Bank Z-score in Ghana
Ghana: Bank Z-score was 13.92 in 2021. ▲ Rising
Bank Z-score in Ghana, 2005–2021
Source: Bankscope, Bureau van Dijk (BvD).
Analysis
Ghana recorded 13.92 for bank z-score in 2021.
That represents a change of down 1.6% on the previous year and up 17.9% over ten years.
Over the whole period, bank z-score in Ghana peaked at 14.69 in 2013 and was at its lowest, 9.61, in 2008.
That places Ghana 96th out of 169 countries with data for 2021, putting it in the middle of the range.
The long-run direction has been consistently rising across the 17 years of available data.
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 11.25 | 9.61 | 12.92 | 5 |
| 2010s | 13.34 | 11.81 | 14.69 | 10 |
| 2020s | 14.04 | 13.92 | 14.16 | 2 |
Countries ranked near Ghana
More financial sector data for Ghana
- Domestic credit to private sector by banks 8.2% (2024)
- Total reserves in months of imports 1.64 (2024)
- Net domestic credit 269.34 billion current LCU (2024)
- Net foreign assets 60.01 billion current LCU (2024)
- Monetary Sector credit to private sector 8.9% (2024)
- Broad money 29.9% (2024)
- Claims on central government, etc. 12.8% (2024)
- Domestic credit to private sector 8.9% (2024)
- Official exchange rate 12.56 LCU per US$, period average (2025)
- Net migration -17,079 (2025)
Frequently asked questions
- What is bank z-score in Ghana?
- Bank z-score in Ghana was 13.92 in 2021, according to Bankscope, Bureau van Dijk (BvD).
- What is the highest bank z-score recorded in Ghana?
- The highest recorded value was 14.69 in 2013.
- What is the lowest bank z-score recorded in Ghana?
- The lowest recorded value was 9.61 in 2008.
- How does Ghana rank for bank z-score?
- Ghana ranks 96th out of 169 countries with data for 2021.
- Is bank z-score rising or falling in Ghana?
- Over the last ten years it is up 17.9%. The long-run trend across the full record is rising.
- Where does this Ghana 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 — 17 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.