Learn › Sector KPIs: banking (note: bank PCR ≠ options PCR)
Cost to Income
What a lender spends running itself — salaries, branches, collections — as a share of what it earns. Lower is leaner, and it is the one efficiency figure a lender controls directly.
Example
20% means ₹20 of every ₹100 earned goes on running the business, leaving ₹80 before credit costs and tax.