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% |
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
- Net domestic credit (current LCU), per capita 7,869 current LCU per person (2025)
- Net domestic credit (current LCU), per unit of GDP 5.97 current LCU per US$ of GDP (2025)
- Net domestic credit (current LCU), annual growth rate 13.4 % change on previous year (2025)
- Gold reserves at 35 SDRs per ounce 0 SDR (2020)
- Gold reserves at market value 0 SDR (2020)
- Reserves excluding gold, foreign exchange 1.08 billion SDR (2024)
- Reserves excluding gold 3.14 billion SDR (2024)
- Total reserves (gold at market value) 3.14 billion SDR (2024)
- Total reserves (gold at national valuation) 3.14 billion SDR (2024)
- Total reserves (gold at national valuation) (SDR), per capita 147.13 SDR per person (2024)
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.
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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.