Bank cost to income ratio (%) in Zambia
Zambia: Bank cost to income ratio (%) was 57.2% in 2021. ▼ Falling
Bank cost to income ratio in Zambia, 2000–2021
Source: Bankscope, Bureau van Dijk (BvD). Measured in %.
Analysis
In 2021, bank cost to income ratio in Zambia stood at 57.2%. That is the lowest value across all 22 years on record.
Compared with earlier readings it is down 10.5% on the previous year and down 15.1% over ten years.
Over the whole period, bank cost to income ratio in Zambia peaked at 94.3% in 2003 and was at its lowest, 57.2%, in 2021.
That places Zambia 71st out of 169 countries with data for 2021, putting it in the middle of the range.
The long-run direction has been consistently falling across the 22 years of available data.
Bank cost to income ratio (%) in Zambia, year by year
| Year | % | Change |
|---|---|---|
| 2000 | 66.1% | — |
| 2001 | 89.5% | +35.4% |
| 2002 | 80.6% | -10.0% |
| 2003 | 94.3% | +17.1% |
| 2004 | 74.3% | -21.2% |
| 2005 | 70.1% | -5.7% |
| 2006 | 63.9% | -8.9% |
| 2007 | 63.7% | -0.3% |
| 2008 | 61.4% | -3.5% |
| 2009 | 61.0% | -0.8% |
| 2010 | 72.1% | +18.3% |
| 2011 | 67.4% | -6.6% |
| 2012 | 63.9% | -5.1% |
| 2013 | 62.2% | -2.7% |
| 2014 | 60.3% | -3.1% |
| 2015 | 64.5% | +7.1% |
| 2016 | 65.5% | +1.5% |
| 2017 | 62.5% | -4.6% |
| 2018 | 64.5% | +3.4% |
| 2019 | 63.6% | -1.5% |
| 2020 | 63.9% | +0.5% |
| 2021 | 57.2% | -10.5% |
Zambia compared with similar countries
- Zambia's 57.2% is above the median for lower middle income countries, which is 53.9%, 1.1× the median. (38 countries reporting)
- Zambia's 57.2% is above the median for Sub-Saharan Africa, which is 55.5%, 1.0× the median. (40 countries reporting)
Biggest year-on-year movements
Years where Bank cost to income ratio (%) in Zambia changed far more than this series normally does. A large move can be a real event or a change in how the figure was measured — the source note below says who published it.
| Year | Change | From | To |
|---|---|---|---|
| 2001 | +35.4% | 66.1% | 89.5% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 72.5% | 61.0% | 94.3% | 10 |
| 2010s | 64.6% | 60.3% | 72.1% | 10 |
| 2020s | 60.5% | 57.2% | 63.9% | 2 |
Countries ranked near Zambia
More financial sector data for Zambia
- Reserve position in the IMF, US dollar, annual growth rate 5.01 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 0.0011 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 0 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 0.0008 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 5.01 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 0.0011 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 0 % change on previous year (2025)
Frequently asked questions
- What is bank cost to income ratio in Zambia?
- Bank cost to income ratio in Zambia was 57.2% in 2021, according to Bankscope, Bureau van Dijk (BvD).
- What is the highest bank cost to income ratio recorded in Zambia?
- The highest recorded value was 94.3% in 2003.
- What is the lowest bank cost to income ratio recorded in Zambia?
- The lowest recorded value was 57.2% in 2021.
- How does Zambia rank for bank cost to income ratio?
- Zambia ranks 71st out of 169 countries with data for 2021.
- Is bank cost to income ratio rising or falling in Zambia?
- Over the last ten years it is down 15.1%. The long-run trend across the full record is falling.
- Where does this Zambia 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.
Download this data
CSV · JSON — 22 observations, free to reuse under CC BY 4.0 (World Bank Open Data).
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.