Georgia: Banking system z-scores

* indicates monthly or quarterly data series
 Georgia

Banking system z-scores

 Latest value 7.91
 Year 2021
 Measure index points
 Data availability 2000 - 2021
 Average 9.48
 Min - Max 6.23 - 14.81
 Source Bankscope
The latest value from 2021 is 7.91 index points, an increase from 6.23 index points in 2020. In comparison, the world average is 17.25 index points, based on data from 136 countries. Historically, the average for Georgia from 2000 to 2021 is 9.48 index points. The minimum value, 6.23 index points, was reached in 2020 while the maximum of 14.81 index points was recorded in 2002. See the global rankings for that indicator or use the country comparator to compare trends over time.
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* indicates monthly or quarterly data series


Recent data
Georgia - Banking system z-scores - Recent values chart

Historical series
Georgia - Banking system z-scores - historical chart - 2000-2021




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 1.58 2020 interest rate points
 Bank cost to income ratio 38.33 2021 percent
 Non-performing loans 1.51 2022 percent
 Bank overhead cost 2.27 2021 percent
 Net interest margin 5.43 2021 percent
 Bank credit to deposits 140.33 2021 percent
 Regulatory capital to risk-weighted assets 17.59 2020 percent
 Return on assets 3.59 2021 percent
 Return on equity 26.18 2021 percent
 Banking system z-scores 7.91 2021 index points
 Liquid assets to deposits 21.27 2021 percent
 Banking system capital to assets 9.94 2020 percent
 Non-interest income to total income 26.18 2021 percent
 Lending interest rate 13.51 2023 percent
 Real interest rate 10.77 2023 percent
 Legal rights 9.00 2019 points
 Credit information sharing 8.00 2019 points
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