Between 2008 and the second quarter of 2022, all the hikes in the cost-to-income ratio of the leading European countries' banking industries represent certain economic issues. The cost-to-income ratio (CIR) is calculated by dividing the operating costs of a company by the operating income and it is a key financial measure when valuing banks. The lower the ratio, the more profitable a bank - or in this case, the banking industry - is. In 2008, the banking industries were still feeling the effect of the global financial crisis. The next sudden increase took place between 2010 and 2012, as a result of the Euro area recession. COVID-19 caused another drastic increase, but the banking industries seemed to recover in 2021. The first quarter of 2022 started with a sharp increase for Germany, while other leading European countries experienced only a slight increase in the second quarter of 2022.
Cost-to-income ratio (CIR) of banking industry in leading European countries from 2008 to 2nd quarter 2022, by country
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Statista. (January 27, 2023). Cost-to-income ratio (CIR) of banking industry in leading European countries from 2008 to 2nd quarter 2022, by country [Graph]. In Statista. Retrieved May 23, 2024, from https://www.statista.com/statistics/1316151/eu-banking-sector-cost-to-income-by-country/
Statista. "Cost-to-income ratio (CIR) of banking industry in leading European countries from 2008 to 2nd quarter 2022, by country." Chart. January 27, 2023. Statista. Accessed May 23, 2024. https://www.statista.com/statistics/1316151/eu-banking-sector-cost-to-income-by-country/
Statista. (2023). Cost-to-income ratio (CIR) of banking industry in leading European countries from 2008 to 2nd quarter 2022, by country. Statista. Statista Inc.. Accessed: May 23, 2024. https://www.statista.com/statistics/1316151/eu-banking-sector-cost-to-income-by-country/
Statista. "Cost-to-income Ratio (Cir) of Banking Industry in Leading European Countries from 2008 to 2nd Quarter 2022, by Country." Statista, Statista Inc., 27 Jan 2023, https://www.statista.com/statistics/1316151/eu-banking-sector-cost-to-income-by-country/
Statista, Cost-to-income ratio (CIR) of banking industry in leading European countries from 2008 to 2nd quarter 2022, by country Statista, https://www.statista.com/statistics/1316151/eu-banking-sector-cost-to-income-by-country/ (last visited May 23, 2024)
Cost-to-income ratio (CIR) of banking industry in leading European countries from 2008 to 2nd quarter 2022, by country [Graph], Statista, January 27, 2023. [Online]. Available: https://www.statista.com/statistics/1316151/eu-banking-sector-cost-to-income-by-country/