Between 2008 and 2023, the cost-to-income ratio of the banking industry in Spain fluctuated around 50 percent, with a downward trend in recent years. The highest ratio was reported in the second quarter of 2019 at 54.28 percent. In 2022 and 2023, the ratio decreased notably, dropping to 44.92 percent in the third quarter of 2023.
Cost-to-income ratio of the banking industry in Spain from 4th quarter 2008 to 3rd quarter 2023
Characteristic
Cost-to-income ratio
Q3 2023
44.92%
Q2 2023
45.29%
Q1 2023
46.94%
Q4 2022
48.01%
Q3 2022
48.24%
Q2 2022
48.51%
Q1 2022
48.33%
Q4 2021
52.11%
Q3 2021
52.88%
Q2 2021
52.95%
Q1 2021
48.84%
Q4 2020
50.23%
Q3 2020
50.14%
Q2 2020
49.8%
Q1 2020
50.86%
Q4 2019
53.37%
Q3 2019
53.21%
Q2 2019
54.28%
Q1 2019
52.41%
Q4 2018
53.26%
Q3 2018
52.6%
Q2 2018
52.42%
Q1 2018
52.22%
Q4 2017
52.58%
Q3 2017
51.76%
Q2 2017
51.48%
Q1 2017
51.16%
Q4 2016
53.32%
Q3 2016
52.21%
Q2 2016
51.72%
Q1 2016
52.53%
Q4 2015
50.71%
Q3 2015
49.21%
Q2 2015
47.82%
Q1 2015
48.1%
Q4 2014
48.87%
Q2 2014
46.85%
Q4 2013
52.39%
Q2 2013
50.07%
Q4 2012
50.37%
Q2 2012
48.25%
Q4 2011
51.46%
Q2 2011
49.99%
Q4 2010
47.92%
Q2 2010
44.96%
Q4 2009
42.82%
Q4 2008
47.11%
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Figures refer to domestic banking groups and stand-alone banks, foreign (EU and non-EU) controlled subsidiaries and foreign (EU and non-EU) controlled branches.
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ECB. (February 8, 2024). Cost-to-income ratio of the banking industry in Spain from 4th quarter 2008 to 3rd quarter 2023 [Graph]. In Statista. Retrieved October 30, 2024, from https://www.statista.com/statistics/595015/banking-system-cost-income-ratio-spain-europe-eu/
ECB. "Cost-to-income ratio of the banking industry in Spain from 4th quarter 2008 to 3rd quarter 2023." Chart. February 8, 2024. Statista. Accessed October 30, 2024. https://www.statista.com/statistics/595015/banking-system-cost-income-ratio-spain-europe-eu/
ECB. (2024). Cost-to-income ratio of the banking industry in Spain from 4th quarter 2008 to 3rd quarter 2023. Statista. Statista Inc.. Accessed: October 30, 2024. https://www.statista.com/statistics/595015/banking-system-cost-income-ratio-spain-europe-eu/
ECB. "Cost-to-income Ratio of The Banking Industry in Spain from 4th Quarter 2008 to 3rd Quarter 2023." Statista, Statista Inc., 8 Feb 2024, https://www.statista.com/statistics/595015/banking-system-cost-income-ratio-spain-europe-eu/
ECB, Cost-to-income ratio of the banking industry in Spain from 4th quarter 2008 to 3rd quarter 2023 Statista, https://www.statista.com/statistics/595015/banking-system-cost-income-ratio-spain-europe-eu/ (last visited October 30, 2024)
Cost-to-income ratio of the banking industry in Spain from 4th quarter 2008 to 3rd quarter 2023 [Graph], ECB, February 8, 2024. [Online]. Available: https://www.statista.com/statistics/595015/banking-system-cost-income-ratio-spain-europe-eu/
