Banking system efficiency and stability
Time interval
1960-2021
Field display
| Banking System Efficiency and Stability - English Field | Banking System Efficiency and Stability - English Field | Indicator description |
|---|---|---|
| Country/Area | Country | |
| Code | Code | |
| ContinentCode | Continental Plate Code | |
| Year | Year | |
| Bank lending-deposit interest rate spread | Bank loan-deposit interest rate spread | Definition: Difference between the lending rate and the deposit rate. The lending rate is the rate charged by banks on loans to the private sector and the deposit interest rate is the rate offered by commercial banks on three-month deposits. |
| Bank cost to income ratio, in percent | Bank cost to income ratio, percentage | Definition: Operating expenses of a bank as a share of the sum of net-interest revenue and other operating income. The numerator and denominator are first aggregated on the country level before division. Note that banks used in the calculation might differ between indicators. Calculated from underlying bank-by-bank unconsolidated data from Bankscope. |
| Non-performing loans as percent of all bank loans | Nonperforming loans as a percentage of all bank loans | Definition: Bank nonperforming loans to total gross loans are the value of nonperforming loans divided by the total value of the loan portfolio (including nonperforming loans before the deduction of specific loan-loss provisions). The loan amount recorded as nonperforming should be the gross value of the loan as recorded on the balance sheet, not just the amount that is overdue. |
| Bank overhead costs, percent of total assets | Bank administrative expenses, as a percentage of total assets | Definition: Operating expenses of a bank as a share of the value of all assets held. Total assets include total earning assets, cash and due from banks, foreclosed real estate, fixed assets, goodwill, other intangibles, current tax assets, deferred tax assets, discontinued operations and other assets. The numerator and denominator are first aggregated on the country level before division. Note that banks used in the calculation might differ between indicators. Calculated from underlying bank-by-bank unconsolidated data from Bankscope.< /td> |
| Bank interest revenue, percent of interest-bearing assets | Bank interest income as a percentage of interest-earning assets | Definition: Accounting value of bank's net interest revenue as a share of its average interest-bearing (total earning) assets. The numerator and denominator are aggregated on the country level before division. Note that banks used in the calculation might differ between indicators. Calculated from underlying bank-by-bank unconsolidated data from Bankscope. |
| Bank credit as percent of bank deposits | Bank credit as a percentage of bank deposits | Definition: The financial resources provided to the private sector by domestic money banks as a share of total deposits. Domestic money banks comprise commercial banks and other financial institutions that accept transferable deposits, such as demand deposits. Total deposits include demand, time and saving deposits in deposit money banks. |
| Banking system regulatory capital to risk-weighted assets | Proportion of banking system regulatory capital to risk-weighted assets | Definition: The capital adequacy of deposit takers. It is a ratio of total regulatory capital to its assets held, weighted according to the risk of those assets. |
| Bank return on assets, in percent | Bank return on assets, percentage | Definition: Commercial banks' pre-tax income to yearly averaged total assets. The numerator and denominator are first aggregated on the country level before division. Note that banks used in the calculation might differ between indicators. Calculated from underlying bank-by -bank unconsolidated data from Bankscope. |
| Bank return on equity, in percent | Bank return on equity, percentage | Definition: Commercial banks' pre-tax income to yearly averaged equity. The numerator and denominator are first aggregated on the country level before division. Note that banks used in the calculation might differ between indicators. Calculated from underlying bank-by- bank unconsolidated data from Bankscope. |
| Banking system z-scores | Banking system z-score | Definition: The index captures the probability of default of a country's banking system. Z-score compares the buffer of a country's banking system (capitalization and returns) with the volatility of those returns. It is estimated as (ROA+(equity/ assets))/sd(ROA); sd(ROA) is the standard deviation of ROA. ROA, equity, and assets are country-level aggregate figures. Calculated from underlying bank-by-bank unconsolidated data from Bankscope. |
| Bank liquid assets to deposits and short-term funding | The ratio of bank liquid assets to deposits and short-term funds | Definition: The ratio of the value of liquid assets (easily converted to cash) to short-term funding plus total deposits. Liquid assets include cash and due from banks, trading securities and at fair value through income, loans and advances to banks, reverse repos and cash collaterals. Deposits and short term funding includes total customer deposits (current, savings and term) and short term borrowing (money market instruments, CDs and other deposits). |
| Banking system capital, percent of assets | Banking system capital, % of assets | Definition: Ratio of bank capital and reserves to total assets. Capital and reserves include funds contributed by owners, retained earnings, general and special reserves, provisions, and valuation adjustments. Capital includes tier 1 capital (paid-up shares and common stock), which is a common feature in all countries' banking systems, and total regulatory capital, which includes several specified types of subordinated debt instruments that need not be repaid if the funds are required to maintain minimum capital levels (these comprise tier 2 and tier 3 capital). Total assets include all nonfinancial and financial assets. Reported by IMF staff. Note that due to differences in national accounting, taxation, and supervisory regimes, these data are not strictly comparable across countries. |
| Bank non-interest income to total income, in percent | Proportion of bank non-interest income to total income, percentage | Definition: Bank's income that has been generated by noninterest related activities as a percentage of total income (net-interest income plus noninterest income). Noninterest related income includes net gains on trading and derivatives, net gains on other securities, net fees and commissions and other operating income. The number is only calculated when net-interest income is not negative. Note that banks used in the calculation might differ between indicators. Calculated from underlying bank-by-bank unconsolidated data from Bankscope. |
| Interest rates on bank credit to the private sector | Interest rates for bank credit to the private sector | Definition: Lending rate is the bank rate that usually meets the short- and medium-term financing needs of the private sector. This rate is normally differentiated according to creditworthiness of borrowers and objectives of financing. The terms and conditions attached to these rates differ by country, however, limiting their comparability. |
| Real interest rate: Bank lending rate minus inflation | Real interest rate: bank loan interest rate minus inflation rate | Definition: Real interest rate is the lending interest rate adjusted for inflation as measured by the GDP deflator. The terms and conditions attached to lending rates differ by country, however, limiting their comparability. |
| Index of legal rights for creditors and borrowers (0 = weak to 12 = strong) | Legal rights index of creditors and debtors (0=weak to 12=strong) | Definition: The strength of legal rights index measures whether certain features that facilitate lending exist within the applicable collateral and bankruptcy laws. The index ranges from 0 to 12 based on the methodology in the Doing Business 15-20 studies. |
| Credit information sharing index, 0 (low) - 8 (high) | Credit information sharing index, 0 (low)-8 (high) | Definition: The strength of legal rights index measures whether certain features that facilitate lending exist within the applicable collateral and bankruptcy laws. The index ranges from 0 to 12 based on the methodology in the Doing Business 15-20 studies. |
Sample data
| Country/Area | Code | ContinentCode | Year | Bank lending-deposit interest rate spread | Bank cost to income ratio, in percent | Non-performing loans as percent of all bank loans | Bank overhead costs, percent of total assets | Bank interest revenue, percent of interest-bearing assets | Bank credit as percent of bank deposits | Banking system regulatory capital to risk-weighted assets | Bank return on assets, in percent | Bank return on equity, in percent | Banking system z-scores | Bank liquid assets to deposits and short-term funding | Banking system capital, percent of assets | Bank non-interest income to total income, in percent | Interest rates on bank credit to the private sector | Index of legal rights for creditors and borrowers (0 = weak to 12 = strong) | Credit information sharing index, 0 (low) - 8 (high) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Country | Code | Continental Plate Code | Year | Bank loan-deposit interest rate spread | Bank cost to income ratio, percentage | Nonperforming loans as a percentage of all bank loans | Bank administrative expenses, as a percentage of total assets | Bank interest income as a percentage of interest-earning assets | Bank credit as a percentage of bank deposits | Proportion of banking system regulatory capital to risk-weighted assets | Bank return on assets, percentage | Bank return on equity, percentage | Banking system z-score | The ratio of bank liquid assets to deposits and short-term funds | Banking system capital, % of assets | Proportion of bank non-interest income to total income, percentage | Interest rates for bank credit to the private sector | Legal rights index of creditors and debtors (0=weak to 12=strong) | Credit information sharing index, 0 (low)-8 (high) |
| Afghanistan | AFG | AS | 1960 | 615.47 | |||||||||||||||
| Afghanistan | AFG | AS | 1961 | 420.96 | |||||||||||||||
| Afghanistan | AFG | AS | 1962 | 308.33 | |||||||||||||||
| Afghanistan | AFG | AS | 1963 | 316.03 | |||||||||||||||
| Afghanistan | AFG | AS | 1964 | 219.44 | |||||||||||||||
| Afghanistan | AFG | AS | 1965 | 182.35 | |||||||||||||||
| Afghanistan | AFG | AS | 1966 | 190.41 | |||||||||||||||
| Afghanistan | AFG | AS | 1967 | 193.59 | |||||||||||||||
| Afghanistan | AFG | AS | 1968 | 174.31 | |||||||||||||||
| Afghanistan | AFG | AS | 1969 | 124.73 | |||||||||||||||
| Afghanistan | AFG | AS | 1970 | 151.48 | |||||||||||||||
| Afghanistan | AFG | AS | 1971 | 108.31 | |||||||||||||||
| Afghanistan | AFG | AS | 1972 | 114.01 | |||||||||||||||
| Afghanistan | AFG | AS | 1973 | 129.33 | |||||||||||||||
| Afghanistan | AFG | AS | 1974 | 133.16 | |||||||||||||||
| Afghanistan | AFG | AS | 1975 | 100.34 | |||||||||||||||
| Afghanistan | AFG | AS | 1976 | 87.08 | |||||||||||||||
| Afghanistan | AFG | AS | 1977 | 71.66 | |||||||||||||||
| Afghanistan | AFG | AS | 1978 | 97.29 | |||||||||||||||
| Afghanistan | AFG | AS | 1979 | 99.88 | |||||||||||||||
| Afghanistan | AFG | AS | 1980 | 92.77 | |||||||||||||||
| Afghanistan | AFG | AS | 1981 | 67.79 | |||||||||||||||
| Afghanistan | AFG | AS | 2006 | 61.61 | 52.91 | 49 | 74.29 | 39.05 | 17.97 | ||||||||||
| Afghanistan | AFG | AS | 2007 | 98.08 | 7.62 | 8.21 | 59.41 | -0.55 | -2.27 | 31.97 | 42.16 | 20.91 | 18.14 | ||||||
| Afghanistan | AFG | AS | 2008 | 58.7 | 5.5 | 10.39 | 60.27 | 2.76 | 19.4 | 19.95 | 42 | 15.73 | 14.92 | ||||||
| Afghanistan | AFG | AS | 2009 | 63.03 | 6.04 | 11.03 | 56.99 | 1.6 | 11.36 | 26.69 | 54.16 | 21.33 | 15 | ||||||
| Afghanistan | AFG | AS | 2010 | 64.52 | 49.9 | 3.48 | 5.59 | 61.69 | 0.8 | 5.1 | 24.95 | 62.56 | 42.81 | 15.61 | |||||
| Afghanistan | AFG | AS | 2011 | 80.15 | 4.7 | 4.53 | 6.45 | 26.12 | -0.62 | 1.6 | 18.98 | 60.82 | 29.52 | 15.15 | |||||
| Afghanistan | AFG | AS | 2012 | 85.91 | 4.96 | 4.21 | 5.89 | 23 | 0.58 | 14.64 | 18.89 | 65.1 | 48.6 | 15 | |||||
| Afghanistan | AFG | AS | 2013 | 75.5 | 4.85 | 3.84 | 6.19 | 23.64 | 0.81 | 10.86 | 18.99 | 61.28 | 40.8 | 15.08 | 0 | ||||
| Afghanistan | AFG | AS | 2014 | 75.86 | 7.78 | 3.62 | 5.26 | 21.58 | 0.61 | 8.11 | 16.59 | 60.43 | 42.08 | 15 | 9 | 0 | |||
| Afghanistan | AFG | AS | 2015 | 73.97 | 12.05 | 3.05 | 4.5 | 22.07 | -0.04 | -0.24 | 16.87 | 66.62 | 45.61 | 15 | 9 | 0 | |||
| Afghanistan | AFG | AS | 2016 | 53.75 | 11.07 | 3.18 | 4.68 | 19.91 | 1.93 | 18.34 | 19.56 | 67.37 | 61.89 | 15 | 9 | 0 | |||
| Afghanistan | AFG | AS | 2017 | 79.78 | 12.2 | 3.23 | 3.85 | 19.45 | 0.88 | 8.06 | 17.73 | 66.06 | 53.94 | 14.84 | 9 | 0 | |||
| Afghanistan | AFG | AS | 2018 | 68.5 | 8.89 | 2.75 | 2.97 | 18.23 | 0.9 | 8.51 | 17 | 65.63 | 59.16 | 9 | 0 | ||||
| Afghanistan | AFG | AS | 2019 | 70.77 | 2.97 | 3.07 | 18.76 | 1.15 | 10.52 | 19.32 | 66.25 | 57.2 | 10 | 0 | |||||
| Afghanistan | AFG | AS | 2020 | 76.37 | 3.09 | 2.96 | 16.83 | 0.4 | 3.57 | 17.68 | 66.31 | 60.56 | 10 | ||||||
| Afghanistan | AFG | AS | 2021 | 64.39 | 2.68 | 1.72 | 1.37 | 11.05 | 24.92 | 72.38 | 79.01 | ||||||||
| Albania | ALB | EU | 1986 | 1 | |||||||||||||||
| Albania | ALB | EU | 1987 | 1 | |||||||||||||||
| Albania | ALB | EU | 1988 | 1 | |||||||||||||||
| Albania | ALB | EU | 1989 | 1 | |||||||||||||||
| Albania | ALB | EU | 1990 | 1 | |||||||||||||||
| Albania | ALB | EU | 1991 | 1 | |||||||||||||||
| Albania | ALB | EU | 1992 | 2.08 | 20.58 | ||||||||||||||
| Albania | ALB | EU | 1993 | 2.25 | 29.58 | ||||||||||||||
| Albania | ALB | EU | 1994 | 3.83 | 16.69 | 23.67 | |||||||||||||
| Albania | ALB | EU | 1995 | 4.35 | 12.74 | 19.65 | |||||||||||||
| Albania | ALB | EU | 1996 | 7.18 | 10.2 | 23.96 |
Data update frequency
Annual Update