* indicates monthly or quarterly data series

Bank cost to income ratio, in percent, 2021:

The average for 2021 based on 40 countries was 60.48 percent. The highest value was in Switzerland: 94.5 percent and the lowest value was in Turkey: 39.46 percent. The indicator is available from 2000 to 2021. Below is a chart for all countries where data are available.

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


Countries Bank cost to income ratio, 2021 Global rank Available data
Switzerland 94.5 1 2000 - 2021
Cyprus 89.22 2 2000 - 2021
Germany 88.62 3 2000 - 2021
Montenegro 79.33 4 2003 - 2021
Malta 76.12 5 2000 - 2021
Spain 72.83 6 2000 - 2021
Austria 69.06 7 2000 - 2021
France 68.9 8 2000 - 2021
Luxembourg 64.5 9 2000 - 2021
UK 63.92 10 2000 - 2021
Hungary 63.86 11 2000 - 2021
Serbia 63.59 12 2000 - 2021
Bosnia & Herz. 62.8 13 2000 - 2021
Belgium 62.43 14 2000 - 2021
Netherlands 61.15 15 2000 - 2021
Estonia 60.97 16 2000 - 2021
Denmark 60.17 17 2000 - 2021
Belarus 60.06 18 2000 - 2021
Latvia 59.99 19 2000 - 2021
Italy 59.04 20 2000 - 2021
Russia 59 21 2000 - 2021
Portugal 57.88 22 2000 - 2021
Slovenia 57.61 23 2000 - 2021
Moldova 57.56 24 2000 - 2021
Slovakia 56.45 25 2000 - 2021
Ukraine 56.03 26 2000 - 2021
Poland 55.98 27 2000 - 2021
Romania 54.39 28 2000 - 2021
Greece 54.14 29 2004 - 2021
Albania 53.19 30 2000 - 2021
Finland 52.25 31 2000 - 2021
Croatia 51.77 32 2000 - 2021
Czechia 50.49 33 2000 - 2021
Bulgaria 49.37 34 2000 - 2021
Sweden 48.62 35 2000 - 2021
North Macedonia 48.55 36 2000 - 2021
Lithuania 46.61 37 2000 - 2021
Iceland 46.5 38 2000 - 2021
Norway 42.09 39 2000 - 2021
Turkey 39.46 40 2000 - 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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