The efficiency ratio of the banking industry in Brazil declined overall for each category between December 2019 and December 2024, albeit with some fluctuations. The declining ratio indicates higher efficiency, as the banking sector is generating more income relative to its operating expenses. In December 2024, digital banks had an efficiency ratio of **** percent, the lowest ratio recorded during this period.Â
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Central Bank of Brazil, & Federação Brasileira de Bancos. (May 14, 2025). Efficiency ratio of the banking industry in Brazil from December 2019 to December 2024 [Graph]. In ÌÇÐÄÆÆ½â°æ. Retrieved July 30, 2026, from /statistics/1488355/brazil-efficiency-ratio-of-banking-industry/
Central Bank of Brazil, und Federação Brasileira de Bancos. "Efficiency ratio of the banking industry in Brazil from December 2019 to December 2024." Chart. May 14, 2025. ÌÇÐÄÆÆ½â°æ. Accessed July 30, 2026. /statistics/1488355/brazil-efficiency-ratio-of-banking-industry/
Central Bank of Brazil, Federação Brasileira de Bancos. (2025). Efficiency ratio of the banking industry in Brazil from December 2019 to December 2024. ÌÇÐÄÆÆ½â°æ. ÌÇÐÄÆÆ½â°æ Inc.. Accessed: July 30, 2026. /statistics/1488355/brazil-efficiency-ratio-of-banking-industry/
Central Bank of Brazil, and Federação Brasileira de Bancos. "Efficiency Ratio of The Banking Industry in Brazil from December 2019 to December 2024." ÌÇÐÄÆÆ½â°æ, ÌÇÐÄÆÆ½â°æ Inc., 14 May 2025, /statistics/1488355/brazil-efficiency-ratio-of-banking-industry/
Central Bank of Brazil & Federação Brasileira de Bancos, Efficiency ratio of the banking industry in Brazil from December 2019 to December 2024 ÌÇÐÄÆÆ½â°æ, /statistics/1488355/brazil-efficiency-ratio-of-banking-industry/ (last visited July 30, 2026)
Efficiency ratio of the banking industry in Brazil from December 2019 to December 2024 [Graph], Central Bank of Brazil, & Federação Brasileira de Bancos, May 14, 2025. [Online]. Available: /statistics/1488355/brazil-efficiency-ratio-of-banking-industry/