In the first quarter of 2025, which banks have low CIR ratios...

According to many experts, the CIR ratio of the entire banking industry in the first quarter of 2025 has decreased. In addition, according to Wichart's statistics from the financial reports of the first quarter of 2025 of 27 listed banks, the average cost-to-income ratio (CIR) of the entire banking industry by the end of the first quarter of 2025 reached 31.32%, down from previous periods.

Contrasting picture of CIR ratio of banks in Q1/2025

Among the 27 banks, many banks recorded a CIR ratio in the first quarter of 2025 lower than the average of the last 12 months. Specifically, as of March 31, 2025, SHB was the bank with the lowest CIR ratio in the system, reaching 17.51%, down from the average of 23.99% in the last 12 months. Followed by SeABank with a CIR ratio in the first quarter of 2025 of 17.77%, lower than the average of 27.4% in the last 12 months. These are also the only two banks in the system to record a CIR ratio below 20% in the first quarter of 2025.

Other banks with the lowest CIR ratio in the system in the first quarter of 2025 include VPBank (24.89%), VietinBank (26.98%), LPBank (28.04%), Techcombank (28.29%), Vietcombank (32.74%) and BIDV (33%).

In contrast, although it has decreased significantly compared to the average rate of the last 12 months, the CIR ratio in the first quarter of 2025 of some banks is still anchored at a high level, such as SaigonBank (51.75%), KienLong Bank (51.05%), STB (50.37%),...

The CIR ratio is an indicator that reflects the operational efficiency of each bank. The lower the CIR ratio, the higher the operational efficiency of the bank, because the bank spends less money to generate a dollar of revenue. However, in reality, the CIR ratio of each bank not only reflects the operational efficiency but is also significantly influenced by the development strategy at each stage.

For example, banks in the process of expanding their scale or increasing investment in infrastructure and technology often record increased operating costs, causing the CIR ratio to be temporarily high. However, when the projects are completed and put into operation, the value created will gradually be reflected in business efficiency, helping the CIR ratio to gradually improve./.

Source: https://baodaknong.vn/quy-i-2025-nhung-ngan-hang-nao-co-ty-le-cir-thap-nhat-252082.html