Bank capital to assets ratio in Estonia
Estonia: Bank capital to assets ratio was 8.5% in 2025. ▲ Rising
Bank capital to assets ratio in Estonia, 2008–2025
Source: Financial Soundness Indicators, International Monetary Fund (IMF). Measured in %.
Analysis
In 2025, bank capital to assets ratio in Estonia stood at 8.5%.
Compared with earlier readings it is up 0.5% on the previous year and down 43.4% over ten years.
Over the whole period, bank capital to assets ratio in Estonia peaked at 15.0% in 2015 and was at its lowest, 7.1%, in 2008.
That places Estonia 87th out of 146 countries with data for 2025, putting it in the middle of the range.
The long-run direction has been consistently rising across the 18 years of available data.
Bank capital to assets ratio in Estonia, year by year
| Year | % | Change |
|---|---|---|
| 2008 | 7.1% | — |
| 2009 | 8.7% | +21.3% |
| 2010 | 9.0% | +4.0% |
| 2011 | 8.2% | -8.9% |
| 2012 | 9.0% | +10.3% |
| 2013 | 9.9% | +9.1% |
| 2014 | 10.7% | +8.2% |
| 2015 | 15.0% | +40.9% |
| 2016 | 14.0% | -7.2% |
| 2017 | 13.1% | -6.2% |
| 2018 | 12.7% | -3.0% |
| 2019 | 12.1% | -4.7% |
| 2020 | 10.5% | -12.9% |
| 2021 | 9.3% | -12.1% |
| 2022 | 9.5% | +2.8% |
| 2023 | 9.3% | -1.9% |
| 2024 | 8.5% | -9.3% |
| 2025 | 8.5% | +0.5% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 7.9% | 7.1% | 8.7% | 2 |
| 2010s | 11.4% | 8.2% | 15.0% | 10 |
| 2020s | 9.3% | 8.5% | 10.5% | 6 |
Countries ranked near Estonia
More financial sector data for Estonia
- Reserves excluding gold, foreign exchange (SDR), annual growth rate 14.71 % change on previous year (2025)
- Reserves excluding gold, foreign exchange (SDR), per unit of GDP 0.0296 SDR per US$ of GDP (2025)
- Reserves excluding gold, foreign exchange (SDR), per capita 1,020 SDR per person (2025)
- Reserves excluding gold (SDR), annual growth rate 11.47 % change on previous year (2025)
- Reserves excluding gold (SDR), per capita 1,285 SDR per person (2025)
- Total reserves (gold at market value) (SDR), annual growth rate 11.95 % change on previous year (2025)
- Total reserves (gold at market value) (SDR), per capita 1,303 SDR per person (2025)
- Total reserves (gold at national valuation) (SDR), annual growth rate 11.9 % change on previous year (2025)
- Total reserves (gold at national valuation) (SDR), per capita 1,303 SDR per person (2025)
- Total reserves in months of imports, annual growth rate 6.94 % change on previous year (2025)
Frequently asked questions
- What is bank capital to assets ratio in Estonia?
- Bank capital to assets ratio in Estonia was 8.5% in 2025, according to Financial Soundness Indicators, International Monetary Fund (IMF).
- What is the highest bank capital to assets ratio recorded in Estonia?
- The highest recorded value was 15.0% in 2015.
- What is the lowest bank capital to assets ratio recorded in Estonia?
- The lowest recorded value was 7.1% in 2008.
- How does Estonia rank for bank capital to assets ratio?
- Estonia ranks 87th out of 146 countries with data for 2025.
- Is bank capital to assets ratio rising or falling in Estonia?
- Over the last ten years it is down 43.4%. The long-run trend across the full record is rising.
- Where does this Estonia data come from?
- The figures come from Financial Soundness Indicators, International Monetary Fund (IMF), published as part of Bank capital to assets ratio (%). Statizoid updates them automatically from the source API.
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About this data
The indicator is a measure of capital adequacy that evaluates the financial strength of deposit takers by comparing Tier 1 capital to total assets. Tier 1 capital, often referred to as core capital, includes the most stable and readily available forms of capital, such as common equity, disclosed reserves, retained earnings, and certain other instruments that meet regulatory requirements under the Basel framework. This capital is considered the highest quality because it is fully available to cover losses and does not need to be repaid.