Bank cost to income ratio - Country rankings

* indicates monthly or quarterly data series

Bank cost to income ratio, in percent, 2021:

The average for 2021 based on 133 countries was 54.8 percent. The highest value was in Switzerland: 94.5 percent and the lowest value was in Syria: 10.52 percent. The indicator is available from 2000 to 2021. Below is a chart for all countries where data are available.

Measure: percent; Source: Bankscope
Select indicator
* indicates monthly or quarterly data series


Countries Bank cost to income ratio, 2021 Global rank Available data
Switzerland 94.5 1 2000 - 2021
Iraq 92.41 2 2005 - 2021
Cyprus 89.22 3 2000 - 2021
Germany 88.62 4 2000 - 2021
Montenegro 79.33 5 2003 - 2021
Venezuela 77.95 6 2000 - 2021
Lesotho 77.63 7 2000 - 2021
Malta 76.12 8 2000 - 2021
Laos 74.68 9 2009 - 2021
Spain 72.83 10 2000 - 2021
Bolivia 71 11 2000 - 2021
Bermuda 69.14 12 2009 - 2021
Austria 69.06 13 2000 - 2021
France 68.9 14 2000 - 2021
Ecuador 67.87 15 2000 - 2021
Colombia 67.84 16 2000 - 2021
Kyrgyzstan 67.78 17 2001 - 2021
Jamaica 67.27 18 2002 - 2021
Nigeria 65.04 19 2000 - 2021
Luxembourg 64.5 20 2000 - 2021
Afghanistan 64.39 21 2006 - 2021
El Salvador 64.2 22 2000 - 2021
UK 63.92 23 2000 - 2021
Hungary 63.86 24 2000 - 2021
Honduras 63.85 25 2000 - 2021
South Korea 63.74 26 2000 - 2021
Serbia 63.59 27 2000 - 2021
Domin. Rep. 63.4 28 2000 - 2021
Bosnia & Herz. 62.8 29 2000 - 2021
USA 62.73 30 2000 - 2021
Belgium 62.43 31 2000 - 2021
Costa Rica 62.41 32 2000 - 2021
Taiwan 61.71 33 2000 - 2021
Netherlands 61.15 34 2000 - 2021
South Africa 61.01 35 2000 - 2021
Estonia 60.97 36 2000 - 2021
Japan 60.57 37 2000 - 2021
Tr.&Tobago 60.36 38 2000 - 2021
Denmark 60.17 39 2000 - 2021
Belarus 60.06 40 2000 - 2021
Latvia 59.99 41 2000 - 2021
Azerbaijan 59.5 42 2000 - 2021
Italy 59.04 43 2000 - 2021
Russia 59 44 2000 - 2021
Botswana 58.45 45 2000 - 2021
Fiji 58.3 46 2015 - 2021
Portugal 57.88 47 2000 - 2021
Nicaragua 57.65 48 2000 - 2021
Slovenia 57.61 49 2000 - 2021
Moldova 57.56 50 2000 - 2021
Canada 57.35 51 2000 - 2021
Zambia 57.16 52 2000 - 2021
Slovakia 56.45 53 2000 - 2021
Ukraine 56.03 54 2000 - 2021
Poland 55.98 55 2000 - 2021
Paraguay 55.89 56 2000 - 2021
Liberia 55.86 57 2015 - 2021
Brazil 55.83 58 2000 - 2021
Ethiopia 55.42 59 2000 - 2021
Haiti 55.41 60 2003 - 2021
Uruguay 55.15 61 2000 - 2021
Uganda 55.01 62 2000 - 2021
Guatemala 54.99 63 2000 - 2021
Mozambique 54.89 64 2000 - 2021
Tanzania 54.8 65 2004 - 2021
Mexico 54.41 66 2000 - 2021
Romania 54.39 67 2000 - 2021
Angola 54.17 68 2001 - 2021
Bhutan 54.16 69 2013 - 2021
Argentina 54.15 70 2000 - 2021
Greece 54.14 71 2004 - 2021
Australia 54.07 72 2000 - 2021
Israel 53.88 73 2000 - 2021
Panama 53.65 74 2000 - 2021
Namibia 53.63 75 2005 - 2021
Albania 53.19 76 2000 - 2021
Ivory Coast 52.86 77 2000 - 2021
Burma 52.81 78 2012 - 2021
Finland 52.25 79 2000 - 2021
Malawi 52 80 2000 - 2021
Philippines 51.94 81 2003 - 2021
Croatia 51.77 82 2000 - 2021
Bahrain 51.67 83 2000 - 2021
Cape Verde 51.67 84 2008 - 2021
Pakistan 51.55 85 2000 - 2021
Hong Kong 50.56 86 2000 - 2021
Czechia 50.49 87 2000 - 2021
Zimbabwe 49.74 88 2001 - 2021
Jordan 49.55 89 2000 - 2021
Bulgaria 49.37 90 2000 - 2021
Burundi 49.18 91 2008 - 2021
Peru 49.17 92 2000 - 2021
Bahamas 48.66 93 2000 - 2021
Sweden 48.62 94 2000 - 2021
Oman 48.57 95 2000 - 2021
North Macedonia 48.55 96 2000 - 2021
Bangladesh 48.34 97 2000 - 2021
India 47.82 98 2000 - 2021
Armenia 47.56 99 2000 - 2021
Indonesia 47.22 100 2000 - 2021
Morocco 47.1 101 2000 - 2021
Tunisia 46.93 102 2000 - 2021
Lithuania 46.61 103 2000 - 2021
Iceland 46.5 104 2000 - 2021
Mongolia 46.43 105 2000 - 2021
Guyana 46.07 106 2000 - 2021
Ghana 45.45 107 2005 - 2021
Singapore 45.36 108 2000 - 2021
Chile 45.21 109 2000 - 2021
Thailand 44.62 110 2000 - 2021
Nepal 44.46 111 2000 - 2021
Sri Lanka 43.49 112 2011 - 2021
Malaysia 43.43 113 2000 - 2021
Tajikistan 43.11 114 2005 - 2021
Rwanda 42.97 115 2003 - 2021
New Zealand 42.57 116 2006 - 2021
Uzbekistan 42.27 117 2000 - 2021
Kenya 42.18 118 2000 - 2021
Norway 42.09 119 2000 - 2021
Cambodia 41.97 120 2002 - 2021
Mauritius 41.92 121 2001 - 2021
Kuwait 40.83 122 2000 - 2021
Turkey 39.46 123 2000 - 2021
UA Emirates 39.04 124 2000 - 2021
Georgia 38.33 125 2000 - 2021
Saudi Arabia 38.03 126 2000 - 2021
Egypt 35.34 127 2000 - 2021
Vietnam 34.74 128 2000 - 2021
China 31.75 129 2000 - 2021
Kazakhstan 29.94 130 2000 - 2021
Macao 29.65 131 2000 - 2021
Qatar 24.17 132 2000 - 2021
Syria 10.52 133 2005 - 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.
1. Switzerland
2. Iraq
3. Cyprus
4. Germany
5. Montenegro
6. Venezuela
7. Lesotho
8. Malta
9. Laos
10. Spain
11. Bolivia
12. Bermuda
13. Austria
14. France
15. Ecuador
16. Colombia
17. Kyrgyzstan
18. Jamaica
19. Nigeria
20. Luxembourg
21. Afghanistan
22. El Salvador
23. UK
24. Hungary
25. Honduras
26. South Korea
27. Serbia
28. Domin. Rep.
29. Bosnia & Herz.
30. USA
31. Belgium
32. Costa Rica
33. Taiwan
34. Netherlands
35. South Africa
36. Estonia
37. Japan
38. Tr.&Tobago
39. Denmark
40. Belarus
41. Latvia
42. Azerbaijan
43. Italy
44. Russia
45. Botswana
46. Fiji
47. Portugal
48. Nicaragua
49. Slovenia
50. Moldova
51. Canada
52. Zambia
53. Slovakia
54. Ukraine
55. Poland
56. Paraguay
57. Liberia
58. Brazil
59. Ethiopia
60. Haiti
61. Uruguay
62. Uganda
63. Guatemala
64. Mozambique
65. Tanzania
66. Mexico
67. Romania
68. Angola
69. Bhutan
70. Argentina
71. Greece
72. Australia
73. Israel
74. Panama
75. Namibia
76. Albania
77. Ivory Coast
78. Burma
79. Finland
80. Malawi
81. Philippines
82. Croatia
83. Bahrain
84. Cape Verde
85. Pakistan
86. Hong Kong
87. Czechia
88. Zimbabwe
89. Jordan
90. Bulgaria
91. Burundi
92. Peru
93. Bahamas
94. Sweden
95. Oman
96. North Macedonia
97. Bangladesh
98. India
99. Armenia
100. Indonesia
101. Morocco
102. Tunisia
103. Lithuania
104. Iceland
105. Mongolia
106. Guyana
107. Ghana
108. Singapore
109. Chile
110. Thailand
111. Nepal
112. Sri Lanka
113. Malaysia
114. Tajikistan
115. Rwanda
116. New Zealand
117. Uzbekistan
118. Kenya
119. Norway
120. Cambodia
121. Mauritius
122. Kuwait
123. Turkey
124. UA Emirates
125. Georgia
126. Saudi Arabia
127. Egypt
128. Vietnam
129. China
130. Kazakhstan
131. Macao
132. Qatar
133. Syria
94.50
92.41
89.22
88.62
79.33
77.95
77.63
76.12
74.68
72.83
71.00
69.14
69.06
68.90
67.87
67.84
67.78
67.27
65.04
64.50
64.39
64.20
63.92
63.86
63.85
63.74
63.59
63.40
62.80
62.73
62.43
62.41
61.71
61.15
61.01
60.97
60.57
60.36
60.17
60.06
59.99
59.50
59.04
59.00
58.45
58.30
57.88
57.65
57.61
57.56
57.35
57.16
56.45
56.03
55.98
55.89
55.86
55.83
55.42
55.41
55.15
55.01
54.99
54.89
54.80
54.41
54.39
54.17
54.16
54.15
54.14
54.07
53.88
53.65
53.63
53.19
52.86
52.81
52.25
52.00
51.94
51.77
51.67
51.67
51.55
50.56
50.49
49.74
49.55
49.37
49.18
49.17
48.66
48.62
48.57
48.55
48.34
47.82
47.56
47.22
47.10
46.93
46.61
46.50
46.43
46.07
45.45
45.36
45.21
44.62
44.46
43.49
43.43
43.11
42.97
42.57
42.27
42.18
42.09
41.97
41.92
40.83
39.46
39.04
38.33
38.03
35.34
34.74
31.75
29.94
29.65
24.17
10.52
0
23.6
47.3
70.9
94.5
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