The cost-to-income ratio of the Spanish banking industry fluctuated significantly between 2014 and 2023. In the fourth quarter of 2023, it was 44.82 percent, which was the lowest ratio observed during this period. This indicates that the cost of running operations became lower, therefore the profitability of the industry improved in the last couple of years.
Cost-to-income ratio of the banking industry in Spain from 4th quarter 2014 to 4th quarter 2023
Characteristic
Cost-to-income ratio
Q4 2023
44.82%
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
52.1%
Q3 2021
52.88%
Q2 2021
52.94%
Q1 2021
48.84%
Q4 2020
50.23%
Q3 2020
50.13%
Q2 2020
49.79%
Q1 2020
50.86%
Q4 2019
53.37%
Q3 2019
53.21%
Q2 2019
54.28%
Q1 2019
52.4%
Q4 2018
53.26%
Q3 2018
52.59%
Q2 2018
52.42%
Q1 2018
52.22%
Q4 2017
52.57%
Q3 2017
51.76%
Q2 2017
51.48%
Q1 2017
51.15%
Q4 2016
53.31%
Q3 2016
52.21%
Q2 2016
51.72%
Q1 2016
52.52%
Q4 2015
50.71%
Q3 2015
49.2%
Q2 2015
47.82%
Q1 2015
48.09%
Q4 2014
48.87%
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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.
Figures were rounded.
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ECB. (June 13, 2024). Cost-to-income ratio of the banking industry in Spain from 4th quarter 2014 to 4th quarter 2023 [Graph]. In Statista. Retrieved July 22, 2024, from https://www.statista.com/statistics/1428122/spain-cost-to-income-ratio-banking-industry-quarterly/
ECB. "Cost-to-income ratio of the banking industry in Spain from 4th quarter 2014 to 4th quarter 2023." Chart. June 13, 2024. Statista. Accessed July 22, 2024. https://www.statista.com/statistics/1428122/spain-cost-to-income-ratio-banking-industry-quarterly/
ECB. (2024). Cost-to-income ratio of the banking industry in Spain from 4th quarter 2014 to 4th quarter 2023. Statista. Statista Inc.. Accessed: July 22, 2024. https://www.statista.com/statistics/1428122/spain-cost-to-income-ratio-banking-industry-quarterly/
ECB. "Cost-to-income Ratio of The Banking Industry in Spain from 4th Quarter 2014 to 4th Quarter 2023." Statista, Statista Inc., 13 Jun 2024, https://www.statista.com/statistics/1428122/spain-cost-to-income-ratio-banking-industry-quarterly/
ECB, Cost-to-income ratio of the banking industry in Spain from 4th quarter 2014 to 4th quarter 2023 Statista, https://www.statista.com/statistics/1428122/spain-cost-to-income-ratio-banking-industry-quarterly/ (last visited July 22, 2024)
Cost-to-income ratio of the banking industry in Spain from 4th quarter 2014 to 4th quarter 2023 [Graph], ECB, June 13, 2024. [Online]. Available: https://www.statista.com/statistics/1428122/spain-cost-to-income-ratio-banking-industry-quarterly/