New Zealand: Bank cost to income ratio

* indicates monthly or quarterly data series
 New Zealand

Bank cost to income ratio, in percent

 Latest value 42.57
 Year 2021
 Measure percent
 Data availability 2006 - 2021
 Average 43.90
 Min - Max 39.16 - 51.89
 Source Bankscope
The latest value from 2021 is 42.57 percent, a decline from 46.19 percent in 2020. In comparison, the world average is 54.80 percent, based on data from 133 countries. Historically, the average for New Zealand from 2006 to 2021 is 43.9 percent. The minimum value, 39.16 percent, was reached in 2018 while the maximum of 51.89 percent was recorded in 2006. See the global rankings or world map for that indicator or use the country comparator to compare trends over time.
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* indicates monthly or quarterly data series


Recent data
New Zealand - Bank cost to income ratio - Recent values chart

Historical series
New Zealand - Bank cost to income ratio - historical chart - 2006-2021




Definition: Operating expenses of a bank as a share of the sum of net-interest revenue and other operating income. The 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.

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 Related indicators Latest Reference Measure
 Lending-deposit interest rate spread 1.46 2017 interest rate points
 Bank cost to income ratio 42.57 2021 percent
 Bank overhead cost 1.00 2021 percent
 Net interest margin 2.11 2021 percent
 Bank credit to deposits 131.90 2021 percent
 Regulatory capital to risk-weighted assets 13.50 2015 percent
 Return on assets 1.38 2021 percent
 Return on equity 17.33 2021 percent
 Banking system z-scores 44.78 2021 index points
 Liquid assets to deposits 20.39 2021 percent
 Banking system capital to assets 7.30 2015 percent
 Non-interest income to total income 18.27 2021 percent
 Lending interest rate 4.76 2017 percent
 Real interest rate 1.10 2017 percent
 Legal rights 12.00 2019 points
 Credit information sharing 8.00 2019 points
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