Ghana: Banking system z-scores

* indicates monthly or quarterly data series
 Ghana

Banking system z-scores

 Latest value 13.92
 Year 2021
 Measure index points
 Data availability 2005 - 2021
 Average 12.81
 Min - Max 9.61 - 14.69
 Source Bankscope
For that indicator, we provide data for Ghana from 2005 to 2021. The average value for Ghana during that period was 12.81 index points with a minimum of 9.61 index points in 2008 and a maximum of 14.69 index points in 2013. The latest value from 2021 is 13.92 index points. For comparison, the world average in 2021 based on 136 countries is 17.25 index points. 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 values chart
Ghana - Banking system z-scores - Recent values chart

Historical chart
Ghana - Banking system z-scores - historical chart - 2005-2021




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 value Reference Measure
 Bank cost to income ratio 45.45 2021 percent
 Non-performing loans 14.79 2022 percent
 Bank overhead cost 4.77 2021 percent
 Net interest margin 9.35 2021 percent
 Bank credit to deposits 42.88 2021 percent
 Regulatory capital to risk-weighted assets 19.83 2020 percent
 Return on assets 4.90 2021 percent
 Return on equity 32.20 2021 percent
 Banking system z-scores 13.92 2021 index points
 Liquid assets to deposits 42.70 2021 percent
 Banking system capital to assets 14.23 2020 percent
 Non-interest income to total income 31.29 2021 percent
 Legal rights 6.00 2019 points
 Credit information sharing 6.00 2019 points
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