People’s financial assets Germany has grown significantly in the past year. The nominal financial assets increased by around six percent or almost 600 billion euros in 2025 compared to the previous year and have since amounted to 10.03 trillion euros, said the DZ Bank based on preliminary calculations. In 2024, private financial assets had increased by 7.5 percent.
According to the analysis, the financial assets of private households in Germany have been growing for years because people in this country save a lot. People in Germany would have saved an estimated 10.4 percent of their disposable income. That is 11.2 percent less than the previous year, but more than the long-term pre-Corona average of 10.3 percent.
DAX rose sharply in 2025
Also rising stock prices benefit many citizens. The Dax closed on December 30th at around 24,500 points; 23 percent more than in the previous year. According to DZ Bank, price gains probably contributed around 290 billion euros to German financial assets Private households at. This corresponds to a share of 3.1 percentage points.
The fact that no more savings were made in Germany than in the previous year is primarily due to the “currently still high level of uncertainty,” said DZ Bank. In addition, the bank sees a “reform backlog”, inadequate infrastructure, “crippling bureaucracy” and fear of job losses in important sectors of the industry. More and more private households are also finding it difficult to put money aside.
