Bank cost-to-income ratios improve in Americas amid worldwide split

Thursday, August 1, 2019
By  Gabe LeDonne and Francis Garrido

Banks around the world showed mixed progress in their 2018 cost-to-income ratios, with the majority of countries in the Americas showing improvement, while most of those in the Middle East and Africa deteriorated, data collected by S&P Global Market Intelligence shows.

The cost-to-income ratio, which measures operating expense as a percentage of operating income, is used to gauge efficiency and productivity for banks. Lower ratios generally indicate higher efficiency, but a number of factors can affect the ratio, including a bank's business model and size.

Complete the form to read our full regional analyses:
Asia-Pacific: Major Chinese banks score high in efficiency among Asia-Pacific lenders
Europe: German banks lag European competitors in efficiency ranking; Noridics lead
Latin America: LatAm banks' cost-to-income ratios mostly improved in 2018
Middle East & Africa: Egypt leads bank efficiency decline in largest Middle Eastern, African economies

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