Bank cost to income ratio in Germany
Germany: Bank cost to income ratio was 88.6% in 2021. ▲ Rising
Bank cost to income ratio in Germany, 2000–2021
Source: Bankscope, Bureau van Dijk (BvD). Measured in %.
Analysis
Germany recorded 88.6% for bank cost to income ratio in 2021.
The figure is up 1.3% on the previous year and up 6.1% over ten years.
Over the whole period, bank cost to income ratio in Germany peaked at 97.2% in 2019 and was at its lowest, 63.3%, in 2005.
Germany ranks 5th of 169 countries on this measure, in the top 10%.
The long-run direction has been consistently rising across the 22 years of available data.
Bank cost to income ratio in Germany, year by year
| Year | % | Change |
|---|---|---|
| 2000 | 76.8% | — |
| 2001 | 82.9% | +8.0% |
| 2002 | 72.0% | -13.2% |
| 2003 | 82.3% | +14.3% |
| 2004 | 78.5% | -4.7% |
| 2005 | 63.3% | -19.4% |
| 2006 | 69.0% | +9.0% |
| 2007 | 69.3% | +0.6% |
| 2008 | 95.7% | +37.9% |
| 2009 | 81.5% | -14.8% |
| 2010 | 83.2% | +2.1% |
| 2011 | 83.5% | +0.4% |
| 2012 | 73.1% | -12.5% |
| 2013 | 79.7% | +9.1% |
| 2014 | 79.6% | -0.2% |
| 2015 | 83.8% | +5.3% |
| 2016 | 84.0% | +0.2% |
| 2017 | 88.6% | +5.5% |
| 2018 | 91.7% | +3.4% |
| 2019 | 97.2% | +6.0% |
| 2020 | 87.5% | -10.0% |
| 2021 | 88.6% | +1.3% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 77.1% | 63.3% | 95.7% | 10 |
| 2010s | 84.4% | 73.1% | 97.2% | 10 |
| 2020s | 88.1% | 87.5% | 88.6% | 2 |
Countries ranked near Germany
- 2 Iraq 92.4% compare
- 3 Sudan 91.3% compare
- 4 Cyprus 89.2% compare
- 6 San Marino 85.5% compare
- 7 Congo, Democratic Republic of the 81.9% compare
- 8 Montenegro 79.3% compare
More financial sector data for Germany
- Total reserves (gold at national valuation) (SDR), annual growth rate 42.65 % change on previous year (2025)
- Total reserves (gold at national valuation) (SDR), per capita 4,951 SDR per person (2025)
- Total reserves in months of imports, annual growth rate 42.89 % change on previous year (2025)
- Total reserves in months of imports, per unit of GDP 0 units per US$ of GDP (2025)
- Total reserves in months of imports, per capita 0 units per person (2025)
- Reserves excluding gold, foreign exchange (SDR), annual growth rate 0.9878 % change on previous year (2025)
- Reserves excluding gold, foreign exchange (SDR), per unit of GDP 0.0054 SDR per US$ of GDP (2025)
- Reserves excluding gold, foreign exchange (SDR), per capita 327.32 SDR per person (2025)
- Reserves excluding gold (SDR), annual growth rate 0.0842 % change on previous year (2025)
- Reserves excluding gold (SDR), per capita 889.69 SDR per person (2025)
Frequently asked questions
- What is bank cost to income ratio in Germany?
- Bank cost to income ratio in Germany was 88.6% in 2021, according to Bankscope, Bureau van Dijk (BvD).
- What is the highest bank cost to income ratio recorded in Germany?
- The highest recorded value was 97.2% in 2019.
- What is the lowest bank cost to income ratio recorded in Germany?
- The lowest recorded value was 63.3% in 2005.
- How does Germany rank for bank cost to income ratio?
- Germany ranks 5th out of 169 countries with data for 2021.
- Is bank cost to income ratio rising or falling in Germany?
- Over the last ten years it is up 6.1%. The long-run trend across the full record is rising.
- Where does this Germany data come from?
- The figures come from Bankscope, Bureau van Dijk (BvD), published as part of Bank cost to income ratio (%). Statizoid updates them automatically from the source API.
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About this data
Raw data are from Bankscope. Data2090 / (data2080 + data2085). All Numerator and denominator are first aggregated on the country level before division. Note that banks used in the calculation might differ between indicators. Calculated from underlying bank-by-bank unconsolidated data from Bankscope.