Banking Stability

Raw value is a Nomadino 0-100 point value for banking-system stability. It combines public World Bank data on non-performing loans, bank capital, bank Z-score, liquidity and credit-to-deposit pressure, plus a crisis and deposit-access factor. Higher is better and the score equals the raw value.
1 Luxembourg89 points 89 points 89
1 Sweden89 points 89 points 89
3 Brunei88 points 88 points 88
3 Kosovo88 points 88 points 88
5 Austria87 points 87 points 87
5 Panama87 points 87 points 87
7 Dominican Republic86 points 86 points 86
7 Hong Kong86 points 86 points 86
9 American Samoa85 points 85 points 85
9 Guam85 points 85 points 85
9 Liechtenstein85 points 85 points 85
9 Nicaragua85 points 85 points 85
9 Northern Mariana Islands85 points 85 points 85
9 Puerto Rico85 points 85 points 85
9 U.S. Virgin Islands85 points 85 points 85
9 United States85 points 85 points 85
17 British Virgin Islands84 points 84 points 84
17 Gibraltar84 points 84 points 84
17 Montserrat84 points 84 points 84
17 Rwanda84 points 84 points 84
17 Saudi Arabia84 points 84 points 84
17 Singapore84 points 84 points 84
17 Switzerland84 points 84 points 84
17 Trinidad and Tobago84 points 84 points 84
17 Turks and Caicos Islands84 points 84 points 84
17 United Kingdom84 points 84 points 84
27 Brazil83 points 83 points 83
27 France83 points 83 points 83
27 French Guiana83 points 83 points 83
27 Guadeloupe83 points 83 points 83
27 Kuwait83 points 83 points 83
27 Lesotho83 points 83 points 83
27 Malaysia83 points 83 points 83
27 Martinique83 points 83 points 83
27 Mayotte83 points 83 points 83
27 Mexico83 points 83 points 83
27 New Caledonia83 points 83 points 83
27 Réunion83 points 83 points 83
27 Saint Pierre and Miquelon83 points 83 points 83
27 Saint-Martin83 points 83 points 83
27 Tahiti83 points 83 points 83
27 Wallis and Futuna83 points 83 points 83
43 Cambodia82 points 82 points 82
43 Cook Islands82 points 82 points 82
43 Costa Rica82 points 82 points 82
43 El Salvador82 points 82 points 82
43 Finland82 points 82 points 82
43 Germany82 points 82 points 82
43 Grenada82 points 82 points 82
43 Israel82 points 82 points 82
43 Malta82 points 82 points 82
43 New Zealand82 points 82 points 82
43 Niue82 points 82 points 82
43 Oman82 points 82 points 82
43 Uganda82 points 82 points 82
43 United Arab Emirates82 points 82 points 82
57 Albania81 points 81 points 81
57 Aruba81 points 81 points 81
57 Bosnia and Herzegovina81 points 81 points 81
57 Denmark81 points 81 points 81
57 Faroe Islands81 points 81 points 81
57 Greenland81 points 81 points 81
57 Ireland81 points 81 points 81
57 Netherlands81 points 81 points 81
57 Norway81 points 81 points 81
57 Philippines81 points 81 points 81
57 Sint Maarten81 points 81 points 81
68 Armenia80 points 80 points 80
68 Chinese Taipei80 points 80 points 80
68 Guatemala80 points 80 points 80
68 Jordan80 points 80 points 80
68 Palestine80 points 80 points 80
68 Romania80 points 80 points 80
68 Samoa80 points 80 points 80
68 Solomon Islands80 points 80 points 80
76 Czech Republic79 points 79 points 79
76 Honduras79 points 79 points 79
76 Micronesia79 points 79 points 79
76 Qatar79 points 79 points 79
80 Australia78 points 78 points 78
80 Canada78 points 78 points 78
80 Estonia78 points 78 points 78
80 Gambia78 points 78 points 78
80 Latvia78 points 78 points 78
80 North Macedonia78 points 78 points 78
80 Paraguay78 points 78 points 78
80 Portugal78 points 78 points 78
80 Slovakia78 points 78 points 78
80 Spain78 points 78 points 78
80 Tonga78 points 78 points 78
91 Barbados77 points 77 points 77
91 Belarus77 points 77 points 77
91 Bhutan77 points 77 points 77
91 Croatia77 points 77 points 77
91 Djibouti77 points 77 points 77
91 Fiji77 points 77 points 77
91 India77 points 77 points 77
91 Iraq77 points 77 points 77
91 Italy77 points 77 points 77
91 Lithuania77 points 77 points 77
91 Mauritius77 points 77 points 77
91 Nepal77 points 77 points 77
91 Papua New Guinea77 points 77 points 77
91 Peru77 points 77 points 77
91 Saint Vincent and the Grenadines77 points 77 points 77
91 Swaziland77 points 77 points 77
91 Tanzania77 points 77 points 77
91 Thailand77 points 77 points 77
91 Turkey77 points 77 points 77
91 Uruguay77 points 77 points 77
111 Belgium76 points 76 points 76
111 Botswana76 points 76 points 76
111 Bulgaria76 points 76 points 76
111 China76 points 76 points 76
111 Indonesia76 points 76 points 76
111 Jamaica76 points 76 points 76
111 Macau76 points 76 points 76
111 Malawi76 points 76 points 76
111 Maldives76 points 76 points 76
111 Morocco76 points 76 points 76
111 Namibia76 points 76 points 76
122 Bahrain75 points 75 points 75
122 Gabon75 points 75 points 75
122 Guinea75 points 75 points 75
122 Japan75 points 75 points 75
122 Kazakhstan75 points 75 points 75
122 Kyrgyzstan75 points 75 points 75
122 Slovenia75 points 75 points 75
122 South Africa75 points 75 points 75
122 Zambia75 points 75 points 75
131 Azerbaijan74 points 74 points 74
131 Central African Republic74 points 74 points 74
131 Georgia74 points 74 points 74
131 Hungary74 points 74 points 74
131 Korea Republic74 points 74 points 74
131 Poland74 points 74 points 74
131 Uzbekistan74 points 74 points 74
138 Ecuador73 points 73 points 73
138 Egypt73 points 73 points 73
138 Iceland73 points 73 points 73
141 Congo72 points 72 points 72
141 Curacao72 points 72 points 72
141 Kenya72 points 72 points 72
141 Nigeria72 points 72 points 72
141 Seychelles72 points 72 points 72
146 Bolivia71 points 71 points 71
146 Chile71 points 71 points 71
146 Madagascar71 points 71 points 71
146 Moldova71 points 71 points 71
146 Montenegro71 points 71 points 71
151 Antigua and Barbuda70 points 70 points 70
151 Colombia70 points 70 points 70
151 Cyprus70 points 70 points 70
151 Tajikistan70 points 70 points 70
151 Vanuatu70 points 70 points 70
156 Belize69 points 69 points 69
156 Burundi69 points 69 points 69
156 Comoros69 points 69 points 69
156 Vietnam69 points 69 points 69
160 Ethiopia68 points 68 points 68
160 Greece68 points 68 points 68
160 Mozambique68 points 68 points 68
163 Angola66 points 66 points 66
164 Algeria65 points 65 points 65
164 Monaco65 points 65 points 65
166 Dominica64 points 64 points 64
166 Mauritania64 points 64 points 64
166 Pakistan64 points 64 points 64
166 Tunisia64 points 64 points 64
170 Congo DR63 points 63 points 63
170 Serbia63 points 63 points 63
172 Russia62 points 62 points 62
172 Saint Kitts and Nevis62 points 62 points 62
174 Ghana61 points 61 points 61
175 Andorra60 points 60 points 60
175 Argentina60 points 60 points 60
175 Bahamas60 points 60 points 60
175 Benin60 points 60 points 60
175 Bermuda60 points 60 points 60
175 Cameroon60 points 60 points 60
175 Cape Verde60 points 60 points 60
175 Guyana60 points 60 points 60
175 Haiti60 points 60 points 60
175 Ivory Coast60 points 60 points 60
175 Laos60 points 60 points 60
175 Liberia60 points 60 points 60
175 Mali60 points 60 points 60
175 Mongolia60 points 60 points 60
175 Niger60 points 60 points 60
175 Sri Lanka60 points 60 points 60
175 Suriname60 points 60 points 60
175 Togo60 points 60 points 60
193 Bangladesh59 points 59 points 59
193 Burkina Faso59 points 59 points 59
193 Senegal59 points 59 points 59
196 Saint Lucia57 points 57 points 57
197 Anguilla55 points 55 points 55
197 Cayman Islands55 points 55 points 55
197 Turkmenistan55 points 55 points 55
200 San Marino53 points 53 points 53
201 Sierra Leone52 points 52 points 52
202 Equatorial Guinea50 points 50 points 50
203 Libya45 points 45 points 45
203 Myanmar45 points 45 points 45
203 Ukraine45 points 45 points 45
206 Cuba40 points 40 points 40
206 Zimbabwe40 points 40 points 40
208 Palau38 points 38 points 38
209 Afghanistan35 points 35 points 35
209 Chad35 points 35 points 35
209 São Tomé and Príncipe35 points 35 points 35
209 Zanzibar35 points 35 points 35
213 Marshall Islands32 points 32 points 32
214 Nauru30 points 30 points 30
214 Venezuela30 points 30 points 30
216 Kiribati28 points 28 points 28
216 Timor-Leste28 points 28 points 28
218 Eritrea25 points 25 points 25
218 Guinea-Bissau25 points 25 points 25
218 Iran25 points 25 points 25
218 South Sudan25 points 25 points 25
218 Sudan25 points 25 points 25
218 Tuvalu25 points 25 points 25
224 Lebanon20 points 20 points 20
224 Syria20 points 20 points 20
224 Yemen20 points 20 points 20
227 Somalia12 points 12 points 12
228 Western Sahara10 points 10 points 10
229 Korea DPR8 points 8 points 8

Last rating: June 18th, 2026

How the Raw Value Is Calculated

The raw value is a Nomadino 0-100 point value for banking-system stability. 0 means a very fragile or practically disrupted banking system, while 100 means very strong capital buffers, low problem loans, good liquidity and high crisis resilience.

The calculation uses public World Bank data and the Global Financial Development Database. It directly includes non-performing loans, bank capital to assets, regulatory capital, bank Z-score, liquidity, credit-to-deposit pressure, provisions against problem loans and the historical banking-crisis series.

The weighting is: problem loans count for 30%, capital buffers 25%, bank Z-score 20%, liquidity and refinancing pressure 15%, and crisis and deposit-protection factor 10%. Low problem loans, strong capital buffers, a high Z-score and sufficient liquidity improve the raw value.

The crisis and deposit-protection factor prevents a country from ranking too high just because of a few good balance-sheet ratios. Ongoing banking crises, frozen deposits, severely restricted access to bank balances, war, heavy sanctions or very weak data reliability therefore create plausibility caps.

If central core blocks such as problem loans or capital buffers are missing, the raw value is also capped. Very old international data receive a data-quality cap because a stable-looking old value does not reliably describe a current banking system.

Banking secrecy, CRS participation, international transfers, fintech, ATM availability and account opening for foreigners are not directly included. These are separate Nomadino indicators and would otherwise mix banking stability with different questions.

For countries and territories without complete separate data, Nomadino uses maintained replacement values or the administering state where its banking supervision, deposit protection or payment infrastructure is practically decisive. These values are checked against regional peers, central banks, financial supervisors and existing Nomadino financial indicators.

The score equals the raw value. A higher raw value therefore improves the ranking.