Business Investment Financing Statistics in Germany (2026)
As of the 2025 data, 29.2% of firms in Germany used banks to finance investment, per World Bank World Development Indicators. Down from 30.4% in 2021 to 29.2% in 2025 (−1.2 percentage points). Germany ranks #19 of 43 economies in Europe & Central Asia on this measure, and #57 of 144 globally.
Key Statistics
- Latest value (2025)
- 29.2% (2025)
- Business Investment Financing in Germany as of 2025, the most recent observation in World Bank World Development Indicators data.
- Change since 2021
- −1.2 pp (2025)
- Down from 30.4% in 2021 to 29.2% in 2025 (−1.2 percentage points).
- Earliest value in this dataset (2005)
- 45% (2005)
- Earliest observation in this dataset, which covers 1990 onward (the source series may begin earlier). Down from 45% in 2005 to 29.2% in 2025.
- Peak value (2005)
- 45% (2005)
- Highest value in the available series; the 2025 value is 29.2%.
- Rank in Europe & Central Asia
- #19 of 43 (2025)
- Germany ranks 19 of 43 countries in Europe & Central Asia with data, based on each country's latest value.
- Global rank
- #57 of 144 (2025)
- Germany ranks 57 of 144 countries with data globally.
- Europe & Central Asia average
- 29.6% (2025)
- Germany (29.2%) is below the average of 29.6% across the 43 countries in Europe & Central Asia with data.
- Firms with a bank loan/line of credit (% of firms) (2025)
- 77.4% (2025)
- Related indicator from World Bank World Development Indicators.
- Internet use in Germany (2024)
- 93.5% (2024)
- 93.5% of the population in Germany used the internet in 2024 (World Bank); shown for context only.
- Population (2024)
- 83.5 million (2024)
- Germany had a population of 83.5 million in 2024 (World Bank); shown for scale only.
Trend, 2005–2025
| Year | % of firms | Change |
|---|---|---|
| 2025 | 29.2% | −1.2 pp |
| 2021 | 30.4% | −14.6 pp |
| 2005 | 45% | — |
Frequently asked questions
What share of firms in Germany used banks to finance investment?
29.2% of firms in Germany used banks to finance investment in 2025, according to World Bank World Development Indicators data.
How has business investment financing in Germany changed over time?
World Bank World Development Indicators data show a decline from 45% in 2005 to 29.2% in 2025.
How does Germany compare with other countries in Europe & Central Asia?
Germany ranks 19 of 43 countries in Europe & Central Asia with data, with 29.2% versus a regional average of 29.6% (latest values per country).
Where does Germany rank globally on business investment financing?
Germany ranks 57 of 144 countries with data globally, based on the latest World Bank World Development Indicators value for each country.
Source & methodology
Source: World Bank, World Development Indicators, indicator
IC.FRM.BNKS.ZS, retrieved .
Figures are shown exactly as published in the source dataset; only the change column of the trend table is computed from adjacent published values.Read more on the methodology page. All figures are estimates and projections; this is not financial advice.
Last updated .