• Wealth distribution remains skewed, with the wealthiest 10 percent of households holding about half of all private assets.