Bank Z-score in Finland
Finland: Bank Z-score was 17.11 in 2021. ▬ Flat
Bank Z-score in Finland, 2000–2021
Source: Bankscope, Bureau van Dijk (BvD).
Analysis
Finland recorded 17.11 for bank z-score in 2021.
Compared with earlier readings it is down 4.0% on the previous year and up 102.9% over ten years.
Over the whole period, bank z-score in Finland peaked at 24.81 in 2004 and was at its lowest, 8.44, in 2011.
That places Finland 69th out of 170 countries with data for 2021, putting it in the middle of the range.
Bank Z-score in Finland, year by year
| Year | Value | Change |
|---|---|---|
| 2000 | 13.11 | — |
| 2001 | 10.3 | -21.4% |
| 2002 | 11.6 | +12.6% |
| 2003 | 10.5 | -9.4% |
| 2004 | 24.81 | +136.2% |
| 2005 | 24.36 | -1.8% |
| 2006 | 24.56 | +0.8% |
| 2007 | 18.32 | -25.4% |
| 2008 | 13.08 | -28.6% |
| 2009 | 12.95 | -0.9% |
| 2010 | 10.77 | -16.8% |
| 2011 | 8.44 | -21.7% |
| 2012 | 8.52 | +1.0% |
| 2013 | 9.56 | +12.2% |
| 2014 | 9.07 | -5.1% |
| 2015 | 11.06 | +21.9% |
| 2016 | 15.04 | +36.1% |
| 2017 | 13.97 | -7.1% |
| 2018 | 17.2 | +23.1% |
| 2019 | 16.28 | -5.4% |
| 2020 | 17.84 | +9.5% |
| 2021 | 17.11 | -4.0% |
Finland compared with similar countries
- Finland's 17.11 is above the median for high income countries, which is 15.34, 1.1× the median. (63 countries reporting)
- Finland's 17.11 is above the median for Europe & Central Asia, which is 11.21, 1.5× the median. (50 countries reporting)
Biggest year-on-year movements
Years where Bank Z-score in Finland changed far more than this series normally does. A large move can be a real event or a change in how the figure was measured — the source note below says who published it.
| Year | Change | From | To |
|---|---|---|---|
| 2004 | +136.2% | 10.5 | 24.81 |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 16.36 | 10.3 | 24.81 | 10 |
| 2010s | 11.99 | 8.44 | 17.2 | 10 |
| 2020s | 17.47 | 17.11 | 17.84 | 2 |
Countries ranked near Finland
More financial sector data for Finland
- Reserve position in the IMF, US dollar, annual growth rate 7.97 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0.0027 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 151.59 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 2.82 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0.002 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 110.69 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 7.97 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0.0027 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 151.59 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 2.82 % change on previous year (2025)
Frequently asked questions
- What is bank z-score in Finland?
- Bank z-score in Finland was 17.11 in 2021, according to Bankscope, Bureau van Dijk (BvD).
- What is the highest bank z-score recorded in Finland?
- The highest recorded value was 24.81 in 2004.
- What is the lowest bank z-score recorded in Finland?
- The lowest recorded value was 8.44 in 2011.
- How does Finland rank for bank z-score?
- Finland ranks 69th out of 170 countries with data for 2021.
- Is bank z-score rising or falling in Finland?
- Over the last ten years it is up 102.9%. The long-run trend across the full record is flat.
- Where does this Finland data come from?
- The figures come from Bankscope, Bureau van Dijk (BvD), published as part of Bank Z-score. Statizoid updates them automatically from the source API.
Download this data
CSV · JSON — 22 observations, free to reuse under CC BY 4.0 (World Bank Open Data).
About this data
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.