Democratic Republic of the Congo: Banking system z-scores

* indicates monthly or quarterly data series
 Democratic Republic of the Congo

Banking system z-scores

 Latest value 5.64
 Year 2020
 Measure index points
 Data availability 2000 - 2020
 Average 9.35
 Min - Max 5.64 - 18.38
 Source Bankscope
 Available for Data download
The latest value from 2020 is 5.64 index points, a decline from 7.42 index points in 2019. In comparison, the world average is 16.69 index points, based on data from 151 countries. Historically, the average for Democratic Republic of the Congo from 2000 to 2020 is 9.35 index points. The minimum value, 5.64 index points, was reached in 2020 while the maximum of 18.38 index points was recorded in 2000. See the global rankings for that indicator or use the country comparator to compare trends over time.
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 Recent values Democratic Republic of the Congo: Banking system z-scores
 2020 5.64
 2019 7.42
 2018 8.55
 2017 7.10
 2016 7.48
 2015 8.89
 2014 10.60
 2013 9.77




Definition: The index 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.

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 Related indicators Latest Reference Measure
 Lending-deposit interest rate spread 19.76 2020 interest rate points
 Bank cost to income ratio 81.90 2020 percent
 Non-performing loans 4.92 2025 percent
 Bank overhead cost 6.16 2020 percent
 Net interest margin 5.52 2020 percent
 Bank credit to deposits 34.64 2021 percent
 Return on assets -0.31 2020 percent
 Return on equity -3.72 2020 percent
 Banking system z-scores 5.64 2020 index points
 Liquid assets to deposits 75.43 2020 percent
 Non-interest income to total income 52.03 2020 percent
 Lending interest rate 23.29 2021 percent
 Real interest rate -3.53 2021 percent
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