As of September 2022, the South African banking industry's cost-to-income ratio reached percent. This was lower compared to December of the previous year. The cost-to-income ratio is a key financial measure to aid a bank's valuation. It is calculated by dividing operating costs by operating income, and as such, a lower ratio indicates a more profitable bank.
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SARB. (November 7, 2022). Cost-to-income ratio of the banking industry in South Africa from 2013 to 2022 [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved August 02, 2026, from /statistics/1349303/cost-to-income-ratio-south-africa/
SARB. "Cost-to-income ratio of the banking industry in South Africa from 2013 to 2022." Chart. November 7, 2022. ÌÇÐÄÆƽâ°æ. Accessed August 02, 2026. /statistics/1349303/cost-to-income-ratio-south-africa/
SARB. (2022). Cost-to-income ratio of the banking industry in South Africa from 2013 to 2022. ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: August 02, 2026. /statistics/1349303/cost-to-income-ratio-south-africa/
SARB. "Cost-to-income Ratio of The Banking Industry in South Africa from 2013 to 2022." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 7 Nov 2022, /statistics/1349303/cost-to-income-ratio-south-africa/
SARB, Cost-to-income ratio of the banking industry in South Africa from 2013 to 2022 ÌÇÐÄÆƽâ°æ, /statistics/1349303/cost-to-income-ratio-south-africa/ (last visited August 02, 2026)
Cost-to-income ratio of the banking industry in South Africa from 2013 to 2022 [Graph], SARB, November 7, 2022. [Online]. Available: /statistics/1349303/cost-to-income-ratio-south-africa/
