The cost-to-income ratio of the banking industry in Estonia fluctuated significantly between 2014 and 2024. As a key indicator of a bank's operating costs relative to its income, the ratio reached its highest point at 56.06 percent in the first quarter of 2021, depicting a period of high expenses. As of the second quarter of 2024, it increased to 40.74 percent, indicating the increasing cost when compared to the previous year.
Cost-to-income ratio of the banking industry in Estonia from 4th quarter 2014 to 2nd quarter 2024
Characteristic
Cost-to-income ratio
Q2 2024
40.74%
Q1 2024
39.97%
Q4 2023
38.12%
Q3 2023
38.09%
Q2 2023
39.35%
Q1 2023
39.58%
Q4 2022
48.34%
Q3 2022
50.03%
Q2 2022
52.33%
Q1 2022
50.28%
Q4 2021
53.75%
Q3 2021
53.8%
Q2 2021
54.41%
Q1 2021
56.06%
Q4 2020
52.59%
Q3 2020
50.28%
Q2 2020
49.96%
Q1 2020
47.42%
Q4 2019
52.5%
Q3 2019
52.48%
Q2 2019
51.47%
Q1 2019
55.26%
Q4 2018
45.25%
Q3 2018
43.5%
Q2 2018
43.16%
Q1 2018
39.16%
Q4 2017
46.33%
Q3 2017
44.28%
Q2 2017
44.13%
Q1 2017
44.93%
Q4 2016
44.47%
Q3 2016
43.4%
Q2 2016
43.7%
Q1 2016
46.14%
Q4 2015
44.6%
Q3 2015
44.24%
Q2 2015
46.03%
Q1 2015
45.51%
Q4 2014
45.67%
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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 Estonia from 4th quarter 2014 to 2nd quarter 2024 [Graph]. In Statista. Retrieved December 19, 2024, from https://www.statista.com/statistics/1428725/estonia-cost-to-income-ratio-banking-industry-quarterly/
ECB. "Cost-to-income ratio of the banking industry in Estonia from 4th quarter 2014 to 2nd quarter 2024." Chart. October 31, 2024. Statista. Accessed December 19, 2024. https://www.statista.com/statistics/1428725/estonia-cost-to-income-ratio-banking-industry-quarterly/
ECB. (2024). Cost-to-income ratio of the banking industry in Estonia from 4th quarter 2014 to 2nd quarter 2024. Statista. Statista Inc.. Accessed: December 19, 2024. https://www.statista.com/statistics/1428725/estonia-cost-to-income-ratio-banking-industry-quarterly/
ECB. "Cost-to-income Ratio of The Banking Industry in Estonia from 4th Quarter 2014 to 2nd Quarter 2024." Statista, Statista Inc., 31 Oct 2024, https://www.statista.com/statistics/1428725/estonia-cost-to-income-ratio-banking-industry-quarterly/
ECB, Cost-to-income ratio of the banking industry in Estonia from 4th quarter 2014 to 2nd quarter 2024 Statista, https://www.statista.com/statistics/1428725/estonia-cost-to-income-ratio-banking-industry-quarterly/ (last visited December 19, 2024)
Cost-to-income ratio of the banking industry in Estonia from 4th quarter 2014 to 2nd quarter 2024 [Graph], ECB, October 31, 2024. [Online]. Available: https://www.statista.com/statistics/1428725/estonia-cost-to-income-ratio-banking-industry-quarterly/
