Final Ranking of SAR Countries Description  B'desh  India  Nepal  Pakistan  SL  Access to Finance  0.57  0.67  0.33  0.55  0.80  Performance & Efficiency  0.51  0.73  0.40  0.70  0.66  Stability  0.50  0.97  0.43  0.68  0.40  Corporate Governance  0.68  0.84  0.68  0.90  0.69  Total  2.25  3.21  1.84  2.83  2.55  Score [Total Points/4 (core indicators)]  0.56  0.80  0.46  0.71  0.64  Rank  4  1  5  2  3  Source: The World Bank  The efficiency of the banking system has improved, and can be gauged by the lower intermediation cost, which has fallen to 2.7% relative to 3.4% in the year 2000.
Average earning per share (EPS) has increased. Deposits and Assets per employee have also risen. Likewise, the cost to income ratio has decreased to 42% from 72% in the year 2000. Although some of the efficiency indicators have shown improvement but the problem of high spread belies the story. The very high spreads undermine the efficiency of the banking sector.