Bank Z-score

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Captures the probability of default of a country\'s banking system, calculated as a weighted average of the z-scores of a country\'s individual banks (the weights are based on the individual banks\' total assets). Z-score compares a bank\'s buffers (capitalization and returns) with the volatility of those returns.
Source: The World Bank: Global Financial Development    # of Reporting Countries: 200
Frequency: Annual    Earliest: 2012-12     Latest: 2015-12

2012-12 2013-12 2014-12 2015-12
1) Afghanistan
11.5
11.4
11.5
10
2) Albania
15.6
15.4
15.3
15.2
3) Algeria
20.7
21.3
19.7
22.1
4) Andorra
18.3
19.2
22.8
21.4
5) Angola
11.8
12.3
11
11.3
6) Antigua and Barbuda
32.6
30.2
28.2
30.1
7) Argentina
7.04
7.37
7.46
7.37
8) Armenia
10.8
10.2
8.74
9.22
9) Aruba
23.7
25.6
24.6
23.3
10) Australia
14.1
13.7
14.6
14.7
11) Austria
23
22.4
21.6
24.3
12) Azerbaijan
3.29
3.5
3.64
1.53
13) Bahamas
17.4
16.4
14.4
16.7
14) Bahrain
15.3
15.4
15.2
15
15) Bangladesh
5.31
7.83
7.77
7.71
16) Barbados
13.2
13.6
14
11
17) Belarus
2.92
3.1
3.17
2.88
18) Belgium
13.6
15
16.8
17.2
19) Belize
11.1
11.1
7.56
8.13
20) Benin
12.3
9.99
11.6
10.9
21) Bermuda
16.5
12.8
14.5
13.6
22) Bhutan
43.3
44.5
45.2
53.6
23) Bolivia
10.7
9.74
9.96
9.42
24) Bosnia Herzegovina
7.89
7.42
7.97
7.86
25) Botswana
10.2
11.1
11.2
9.5
26) Brazil
11.1
10.7
12.2
11.5
27) Brunei
6.93
10
8.33
9.95
28) Bulgaria
8.7
8.52
8.55
8.52
29) Burkina Faso
7.89
8.15
7.38
6.81
30) Burundi
12.9
10.9
12.1
11.9
31) Cambodia
10.4
10.3
10.2
9.66
32) Cameroon
11.2
13.6
10.3
9.74
33) Canada
13
13
14.3
13.7
34) Cape Verde
24.1
24.7
23.3
23
35) Cayman Islands
21
17
14.9
10.4
36) Central African Republic
9.71
7.42
37) Chad
11.7
11.3
12.1
38) Chile
7.67
7.8
7.75
7.12
39) China
25.6
25.8
29.4
28.6
40) Colombia
8.21
8
6.7
6.19
41) Congo
3.38
42) Costa Rica
19.6
17.6
18
18.2
43) Croatia
5.57
5.24
5.41
4.43
44) Cuba
9.78
10
21.4
10.8
45) Cyprus
5.69
6.24
5.76
6.71
46) Czech Republic
5.87
5.63
6.02
6.02
47) DR Congo
4.9
4.91
4.29
4.62
48) Denmark
8.83
10
7.8
8.92
49) Djibouti
17.5
18.9
15.6
14.6
50) Dominica
9.85
10.6
10.5
8.72
51) Dominican Republic
22.5
21.8
21.4
21.9
52) East Asia & Pacific (developing only)
10.4
8.85
9.65
6.17
53) Ecuador
4.44
4.12
4.62
5.05
54) Egypt
16.4
17.4
18.9
18.6
55) El Salvador
35.5
34.9
32
31
56) Equatorial Guinea
44.4
17.4
57) Estonia
7.62
8.78
9.34
7.69
58) Ethiopia
9.34
8.57
8.6
8.36
59) Euro area
10.1
8.78
11
10.3
60) Europe & Central Asia (developing only)
6.49
6.37
6.85
6.47
61) Finland
6.9
7.61
11
9.99
62) France
13.6
15.5
16.9
18.9
63) Gabon
13.1
16
11.1
11
64) Gambia
6.32
5.86
6.82
7.84
65) Georgia
6.02
6.31
6.22
5.3
66) Germany
15.7
19.1
22.1
21.6
67) Ghana
7.43
8.05
7.54
7.13
68) Greece
2.43
6.95
4.98
4.73
69) Grenada
15
12.1
11.7
11.9
70) Guatemala
22.6
22.9
23.2
23.1
71) Guinea Bissau
4.42
4.83
72) Guinea
5.77
5.56
5.66
4.19
73) Guyana
19.9
20.1
23.9
23.1
74) Haiti
20.1
23.4
18.1
23.1
75) High income
13.2
13.1
14.2
12.4
76) Honduras
26.8
26.2
37.1
23.1
77) Hong Kong
11.7
14.4
15.9
15.8
78) Hungary
3.9
4.27
2.88
3.7
79) Iceland
1.44
1.51
1.68
6.57
80) India
9.62
9.7
9.46
9.14
81) Indonesia
4.99
5.04
5.13
5.23
82) Iraq
21
24.3
28.8
30.8
83) Ireland
6.01
6.12
8.36
9.57
84) Israel
25.5
26.3
23.6
24.8
85) Italy
13.6
11
10
11.2
86) Ivory Coast
7.49
7.47
6.83
5.47
87) Jamaica
8.17
7.74
8.07
8.98
88) Japan
13.4
14.4
15.8
15.2
89) Jordan
32.7
33
32.7
31.1
90) Kazakhstan
4.98
4.39
3.73
3.04
91) Kenya
15.5
16.1
15.1
13.9
92) Kosovo
8.02
8.14
10.5
93) Kuwait
16.5
15
14.6
14.7
94) Kyrgyzstan
21.3
20.3
18.6
16.3
95) Laos
7.89
8.85
6.72
6.17
96) Latin America & Caribbean (developing only)
13.9
12.1
12.5
12
97) Latvia
5.68
5.98
5.98
6.15
98) Lebanon
21.5
21.1
25.4
23.5
99) Lesotho
9.04
8.25
8.6
8.44
100) Liberia
9.91
8.86
10.4
10.1
101) Libya
48.8
41.9
28.1
25.7
102) Lithuania
6.56
7.19
7.48
7.5
103) Low & middle income
10.3
10.2
10.9
10
104) Low income
9.34
8.15
7.99
7.84
105) Lower middle income
11.5
11.9
12
11.8
106) Luxembourg
33.1
34.6
35.6
37.7
107) Macau
11.8
11.1
20.1
24.3
108) Macedonia
5.29
5.48
5.42
5.63
109) Madagascar
4.92
5.7
6.32
6.94
110) Malawi
9.61
10.5
12
10.1
111) Malaysia
17.2
16.7
13.9
14
112) Maldives
7.68
9.74
8.73
10
113) Mali
10.5
9.68
7.02
6.09
114) Malta
19.8
19
11.7
10.6
115) Mauritania
18.6
21.1
17.8
19.7
116) Mauritius
16.8
16.5
11.3
12.1
117) Mexico
19.9
20.5
19
18.3
118) Micronesia
28.9
24.1
23.3
119) Middle East & North Africa (developing only)
20.4
20
21.8
22.2
120) Middle income
11.1
11.1
11.1
11
121) Moldova
6.49
5.94
5.05
6.47
122) Mongolia
22.3
21.3
23
25.5
123) Montenegro
4.16
6.73
7.93
6.36
124) Morocco
44.9
45.4
47.7
46.7
125) Mozambique
4.07
3.79
3.96
3.89
126) Myanmar
2.56
1.42
3.25
5.56
127) Namibia
8.86
7.58
8.1
7.53
128) Nepal
26.9
24.9
25
25.1
129) Netherlands
7.68
8.42
8.11
9.13
130) New Zealand
19.6
21.4
23.8
22.8
131) Nicaragua
11.9
12.1
12.1
12.5
132) Niger
9.96
9.97
9.39
13.7
133) Nigeria
16.1
15
14.3
14.8
134) Norway
7.12
7.58
7.53
9.16
135) Oman
18.7
19.6
18.4
18.3
136) Pakistan
11.8
10.6
11.9
11.2
137) Panama
44.7
42
44.7
42.5
138) Papua New Guinea
7.55
5.06
8.13
5.6
139) Paraguay
13.9
12.9
12.8
12.2
140) Peru
15.4
14.6
14.4
13.9
141) Philippines
18.5
15.8
16
15.9
142) Poland
8.61
8.4
8.57
8.3
143) Portugal
10.1
7.67
15.5
144) Qatar
27.5
25.3
24.4
23.6
145) Romania
4.85
5.33
3.83
6.01
146) Russia
5.9
5.88
4.28
4.34
147) Rwanda
7.1
6.33
6.32
6.47
148) Saint Lucia
2.67
4.76
5.09
4.03
149) Samoa
18.5
9.11
8.39
150) San Marino
8.78
9.93
8.6
9.21
151) Sao Tome and Principe
4.45
5.16
3.07
2.53
152) Saudi Arabia
14.5
14.4
14.4
14.9
153) Senegal
6.75
6.82
4.35
5.12
154) Serbia
13.9
13.6
13.4
13.4
155) Seychelles
10.5
8.8
7.65
9.8
156) Sierra Leone
4.79
4.59
4.74
5.43
157) Singapore
24.5
20.8
19.9
20.7
158) Slovakia
13.8
13.8
14.2
13.5
159) Slovenia
2.51
-0.34
4.21
4.95
160) South Africa
14.7
13.9
13.8
13.9
161) South Asia
11.6
11
11.3
10
162) South Korea
11.1
11
10.1
9.75
163) South Sudan
7.68
8.08
164) Spain
16.2
19.7
20.1
19.8
165) Sri Lanka
11.9
11.9
11
166) St Kitts Nevis
15.2
13.9
14.2
12.4
167) St Vincent Grenadines
10.9
11.6
168) Sub-Saharan Africa (developing only)
9.66
8.86
8.99
8.44
169) Sudan
25.7
23.8
170) Suriname
14.8
15.2
16.1
14.8
171) Swaziland
17.5
15.8
16.8
15.7
172) Sweden
10.8
12.3
11.8
13.1
173) Switzerland
10.7
13.1
11.4
12.3
174) Syria
7.2
6.94
12.4
13.8
175) Taiwan
11.4
10.7
11
11.2
176) Tajikistan
10.1
11.2
14
12.2
177) Tanzania
9.82
11.3
11.8
11.9
178) Togo
4.09
4.43
3.61
1.4
179) Trinidad and Tobago
26.1
23.5
24.6
30.9
180) Tunisia
15.4
15.7
24
22.3
181) Turkey
9.2
7.66
7.83
7.23
182) Turkmenistan
2.66
2.73
2.84
2.29
183) Uganda
11.6
10.7
10.9
10.3
184) Ukraine
5.83
5.8
4.84
185) United Arab Emirates
26.9
27.1
26.9
26.2
186) United Kingdom
6.52
7.51
9.05
9.83
187) United States
27.1
27.3
27.4
27.7
188) Upper middle income
10.6
10.7
10.7
9.75
189) Uruguay
6.05
5.74
5.64
5.1
190) Uzbekistan
6.56
6.37
6.85
6.62
191) Vanuatu
10.3
6.2
12.9
4.44
192) Venezuela
8.09
6.96
7.43
6.58
193) Vietnam
6.47
6.65
5.39
5.47
194) West Bank and Gaza
18.6
17.6
18.3
17.3
195) World
10.9
10.8
11.2
10.7
196) Yemen
20.1
16.7
17
18.2
197) Zambia
2.5
2.93
3.13
2.52
198) Zimbabwe
3.49
3.41
3.28
3.45
CSV