Bank cost to income ratio (%) by country
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.
Countries reporting
169
Highest
94.5%
Switzerland
Lowest
10.5%
Syria
Median
55.0%
Years covered
22
2000–2021
Data points
3,210
What the numbers show
Bank cost to income ratio (%) is currently reported for 169 countries. The highest value is 94.5% in Switzerland; the lowest is 10.5% in Syria.
The median across all reporting countries is 55.0%, and the mean is 55.2%.
The gap between the highest and lowest reporting country is a factor of about 9.
Over the past decade 79 countries rose and 88 fell. The largest increase was in Iraq (up 157.4%), and the largest decrease in Syria (down 77.6%).
Bank cost to income ratio: full country ranking
| # | Country | Latest | Year | 10-year change | Trend |
|---|---|---|---|---|---|
| 1 | Switzerland | 94.5% | 2021 | up 23.2% | rising |
| 2 | Iraq | 92.4% | 2021 | up 157.4% | rising |
| 3 | Sudan | 91.3% | 2012 | up 43.1% | rising |
| 4 | Cyprus | 89.2% | 2021 | up 63.1% | rising |
| 5 | Germany | 88.6% | 2021 | up 6.1% | rising |
| 6 | San Marino | 85.5% | 2019 | down 26.2% | rising |
| 7 | Democratic Republic of Congo | 81.9% | 2020 | down 4.8% | flat |
| 8 | Montenegro | 79.3% | 2021 | up 29.2% | rising |
| 9 | Venezuela | 78.0% | 2021 | up 30.2% | rising |
| 10 | Lesotho | 77.6% | 2021 | up 36.4% | rising |
| 11 | South Sudan | 76.2% | 2019 | up 14.9% | rising |
| 12 | Malta | 76.1% | 2021 | up 41.3% | rising |
| 13 | Cayman Islands | 75.0% | 2012 | down 64.2% | volatile |
| 14 | Curacao | 74.7% | 2021 | up 22.5% | rising |
| 15 | Laos | 74.7% | 2021 | up 5.3% | falling |
| 16 | Andorra | 73.7% | 2020 | up 28.4% | rising |
| 17 | Spain | 72.8% | 2021 | up 47.9% | rising |
| 18 | Bolivia | 71.0% | 2021 | up 12.3% | falling |
| 19 | Benin | 69.2% | 2019 | up 6.9% | flat |
| 20 | Bermuda | 69.1% | 2021 | up 0.9% | falling |
| 21 | Austria | 69.1% | 2021 | up 15.3% | rising |
| 22 | France | 68.9% | 2021 | down 2.6% | flat |
| 23 | Togo | 68.6% | 2019 | up 0.1% | flat |
| 24 | Ecuador | 67.9% | 2021 | up 4.9% | falling |
| 25 | Colombia | 67.8% | 2021 | up 12.1% | falling |
| 26 | Kyrgyzstan | 67.8% | 2021 | up 11.0% | rising |
| 27 | Jamaica | 67.3% | 2021 | up 35.0% | rising |
| 28 | Suriname | 66.1% | 2019 | up 9.1% | rising |
| 29 | Chad | 65.9% | 2016 | up 7.7% | rising |
| 30 | Niger | 65.7% | 2019 | up 27.4% | falling |
| 31 | Belize | 65.3% | 2020 | up 21.9% | rising |
| 32 | Nigeria | 65.0% | 2021 | down 2.8% | volatile |
| 33 | Luxembourg | 64.5% | 2021 | up 23.8% | rising |
| 34 | Gambia | 64.5% | 2020 | up 0.7% | rising |
| 35 | Afghanistan | 64.4% | 2021 | down 19.7% | flat |
| 36 | El Salvador | 64.2% | 2021 | up 41.9% | rising |
| 37 | Djibouti | 64.2% | 2019 | up 21.8% | flat |
| 38 | United Kingdom | 63.9% | 2021 | up 4.1% | rising |
| 39 | Hungary | 63.9% | 2021 | up 6.3% | rising |
| 40 | Honduras | 63.8% | 2021 | down 5.7% | rising |
| 41 | South Korea | 63.7% | 2021 | up 51.9% | rising |
| 42 | Serbia | 63.6% | 2021 | down 26.1% | rising |
| 43 | Senegal | 63.4% | 2020 | up 1.3% | rising |
| 44 | Dominican Republic | 63.4% | 2021 | down 12.0% | falling |
| 45 | Bosnia and Herzegovina | 62.8% | 2021 | down 5.0% | flat |
| 46 | United States | 62.7% | 2021 | up 3.7% | flat |
| 47 | Belgium | 62.4% | 2021 | up 4.9% | falling |
| 48 | Costa Rica | 62.4% | 2021 | down 5.6% | falling |
| 49 | Taiwan | 61.7% | 2021 | up 10.9% | rising |
| 50 | Netherlands | 61.2% | 2021 | up 0.5% | flat |
| 51 | South Africa | 61.0% | 2021 | up 6.0% | rising |
| 52 | Estonia | 61.0% | 2021 | up 139.3% | falling |
| 53 | Japan | 60.6% | 2021 | up 0.1% | rising |
| 54 | Trinidad and Tobago | 60.4% | 2021 | down 14.4% | rising |
| 55 | Denmark | 60.2% | 2021 | down 10.1% | flat |
| 56 | Belarus | 60.1% | 2021 | down 31.7% | falling |
| 57 | Latvia | 60.0% | 2021 | up 9.7% | flat |
| 58 | Azerbaijan | 59.5% | 2021 | down 10.2% | falling |
| 59 | Italy | 59.0% | 2021 | down 19.7% | rising |
| 60 | Russia | 59.0% | 2021 | down 35.5% | falling |
| 61 | Botswana | 58.4% | 2021 | up 23.0% | rising |
| 62 | Mali | 58.4% | 2020 | down 16.1% | flat |
| 63 | Fiji | 58.3% | 2021 | up 11.0% | flat |
| 64 | Portugal | 57.9% | 2021 | down 7.3% | rising |
| 65 | Nicaragua | 57.7% | 2021 | up 1.8% | falling |
| 66 | Eswatini | 57.6% | 2019 | down 3.7% | falling |
| 67 | Slovenia | 57.6% | 2021 | down 3.5% | flat |
| 68 | Moldova | 57.6% | 2021 | up 0.8% | rising |
| 69 | Gabon | 57.6% | 2019 | up 14.1% | rising |
| 70 | Canada | 57.3% | 2021 | down 4.6% | falling |
| 71 | Zambia | 57.2% | 2021 | down 15.1% | falling |
| 72 | Slovakia | 56.5% | 2021 | up 5.7% | falling |
| 73 | Sierra Leone | 56.1% | 2019 | down 31.0% | rising |
| 74 | Ukraine | 56.0% | 2021 | down 12.5% | falling |
| 75 | Poland | 56.0% | 2021 | up 4.2% | falling |
| 76 | Paraguay | 55.9% | 2021 | down 17.6% | falling |
| 77 | Liberia | 55.9% | 2021 | down 45.1% | falling |
| 78 | Saint Lucia | 55.8% | 2018 | down 5.5% | falling |
| 79 | Brazil | 55.8% | 2021 | down 2.3% | flat |
| 80 | Guinea | 55.5% | 2020 | down 24.5% | falling |
| 81 | Ethiopia | 55.4% | 2021 | up 123.9% | rising |
| 82 | Haiti | 55.4% | 2021 | down 20.6% | falling |
| 83 | Uruguay | 55.1% | 2021 | down 20.9% | falling |
| 84 | Uganda | 55.0% | 2021 | up 2.8% | rising |
| 85 | Guatemala | 55.0% | 2021 | down 9.9% | falling |
| 86 | Mozambique | 54.9% | 2021 | down 22.6% | falling |
| 87 | Tanzania | 54.8% | 2021 | down 16.5% | rising |
| 88 | Mexico | 54.4% | 2021 | down 15.8% | falling |
| 89 | Romania | 54.4% | 2021 | down 0.7% | flat |
| 90 | Angola | 54.2% | 2021 | up 30.5% | rising |
| 91 | Bhutan | 54.2% | 2021 | up 67.9% | rising |
| 92 | Argentina | 54.1% | 2021 | down 13.3% | falling |
| 93 | Greece | 54.1% | 2021 | down 26.1% | falling |
| 94 | Australia | 54.1% | 2021 | up 22.5% | falling |
| 95 | Israel | 53.9% | 2021 | down 24.9% | falling |
| 96 | Panama | 53.6% | 2021 | down 6.7% | flat |
| 97 | Namibia | 53.6% | 2021 | down 8.3% | falling |
| 98 | Seychelles | 53.2% | 2020 | up 59.4% | rising |
| 99 | Albania | 53.2% | 2021 | down 1.4% | falling |
| 100 | Cote d'Ivoire | 52.9% | 2021 | down 32.2% | falling |
| 101 | Myanmar | 52.8% | 2021 | up 1.5% | flat |
| 102 | Madagascar | 52.5% | 2020 | down 17.6% | rising |
| 103 | Finland | 52.2% | 2021 | up 8.6% | rising |
| 104 | Malawi | 52.0% | 2021 | down 3.3% | rising |
| 105 | Philippines | 51.9% | 2021 | down 13.1% | falling |
| 106 | Croatia | 51.8% | 2021 | up 1.8% | falling |
| 107 | Bahrain | 51.7% | 2021 | up 37.3% | rising |
| 108 | Cape Verde | 51.7% | 2021 | down 18.5% | falling |
| 109 | Pakistan | 51.6% | 2021 | down 31.7% | falling |
| 110 | Hong Kong | 50.6% | 2021 | down 25.0% | flat |
| 111 | Czechia | 50.5% | 2021 | up 13.8% | falling |
| 112 | Mauritania | 50.2% | 2020 | down 3.0% | rising |
| 113 | Zimbabwe | 49.7% | 2021 | down 27.7% | rising |
| 114 | Cameroon | 49.7% | 2020 | down 20.5% | rising |
| 115 | Ireland | 49.6% | 2019 | up 155.8% | rising |
| 116 | Jordan | 49.5% | 2021 | up 4.8% | falling |
| 117 | Bulgaria | 49.4% | 2021 | down 2.4% | falling |
| 118 | Burundi | 49.2% | 2021 | down 19.8% | falling |
| 119 | Peru | 49.2% | 2021 | down 1.1% | falling |
| 120 | Bahamas | 48.7% | 2021 | up 15.5% | rising |
| 121 | Sweden | 48.6% | 2021 | down 14.5% | falling |
| 122 | Oman | 48.6% | 2021 | up 2.2% | rising |
| 123 | North Macedonia | 48.5% | 2021 | down 25.9% | falling |
| 124 | Bangladesh | 48.3% | 2021 | up 30.2% | rising |
| 125 | Yemen | 48.1% | 2019 | up 36.7% | rising |
| 126 | India | 47.8% | 2021 | up 5.0% | falling |
| 127 | Armenia | 47.6% | 2021 | down 14.4% | falling |
| 128 | Indonesia | 47.2% | 2021 | down 3.5% | falling |
| 129 | Morocco | 47.1% | 2021 | down 6.4% | falling |
| 130 | Tunisia | 46.9% | 2021 | down 11.6% | falling |
| 131 | Lithuania | 46.6% | 2021 | down 21.7% | falling |
| 132 | Iceland | 46.5% | 2021 | up 78.3% | falling |
| 133 | Mongolia | 46.4% | 2021 | up 8.6% | falling |
| 134 | Guyana | 46.1% | 2021 | up 0.4% | falling |
| 135 | Ghana | 45.4% | 2021 | down 26.4% | falling |
| 136 | Singapore | 45.4% | 2021 | up 14.3% | rising |
| 137 | Chile | 45.2% | 2021 | down 11.5% | falling |
| 138 | Thailand | 44.6% | 2021 | down 6.6% | falling |
| 139 | Nepal | 44.5% | 2021 | down 2.0% | falling |
| 140 | Sri Lanka | 43.5% | 2021 | down 21.8% | falling |
| 141 | Malaysia | 43.4% | 2021 | up 17.7% | rising |
| 142 | Burkina Faso | 43.2% | 2020 | down 23.8% | falling |
| 143 | Tajikistan | 43.1% | 2021 | down 59.9% | falling |
| 144 | Rwanda | 43.0% | 2021 | down 38.8% | falling |
| 145 | New Zealand | 42.6% | 2021 | down 11.5% | falling |
| 146 | Uzbekistan | 42.3% | 2021 | down 32.5% | falling |
| 147 | Kenya | 42.2% | 2021 | down 20.5% | falling |
| 148 | Norway | 42.1% | 2021 | down 15.7% | falling |
| 149 | Cambodia | 42.0% | 2021 | down 15.5% | flat |
| 150 | Mauritius | 41.9% | 2021 | up 9.4% | flat |
| 151 | Kuwait | 40.8% | 2021 | up 39.5% | rising |
| 152 | Turkey | 39.5% | 2021 | down 15.6% | falling |
| 153 | United Arab Emirates | 39.0% | 2021 | up 19.0% | rising |
| 154 | Lebanon | 38.9% | 2020 | down 24.0% | falling |
| 155 | Georgia | 38.3% | 2021 | down 37.7% | falling |
| 156 | Saudi Arabia | 38.0% | 2021 | up 4.5% | falling |
| 157 | Egypt | 35.3% | 2021 | down 31.9% | falling |
| 158 | Vietnam | 34.7% | 2021 | down 17.6% | flat |
| 159 | Algeria | 32.7% | 2020 | down 11.4% | falling |
| 160 | China | 31.8% | 2021 | down 10.7% | falling |
| 161 | Kazakhstan | 29.9% | 2021 | down 50.1% | falling |
| 162 | Macao | 29.7% | 2021 | down 41.8% | falling |
| 163 | Libya | 28.9% | 2020 | down 50.6% | rising |
| 164 | Maldives | 27.6% | 2020 | — | flat |
| 165 | Cuba | 26.0% | 2020 | up 66.8% | volatile |
| 166 | Qatar | 24.2% | 2021 | up 4.1% | falling |
| 167 | Turkmenistan | 22.0% | 2019 | — | flat |
| 168 | Barbados | 19.9% | 2016 | down 61.0% | falling |
| 169 | Syria | 10.5% | 2021 | down 77.6% | volatile |
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.