Bank Z-score in Germany
Germany: Bank Z-score was 16.05 in 2021. ▲ Rising
Bank Z-score in Germany, 2000–2021
Source: Bankscope, Bureau van Dijk (BvD).
Analysis
The most recent figure for bank z-score in Germany is 16.05, measured in 2021.
That represents a change of up 3.8% on the previous year and up 39.6% over ten years.
Over the whole period, bank z-score in Germany peaked at 22.49 in 2018 and was at its lowest, 6.98, in 2008.
Germany ranks 79th of 170 countries on this measure, in the middle of the range.
The long-run direction has been consistently rising across the 22 years of available data.
Bank Z-score in Germany, year by year
| Year | Value | Change |
|---|---|---|
| 2000 | 15.08 | — |
| 2001 | 14.53 | -3.7% |
| 2002 | 13.23 | -8.9% |
| 2003 | 10.29 | -22.2% |
| 2004 | 9.65 | -6.2% |
| 2005 | 11.16 | +15.6% |
| 2006 | 11.11 | -0.4% |
| 2007 | 12.14 | +9.3% |
| 2008 | 6.98 | -42.5% |
| 2009 | 10.57 | +51.5% |
| 2010 | 12.42 | +17.4% |
| 2011 | 11.5 | -7.4% |
| 2012 | 12.78 | +11.2% |
| 2013 | 15.58 | +22.0% |
| 2014 | 16.6 | +6.5% |
| 2015 | 16.09 | -3.1% |
| 2016 | 16.76 | +4.2% |
| 2017 | 18.61 | +11.0% |
| 2018 | 22.49 | +20.9% |
| 2019 | 16.77 | -25.4% |
| 2020 | 15.47 | -7.7% |
| 2021 | 16.05 | +3.8% |
Germany compared with similar countries
- Germany's 16.05 is above the median for high income countries, which is 15.34, 1.0× the median. (63 countries reporting)
- Germany's 16.05 is above the median for Europe & Central Asia, which is 11.21, 1.4× the median. (50 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 11.48 | 6.98 | 15.08 | 10 |
| 2010s | 15.96 | 11.5 | 22.49 | 10 |
| 2020s | 15.76 | 15.47 | 16.05 | 2 |
Countries ranked near Germany
More financial sector data for Germany
- Reserve position in the IMF, US dollar, annual growth rate 12.11 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0.0019 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 115.41 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 6.76 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0.0014 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 84.27 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 12.11 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0.0019 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 115.41 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 6.76 % change on previous year (2025)
Frequently asked questions
- What is bank z-score in Germany?
- Bank z-score in Germany was 16.05 in 2021, according to Bankscope, Bureau van Dijk (BvD).
- What is the highest bank z-score recorded in Germany?
- The highest recorded value was 22.49 in 2018.
- What is the lowest bank z-score recorded in Germany?
- The lowest recorded value was 6.98 in 2008.
- How does Germany rank for bank z-score?
- Germany ranks 79th out of 170 countries with data for 2021.
- Is bank z-score rising or falling in Germany?
- Over the last ten years it is up 39.6%. The long-run trend across the full record is rising.
- Where does this Germany 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.