Question: What does operating efficiency ratio measure? Describe what this graph shows over the three years in SNB bank And what does that mean? table

What does operating efficiency ratio measure? Describe what this graph shows over the three years in SNB bank And what does that mean?
\table[[year,percenteg],[2021,0.64],[2022,0.4],[2023,0.44]]
What does operating efficiency ratio measure? Describe what this graph shows

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