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 78th of 169 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.
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
- Domestic credit to private sector by banks 76.4% (2023)
- Total reserves in months of imports 3.11 (2025)
- Net domestic credit 6.05 trillion current LCU (2023)
- Net foreign assets 2.01 trillion current LCU (2023)
- Monetary Sector credit to private sector 77.3% (2023)
- Claims on central government, etc. 11.8% (2023)
- Domestic credit to private sector 77.3% (2023)
- Official exchange rate 0.885 LCU per US$, period average (2025)
- Net migration -334,072 (2025)
- GDP deflator: linked series 123.84 base year varies by country (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 78th out of 169 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.