Bank capital to assets ratio in Zambia
Zambia: Bank capital to assets ratio was 12.6% in 2025. ▼ Falling
Bank capital to assets ratio in Zambia, 2007–2025
Source: Financial Soundness Indicators, International Monetary Fund (IMF). Measured in %.
Analysis
Zambia recorded 12.6% for bank capital to assets ratio in 2025.
That represents a change of up 10.4% on the previous year and up 12.9% over ten years.
Over the whole period, bank capital to assets ratio in Zambia peaked at 17.5% in 2008 and was at its lowest, 3.5%, in 2009.
Zambia ranks 22nd of 146 countries on this measure, in the top quarter.
The long-run direction has been consistently falling across the 19 years of available data.
Bank capital to assets ratio in Zambia, year by year
| Year | % | Change |
|---|---|---|
| 2007 | 15.2% | — |
| 2008 | 17.5% | +14.8% |
| 2009 | 3.5% | -80.0% |
| 2010 | 9.0% | +156.9% |
| 2011 | 8.9% | -0.8% |
| 2012 | 11.0% | +23.1% |
| 2013 | 13.5% | +22.8% |
| 2014 | 13.7% | +2.0% |
| 2015 | 11.2% | -18.8% |
| 2016 | 12.1% | +8.3% |
| 2017 | 11.7% | -3.6% |
| 2018 | 11.2% | -4.3% |
| 2019 | 11.1% | -0.6% |
| 2020 | 8.5% | -23.5% |
| 2021 | 10.3% | +21.0% |
| 2022 | 10.1% | -1.2% |
| 2023 | 10.9% | +7.5% |
| 2024 | 11.4% | +4.8% |
| 2025 | 12.6% | +10.4% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 12.1% | 3.5% | 17.5% | 3 |
| 2010s | 11.3% | 8.9% | 13.7% | 10 |
| 2020s | 10.6% | 8.5% | 12.6% | 6 |
Countries ranked near Zambia
- 19 Mozambique 12.9% compare
- 20 Antigua and Barbuda 12.8% compare
- 21 Belarus 12.7% compare
- 23 Tanzania, United Republic of 12.5% compare
- 24 Rwanda 12.4% compare
- 25 Papua New Guinea 12.3% compare
More financial sector data for Zambia
- Net domestic credit (current LCU), per capita 7,869 current LCU per person (2025)
- Net domestic credit (current LCU), per unit of GDP 5.97 current LCU per US$ of GDP (2025)
- Net domestic credit (current LCU), annual growth rate 13.4 % change on previous year (2025)
- Gold reserves at 35 SDRs per ounce 0 SDR (2020)
- Gold reserves at market value 0 SDR (2020)
- Reserves excluding gold, foreign exchange 1.08 billion SDR (2024)
- Reserves excluding gold 3.14 billion SDR (2024)
- Total reserves (gold at market value) 3.14 billion SDR (2024)
- Total reserves (gold at national valuation) 3.14 billion SDR (2024)
- Total reserves (gold at national valuation) (SDR), per capita 147.13 SDR per person (2024)
Frequently asked questions
- What is bank capital to assets ratio in Zambia?
- Bank capital to assets ratio in Zambia was 12.6% in 2025, according to Financial Soundness Indicators, International Monetary Fund (IMF).
- What is the highest bank capital to assets ratio recorded in Zambia?
- The highest recorded value was 17.5% in 2008.
- What is the lowest bank capital to assets ratio recorded in Zambia?
- The lowest recorded value was 3.5% in 2009.
- How does Zambia rank for bank capital to assets ratio?
- Zambia ranks 22nd out of 146 countries with data for 2025.
- Is bank capital to assets ratio rising or falling in Zambia?
- Over the last ten years it is up 12.9%. The long-run trend across the full record is falling.
- Where does this Zambia 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.