Percentage Share in Total Operating Costs of Banks

Cost component

2006

2007

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

Average 2013-17

Employees salaries and benefits

40.0

40.8

41.0

42.8

40.4

41.5

42.2

43.0

43.9

43.4

43.9

44.2

43.7

Rental expenses on premises and equipment

5.0

5.1

5.0

5.6

5.8

6.3

6.2

6.2

6.0

6.6

7.2

7.0

6.6

Depreciation-premises and equipment

6.0

6.1

6.5

7.3

7.4

7.7

8.7

7.3

6.8

5.9

6.2

6.7

6.6

Utilities expenses

3.8

2.8

3.1

4.0

3.1

3.1

3.4

3.3

3.2

2.7

2.8

3.1

3.0

Insurance

2.2

2.3

2.1

2.2

2.3

2.7

2.3

2.4

2.4

2.4

2.4

2.5

2.4

Taxes and license fees

1.8

1.4

1.0

1.2

1.9

1.8

1.9

1.4

2.0

2.3

2.8

2.4

2.2

Other professional fees

1.4

2.3

0.7

0.8

1.2

1.7

1.9

1.3

1.8

1.6

1.6

1.4

1.5

Amortization-leasehold rights and improvements

0.5

0.5

0.6

0.6

0.6

0.7

0.7

0.9

1.0

0.9

1.0

1.2

1.0

Supervision and inspection fees/BOT charges/penalties

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.1

0.0

0.0

0.0

0.0

Management fees

0.8

1.4

2.1

−0.5

0.6

1.5

1.2

1.3

1.3

1.6

0.0

0.6

1.0

Auditors fees

0.6

0.4

0.4

0.5

0.5

0.4

0.4

0.4

0.4

0.4

0.4

0.5

0.4

Foreclosure and litigation expenses

0.3

0.3

0.3

0.3

0.3

0.3

0.2

0.2

0.2

0.2

0.3

0.2

0.2

Others

37.5

36.7

37.1

35.2

35.8

32.3

30.7

32.5

30.9

31.9

31.3

30.2

31.4