Reading the article at CNBC, this sounds like STRATEGY and NOT NEWS.
(Possibly, Paid for and bought by Big Bank)....

So, the chief economist at a Big Bank (ING Germany) criticized the inefficiency of little banks.
Furthermore, Big Bank highlights report from BIGGER Bank (IMF) to criticize little banks.
Basically, Big Bank saying little banks are bad.
The criticism rooted in "Germany is overbanked, too many banks, very little consolidation has taken place,"

Sounds to me like Big Bank wants to Eliminate Competition, Crush or Buy these little banks.