Germany vs Portugal: Bank Z-score

Germany
16.05
in 2021
Portugal
16.09
in 2021
Germany rank
78th
Portugal rank
77th

Bank Z-score over time

  • Germany
  • Portugal
5101520200020102021

How they compare

Portugal currently reports 16.09 against 16.05 in Germany, a difference of 0.04.

The two have swapped places 3 times across 22 shared years of data; in 2000 it was Germany ahead.

Germany ranks 78th and Portugal ranks 77th of 169 countries.

Across the 3 decades both report, Germany averaged higher in 2 and Portugal in 1.

Head to head by decade

Decade Germany Portugal Difference Ahead
2000s 11.48 11.06 0.4162 Germany
2010s 15.96 12.28 3.68 Germany
2020s 15.76 15.82 0.0638 Portugal

Averages of every year both report within each decade.

Frequently asked questions

Which has higher bank z-score, Germany or Portugal?
Portugal, at 16.09 against 16.05 in Germany as of 2021.
What is the difference in bank z-score between Germany and Portugal?
0.04, with Portugal ahead.
How many years of comparable data are there for Germany and Portugal?
22 years are reported by both, from 2000 to 2021.
How do Germany and Portugal rank globally for bank z-score?
Germany ranks 78th and Portugal ranks 77th of 169 countries.
Where does this data come from?
Bankscope, Bureau van Dijk (BvD), published as Bank Z-score. Statizoid refreshes it automatically from the source and publishes the full history for both places.

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Germany vs Portugal: Bank Z-score. Statizoid, drawing on Bankscope, Bureau van Dijk (BvD). Retrieved 18 August 2026, from https://financial-sector.statizoid.com/compare/bank-z-score/germany/portugal/

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About this data

Indicator
Bank Z-score
Source
Bankscope, Bureau van Dijk (BvD)
Licence
CC BY 4.0 (World Bank Open Data)
Coverage
169 places, 3,285 data points, 2000–2021
Last refreshed

It 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.