The cost-to-income ratio of the banking industry in Bulgaria fluctuated significantly between 2014 and 2024. After peaking in the first quarter of 2020 at 53.8 percent, it declined to its lowest point in the second quarter of 2024 at around 35.93 percent. The lower ratio suggests the industry became more profitable and competitive in the country during this period.
Cost-to-income ratio of the banking industry in Bulgaria from 4th quarter 2014 to 2nd quarter 2024
Characteristic
Cost-to-income ratio
Q2 2024
35.93%
Q1 2024
36.08%
Q4 2023
37.16%
Q3 2023
36.1%
Q2 2023
37.02%
Q1 2023
38.39%
Q4 2022
44.12%
Q3 2022
45.07%
Q2 2022
46.47%
Q1 2022
46.07%
Q4 2021
44.99%
Q3 2021
44.96%
Q2 2021
45.43%
Q1 2021
45.45%
Q4 2020
47.2%
Q3 2020
46.77%
Q2 2020
47.07%
Q1 2020
53.8%
Q4 2019
46.77%
Q3 2019
46.83%
Q2 2019
46.74%
Q1 2019
49.63%
Q4 2018
45.3%
Q3 2018
46.04%
Q2 2018
48.11%
Q1 2018
50.93%
Q4 2017
45.07%
Q3 2017
45.26%
Q2 2017
46.32%
Q1 2017
46.95%
Q4 2016
42.55%
Q3 2016
41.88%
Q2 2016
42.1%
Q1 2016
44.08%
Q4 2015
47.5%
Q3 2015
48.08%
Q2 2015
48.66%
Q1 2015
47.26%
Q4 2014
48.82%
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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). Cost-to-income ratio of the banking industry in Bulgaria from 4th quarter 2014 to 2nd quarter 2024 [Graph]. In Statista. Retrieved December 18, 2024, from https://www.statista.com/statistics/1428602/bulgaria-cost-to-income-ratio-banking-industry-quarterly/
ECB. "Cost-to-income ratio of the banking industry in Bulgaria from 4th quarter 2014 to 2nd quarter 2024." Chart. October 31, 2024. Statista. Accessed December 18, 2024. https://www.statista.com/statistics/1428602/bulgaria-cost-to-income-ratio-banking-industry-quarterly/
ECB. (2024). Cost-to-income ratio of the banking industry in Bulgaria from 4th quarter 2014 to 2nd quarter 2024. Statista. Statista Inc.. Accessed: December 18, 2024. https://www.statista.com/statistics/1428602/bulgaria-cost-to-income-ratio-banking-industry-quarterly/
ECB. "Cost-to-income Ratio of The Banking Industry in Bulgaria from 4th Quarter 2014 to 2nd Quarter 2024." Statista, Statista Inc., 31 Oct 2024, https://www.statista.com/statistics/1428602/bulgaria-cost-to-income-ratio-banking-industry-quarterly/
ECB, Cost-to-income ratio of the banking industry in Bulgaria from 4th quarter 2014 to 2nd quarter 2024 Statista, https://www.statista.com/statistics/1428602/bulgaria-cost-to-income-ratio-banking-industry-quarterly/ (last visited December 18, 2024)
Cost-to-income ratio of the banking industry in Bulgaria from 4th quarter 2014 to 2nd quarter 2024 [Graph], ECB, October 31, 2024. [Online]. Available: https://www.statista.com/statistics/1428602/bulgaria-cost-to-income-ratio-banking-industry-quarterly/