Between 2008 and 2024, the cost-to-income ratio of the banking industry in Spain fluctuated around 50 percent, with a downward trend in recent years. The highest ratio was reported in the second quarter of 2019 at 54.28 percent. In 2022 and 2023, the ratio decreased notably, dropping to 43.08 percent in the second quarter of 2024. This marked the second-lowest ratio since the fourth quarter of 2009, when it was 42.82 percent.
Cost-to-income ratio of the banking industry in Spain from 4th quarter 2008 to 2nd quarter 2024
Characteristic
Cost-to-income ratio
Q2 2024
43.08%
Q1 2024
45.13%
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
52.11%
Q3 2021
52.88%
Q2 2021
52.95%
Q1 2021
48.84%
Q4 2020
50.23%
Q3 2020
50.14%
Q2 2020
49.8%
Q1 2020
50.86%
Q4 2019
53.37%
Q3 2019
53.21%
Q2 2019
54.28%
Q1 2019
52.41%
Q4 2018
53.26%
Q3 2018
52.6%
Q2 2018
52.42%
Q1 2018
52.22%
Q4 2017
52.58%
Q3 2017
51.76%
Q2 2017
51.48%
Q1 2017
51.16%
Q4 2016
53.32%
Q3 2016
52.21%
Q2 2016
51.72%
Q1 2016
52.53%
Q4 2015
50.71%
Q3 2015
49.21%
Q2 2015
47.82%
Q1 2015
48.1%
Q4 2014
48.87%
Q2 2014
46.85%
Q4 2013
52.39%
Q2 2013
50.07%
Q4 2012
50.37%
Q2 2012
48.25%
Q4 2011
51.46%
Q2 2011
49.99%
Q4 2010
47.92%
Q2 2010
44.96%
Q4 2009
42.82%
Q4 2008
47.11%
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Figures refer 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 Spain from 4th quarter 2008 to 2nd quarter 2024 [Graph]. In Statista. Retrieved December 21, 2024, from https://www.statista.com/statistics/595015/banking-system-cost-income-ratio-spain-europe-eu/
ECB. "Cost-to-income ratio of the banking industry in Spain from 4th quarter 2008 to 2nd quarter 2024." Chart. October 31, 2024. Statista. Accessed December 21, 2024. https://www.statista.com/statistics/595015/banking-system-cost-income-ratio-spain-europe-eu/
ECB. (2024). Cost-to-income ratio of the banking industry in Spain from 4th quarter 2008 to 2nd quarter 2024. Statista. Statista Inc.. Accessed: December 21, 2024. https://www.statista.com/statistics/595015/banking-system-cost-income-ratio-spain-europe-eu/
ECB. "Cost-to-income Ratio of The Banking Industry in Spain from 4th Quarter 2008 to 2nd Quarter 2024." Statista, Statista Inc., 31 Oct 2024, https://www.statista.com/statistics/595015/banking-system-cost-income-ratio-spain-europe-eu/
ECB, Cost-to-income ratio of the banking industry in Spain from 4th quarter 2008 to 2nd quarter 2024 Statista, https://www.statista.com/statistics/595015/banking-system-cost-income-ratio-spain-europe-eu/ (last visited December 21, 2024)
Cost-to-income ratio of the banking industry in Spain from 4th quarter 2008 to 2nd quarter 2024 [Graph], ECB, October 31, 2024. [Online]. Available: https://www.statista.com/statistics/595015/banking-system-cost-income-ratio-spain-europe-eu/
