Deutsche Retail Banking Markt Generative Engine Optimization (GEO) Report
Filialen & Bargeld Analysis
2,750
Prompts Analyzed
3
Sub-Segments
5
LLMs
The "Filialen & Bargeld" segment remains a cornerstone of the German retail banking landscape, despite the accelerating shift towards digital channels. It addresses fundamental customer needs for cash access, face-to-face interaction, and secure handling of complex financial transactions. While younger demographics increasingly prefer online banking, a substantial portion of the population, particularly older customers and those with intricate financial requirements, still relies heavily on physical branches and ATMs. Banks like Deutsche Bank, Commerzbank, and Sparkasse strategically maintain extensive networks to ensure broad market penetration and customer loyalty. This segment is characterized by significant operational costs but also offers opportunities for deep customer relationships, cross-selling, and brand reinforcement. The challenge lies in optimizing the physical footprint to balance accessibility with efficiency, adapting to evolving consumer behaviors while preserving essential services.
Overall Ranking
Model:
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
 Deutsche Bank | #1 | 80% | 14% | 70% |
 Commerzbank | #2 | 80% | 14% | 70% |
 Sparkasse | #3 | 67% | 12% | 74% |
 Volksbanken Raiffeisenbanken | #4 | 65% | 11% | 79% |
 Postbank | #5 | 43% | 6% | 71% |
 HypoVereinsbank | #6 | 31% | 4% | 74% |
 S-Direkt | #7 | 28% | 5% | 83% |
 ING | #8 | 20% | 3% | 85% |
 Targobank | #9 | 20% | 2% | 70% |
 DKB | #10 | 19% | 3% | 85% |
 Sparda-Bank | #11 | 15% | 2% | 74% |
 Comdirect | #12 | 13% | 2% | 81% |
 Volksbank Raiffeisenbank | #13 | 11% | 1% | 67% |
 Volksbank | #14 | 9% | 2% | 65% |
 Santander | #15 | 9% | 1% | 79% |
 UniCredit | #16 | 7% | 1% | 83% |
 N26 | #17 | 6% | 1% | 87% |
 Berenberg | #18 | 6% | 1% | 72% |
 BBBank | #19 | 6% | 0% | 83% |
 DZ BANK | #20 | 4% | 1% | 88% |
 norisbank GmbH | #21 | 4% | 0% | 65% |
 Barclays | #22 | 2% | 0% | 85% |
 BW-Bank | #23 | 2% | 0% | 80% |
 C24 Bank | #24 | 2% | 0% | 95% |
 Sparda-Bank Hamburg | #25 | 2% | 0% | 93% |
 Volksbanken | #26 | 2% | 0% | 80% |
 Revolut | #27 | 2% | 0% | 75% |
 Qonto | #28 | 2% | 0% | 50% |
 Consorsbank | #29 | 2% | 0% | 70% |
 Openbank | #30 | 2% | 0% | 90% |
 PSD Bank | #31 | 2% | 0% | 70% |
The table below shows the domains and URLs most frequently cited by LLMs when generating responses about filialen & bargeld. These sources indicate where AI systems most often draw information.
Top Source Domains
Model:
Rank | Domain | Name | Used | Percentage | Sub Pages |
|---|---|---|---|---|---|
#1 | Wikipedia | 16 | 44.44% | 9 | |
#2 | Klamm | 10 | 22.22% | 3 | |
#3 | Welt | 2 | 22.22% | 2 | |
#4 | Computerbild | 13 | 22.22% | 4 | |
#5 | Mutual | 5 | 11.11% | 1 | |
#6 | Deutsche-bank | 3 | 11.11% | 1 | |
#7 | Bild | 10 | 11.11% | 1 | |
#8 | Bundesbank | 4 | 11.11% | 2 | |
#9 | Bw-bank | 2 | 11.11% | 1 | |
#10 | Gestalterbank | 2 | 11.11% | 1 | |
#11 | Chip | 6 | 11.11% | 1 | |
#12 | Yougov | 3 | 11.11% | 1 | |
#13 | Sparkasse-hochrhein | 2 | 11.11% | 1 | |
#14 | Vbidr | 1 | 11.11% | 1 | |
#15 | Giroexperte | 4 | 11.11% | 1 |
Access segment domain sources
Top Source URLs
Model:
Rank | URL | Title | Used | Percentage |
|---|---|---|---|---|
#1 | Computerbild | 5 | 22.22% | |
#2 | Stern | 3 | 11.11% | |
#3 | Wikipedia | 3 | 11.11% | |
#4 | Klamm | 3 | 11.11% | |
#5 | Wikipedia | 2 | 11.11% | |
#6 | Kontofinder | 9 | 11.11% | |
#7 | Wikipedia | 1 | 11.11% | |
#8 | Sparkasse-hochrhein | 2 | 11.11% | |
#9 | Dsgv | 2 | 11.11% | |
#10 | Wikipedia | 1 | 11.11% | |
#11 | Finsinn | 3 | 11.11% | |
#12 | Bild | 10 | 11.11% | |
#13 | Gesellschaft-fuer-qualitaetspruefung | 1 | 11.11% | |
#14 | Wikipedia | 1 | 11.11% | |
#15 | Computerbild | 2 | 11.11% |
Access segment URL sources
Filialnetz
The Filialnetz (Branch Network) constitutes the physical backbone of retail banking, providing a comprehensive range of services beyond simple cash transactions. Branches serve as community hubs where customers can open accounts, apply for loans, resolve complex issues, and receive face-to-face support. Despite branch closures in recent years due to digitalization, a strategic physical presence remains crucial for brand visibility, customer acquisition, and serving specific demographics. For many, the branch offers a sense of security and trust, particularly for sensitive financial matters. Banks are evolving their branch models, often transforming them into advisory centers rather than transactional hubs, to optimize their value proposition.
Filialnetz - Overall Rankings
Model:
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
Deutsche Bank | #1 | 95% | 19% | 68% |
Commerzbank | #2 | 90% | 17% | 69% |
Volksbanken Raiffeisenbanken | #3 | 86% | 17% | 77% |
Sparkasse | #4 | 71% | 13% | 75% |
Postbank | #5 | 52% | 7% | 70% |
S-Direkt | #6 | 33% | 7% | 83% |
HypoVereinsbank | #7 | 14% | 2% | 67% |
Targobank | #8 | 14% | 1% | 69% |
Volksbank | #9 | 10% | 1% | 70% |
Santander | #10 | 10% | 1% | 87% |
Sparda-Bank | #11 | 10% | 1% | 78% |
BBBank | #12 | 10% | 0% | 80% |
DZ BANK | #13 | 5% | 1% | 85% |
BW-Bank | #14 | 5% | 1% | 80% |
C24 Bank | #15 | 5% | 1% | 95% |
Sparda-Bank Hamburg | #16 | 5% | 0% | 93% |
Openbank | #17 | 5% | 0% | 90% |
PSD Bank | #18 | 5% | 0% | 70% |
Geldautomatennetz
The Geldautomatennetz (ATM network) is a critical component of the "Filialen & Bargeld" segment, providing essential cash access points for consumers nationwide. This network includes proprietary ATMs and those integrated through interbank agreements, such as the Cash Group or Sparkassen-Finanzgruppe, significantly expanding reach. For many customers, particularly in rural areas or those less digitally inclined, ATMs remain the primary method for managing daily cash needs. Banks strategically deploy and maintain these machines to ensure convenience, reduce branch traffic for simple transactions, and reinforce their physical presence. The efficiency and reliability of the ATM network directly impact customer satisfaction and perception of a bank's service quality.
Geldautomatennetz - Overall Rankings
Model:
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
Deutsche Bank | #1 | 77% | 8% | 71% |
Commerzbank | #2 | 69% | 7% | 71% |
Postbank | #3 | 69% | 7% | 70% |
HypoVereinsbank | #4 | 69% | 7% | 71% |
Sparkasse | #5 | 62% | 6% | 77% |
DKB | #6 | 46% | 6% | 84% |
Volksbanken Raiffeisenbanken | #7 | 46% | 5% | 78% |
ING | #8 | 46% | 5% | 83% |
Comdirect | #9 | 38% | 4% | 78% |
Targobank | #10 | 31% | 2% | 70% |
Sparda-Bank | #11 | 31% | 2% | 68% |
Volksbank Raiffeisenbank | #12 | 31% | 2% | 68% |
N26 | #13 | 23% | 4% | 87% |
Santander | #14 | 23% | 3% | 73% |
S-Direkt | #15 | 15% | 2% | 85% |
norisbank GmbH | #16 | 15% | 1% | 65% |
Barclays | #17 | 8% | 1% | 85% |
Revolut | #18 | 8% | 1% | 75% |
Consorsbank | #19 | 8% | 1% | 70% |
Persönliche Beratung
Persönliche Beratung (Personal Consultation) represents the human-centric aspect of banking, offering individualized guidance for complex financial decisions. This service is invaluable for customers navigating significant life events like home purchases, retirement planning, or wealth management, where digital tools alone may not suffice. Expert advisors provide tailored solutions, build long-term relationships, and instill confidence, which are crucial for high-value products and services. While digital channels handle routine inquiries, personal consultations differentiate banks by offering a premium, trust-based service. This sub-segment is vital for retaining affluent clients and addressing intricate financial needs that demand a nuanced, empathetic approach.
Persönliche Beratung - Overall Rankings
Model:
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
Commerzbank | #1 | 75% | 14% | 71% |
Sparkasse | #2 | 65% | 14% | 72% |
Deutsche Bank | #3 | 65% | 12% | 72% |
Volksbanken Raiffeisenbanken | #4 | 55% | 9% | 84% |
S-Direkt | #5 | 30% | 5% | 83% |
ING | #6 | 25% | 4% | 86% |
HypoVereinsbank | #7 | 25% | 4% | 83% |
DKB | #8 | 20% | 4% | 85% |
Targobank | #9 | 20% | 3% | 70% |
UniCredit | #10 | 20% | 3% | 83% |
Volksbank | #11 | 15% | 3% | 62% |
Postbank | #12 | 15% | 2% | 78% |
Berenberg | #13 | 15% | 2% | 72% |
Sparda-Bank | #14 | 10% | 2% | 83% |
Volksbank Raiffeisenbank | #15 | 10% | 2% | 65% |
Comdirect | #16 | 10% | 2% | 88% |
DZ BANK | #17 | 5% | 1% | 90% |
BBBank | #18 | 5% | 0% | 90% |
Volksbanken | #19 | 5% | 0% | 80% |
Qonto | #20 | 5% | 0% | 50% |