Between the fourth quarter of 2014 and the second quarter of 2024, there was a fluctuating pattern, with occasional peaks in the cost-to-income ratio of the German banking industry. The ratio reached its highest point at 90.6 percent in the first quarter of 2020. Subsequently, there was a gradual decline until the first quarter of 2023, when the ratio stood at 56.6 percent, though in the second quarter of 2024 it increased again to 57.83 percent, indicating reduced efficiency.
Quarterly cost-to-income ratio of the banking industry in Germany from 4th quarter 2014 to 2nd quarter 2024
Characteristic
Cost-to-income ratio
Q2 2024
57.83%
Q1 2024
57.52%
Q4 2023
58.06%
Q3 2023
57.72%
Q2 2023
57.04%
Q1 2023
56.61%
Q4 2022
69.9%
Q3 2022
77.25%
Q2 2022
76.36%
Q1 2022
75.77%
Q4 2021
68.81%
Q3 2021
66.63%
Q2 2021
66.02%
Q1 2021
65.29%
Q4 2020
70.74%
Q3 2020
70.16%
Q2 2020
71.22%
Q1 2020
90.66%
Q4 2019
75.45%
Q3 2019
74.12%
Q2 2019
73.26%
Q1 2019
74.15%
Q4 2018
76.82%
Q3 2018
75.06%
Q2 2018
74.49%
Q1 2018
76.36%
Q4 2017
74.01%
Q3 2017
71%
Q2 2017
70.6%
Q1 2017
71.94%
Q4 2016
73.96%
Q3 2016
71.51%
Q2 2016
71.06%
Q1 2016
71.93%
Q4 2015
73.11%
Q3 2015
69.63%
Q2 2015
68.98%
Q1 2015
70.65%
Q4 2014
72.55%
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Data refers 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. (October 31, 2024). Quarterly cost-to-income ratio of the banking industry in Germany from 4th quarter 2014 to 2nd quarter 2024 [Graph]. In Statista. Retrieved December 22, 2024, from https://www.statista.com/statistics/1417389/cost-to-income-ratio-of-banking-industry-in-germany/
ECB. "Quarterly cost-to-income ratio of the banking industry in Germany from 4th quarter 2014 to 2nd quarter 2024." Chart. October 31, 2024. Statista. Accessed December 22, 2024. https://www.statista.com/statistics/1417389/cost-to-income-ratio-of-banking-industry-in-germany/
ECB. (2024). Quarterly cost-to-income ratio of the banking industry in Germany from 4th quarter 2014 to 2nd quarter 2024. Statista. Statista Inc.. Accessed: December 22, 2024. https://www.statista.com/statistics/1417389/cost-to-income-ratio-of-banking-industry-in-germany/
ECB. "Quarterly Cost-to-income Ratio of The Banking Industry in Germany from 4th Quarter 2014 to 2nd Quarter 2024." Statista, Statista Inc., 31 Oct 2024, https://www.statista.com/statistics/1417389/cost-to-income-ratio-of-banking-industry-in-germany/
ECB, Quarterly cost-to-income ratio of the banking industry in Germany from 4th quarter 2014 to 2nd quarter 2024 Statista, https://www.statista.com/statistics/1417389/cost-to-income-ratio-of-banking-industry-in-germany/ (last visited December 22, 2024)
Quarterly cost-to-income ratio of the banking industry in Germany from 4th quarter 2014 to 2nd quarter 2024 [Graph], ECB, October 31, 2024. [Online]. Available: https://www.statista.com/statistics/1417389/cost-to-income-ratio-of-banking-industry-in-germany/
