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 |