How efficient is your bank? Find out

The cost-to-income (CI) ratio is probably one of the most important ratios in the banking sector, yet it is not much talked about. It is also called the efficiency ratio as it indicates how efficiently a bank carries out its operations. It is calculated as follows: Cost-to-income ratio = Operating expenses/(Net interest income + Other income) The important thing to note here is that this ratio does not take provisions into account. Hence, even if a bank is fa