Germany is the prototypical economy country. Banks in Germany’s economic life plays a very important role. Germany has a large number of Banks and very dense network of bank branches. Deutsche Bank is by far the biggest German bank and Commerzbank is the second biggest. But with all the economic turmoil in the world these days, such rankings can change within just months which are very quickly.(The German way,2014) In the last few years the German banking industry has experienced decreasing especially the world credit crisis. Everything has two sides, as far as I am concerned, the opportunities side is better than the difficulties side of banking services in Germany. Banking service in Germany has a high status in Europe for many reasons such as numerous institutions, comprehensive services, the full of competition, less interference by the outside world, share high public bank and the security is strong. Now, I would like to talk about three main reasons for it. Firstly, for it is diversification, the income is stable. Then, for it has brought important influence on the development of the German economy. Finally, the special German banking regulation makes it more powerful.
　　Firstly, the diversification which makes it has a stable income. In general, in any particular activities the diversification of products reduces a company’s exposures. On the contrary, it causes the reduction of risk. In the background of the banking industrial, the institutions through the expanding fee-earning activities to reach disintermediation. (Busch