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Banking Stability

Banking system stability score 0–100 based on the IMF Financial Soundness Indicators (FSI) composite: capital adequacy ratios, non-performing loan rates, liquidity coverage, deposit insurance coverage, and Basel III/IV compliance (IMF FSI Database 2024; World Bank Global Financial Development Database). Switzerland scores 98 — FINMA oversight, mandatory covered bonds, systemically important bank buffers, SNB as backstop. Singapore 95: MAS maintains extremely conservative capital requirements, zero bank failures in 40 years. Norway 88: Bankenes sikringsfond covers 100% deposits up to NOK 2M. Germany 88: BaFin + Bundesbank oversight, strong deposit guarantee scheme (EdB covers up to €100k per bank). Critically unstable systems: Lebanon 12 — banking system collapse 2019–2022, capital controls, depositors lost most savings. Venezuela 15, Zimbabwe 22, Argentina 28 — history of freezes, desubscriptions, and hyperinflation eroding deposits. Venezuela's banking system effectively operates in parallel USD cash economy. For nomads who keep emergency funds locally, banking stability is a real tail-risk factor.

#↑ Country↕ Raw Value↕ Score↕
1 Switzerland98 98 97
2 Singapore95 95 94
3 United States88 88 87
3 Sweden88 88 87
3 Norway88 88 87
3 Germany88 88 87
3 Luxembourg88 88 87
3 Hong Kong88 88 87
3 Japan88 88 87
10 Australia85 85 84
10 England85 85 84
10 Finland85 85 84
10 Denmark85 85 84
10 Netherlands85 85 84
10 Monaco85 85 84
10 Liechtenstein85 85 84
10 United Arab Emirates85 85 84
10 Korea Republic85 85 84
10 France85 85 84
10 New Zealand85 85 84
21 Scotland82 82 81
21 Canada82 82 81
21 Austria82 82 81
21 Iceland82 82 81
25 Ireland80 80 79
25 Wales80 80 79
25 Belgium80 80 79
25 Chinese Taipei80 80 79
29 Northern Ireland78 78 77
29 Estonia78 78 77
29 Spain78 78 77
29 Gibraltar78 78 77
29 Cayman Islands78 78 77
29 Israel78 78 77
35 Macau75 75 75
35 Qatar75 75 75
37 Lithuania72 72 72
37 Malta72 72 72
37 Czech Republic72 72 72
37 Faroe Islands72 72 72
37 Poland72 72 72
37 Bermuda72 72 72
37 Bahrain72 72 72
37 Andorra72 72 72
37 San Marino72 72 72
37 Saudi Arabia72 72 72
37 China72 72 72
37 Slovenia72 72 72
37 Portugal72 72 72
37 Italy72 72 72
51 Latvia68 68 68
51 Uruguay68 68 68
51 Kuwait68 68 68
51 Mauritius68 68 68
51 Slovakia68 68 68
51 Bahamas68 68 68
51 Malaysia68 68 68
58 Brunei65 65 65
58 Oman65 65 65
58 Panama65 65 65
58 Cyprus65 65 65
58 Georgia65 65 65
58 Chile65 65 65
64 Hungary62 62 62
64 Barbados62 62 62
64 U.S. Virgin Islands62 62 62
64 British Virgin Islands62 62 62
64 Croatia62 62 62
64 Puerto Rico62 62 62
70 Seychelles60 60 60
70 Aruba60 60 60
70 Thailand60 60 60
70 Costa Rica60 60 60
74 South Africa58 58 58
74 Curacao58 58 58
74 Kazakhstan58 58 58
74 Rwanda58 58 58
74 Turks and Caicos Islands58 58 58
74 Réunion58 58 58
74 Romania58 58 58
74 Antigua and Barbuda58 58 58
74 Armenia58 58 58
74 Guam58 58 58
74 Martinique58 58 58
85 Maldives55 55 55
85 Botswana55 55 55
85 French Guiana55 55 55
85 India55 55 55
85 Jordan55 55 55
85 Morocco55 55 55
85 Bulgaria55 55 55
85 Trinidad and Tobago55 55 55
85 Anguilla55 55 55
85 Sint Maarten55 55 55
85 Saint Kitts and Nevis55 55 55
85 New Caledonia55 55 55
85 Guadeloupe55 55 55
85 Greece55 55 55
99 Namibia52 52 52
99 Brazil52 52 52
99 Kenya52 52 52
99 Cape Verde52 52 52
99 Vietnam52 52 52
99 Tahiti52 52 52
99 Mexico52 52 52
99 Serbia52 52 52
99 Azerbaijan52 52 52
99 Saint-Martin52 52 52
99 Jamaica52 52 52
99 Saint Lucia52 52 52
99 Indonesia52 52 52
112 Saint Pierre and Miquelon50 50 50
112 Tunisia50 50 50
112 Montenegro50 50 50
112 Grenada50 50 50
112 Dominican Republic50 50 50
112 Colombia50 50 50
112 Peru50 50 50
119 Ghana48 48 48
119 Egypt48 48 48
119 Uzbekistan48 48 48
119 Belize48 48 48
119 Algeria48 48 48
119 North Macedonia48 48 48
119 American Samoa48 48 48
119 Saint Vincent and the Grenadines48 48 48
119 Turkey48 48 48
119 Northern Mariana Islands48 48 48
119 Dominica48 48 48
119 Ecuador48 48 48
119 Philippines48 48 48
132 Senegal45 45 45
132 Ivory Coast45 45 45
132 Paraguay45 45 45
132 Mongolia45 45 45
132 Bosnia and Herzegovina45 45 45
132 Fiji45 45 45
132 Montserrat45 45 45
132 Albania45 45 45
132 Djibouti45 45 45
132 Guatemala45 45 45
132 El Salvador45 45 45
132 Bhutan45 45 45
144 Belarus42 42 42
144 Nigeria42 42 42
144 Benin42 42 42
144 Gabon42 42 42
144 Guyana42 42 42
144 Swaziland42 42 42
144 Russia42 42 42
144 Tanzania42 42 42
144 Moldova42 42 42
144 Kyrgyzstan42 42 42
154 Kosovo40 40 40
154 Suriname40 40 40
154 Cambodia40 40 40
154 Cameroon40 40 40
154 Uganda40 40 40
154 Honduras40 40 40
154 Mayotte40 40 40
161 Gambia38 38 38
161 Angola38 38 38
161 Togo38 38 38
161 Lesotho38 38 38
161 Zambia38 38 38
161 Sri Lanka38 38 38
161 Bangladesh38 38 38
161 Ethiopia38 38 38
161 Palau38 38 38
161 Bolivia38 38 38
161 Samoa38 38 38
172 Burkina Faso35 35 35
172 Congo35 35 35
172 Equatorial Guinea35 35 35
172 Laos35 35 35
172 Zanzibar35 35 35
172 São Tomé and Príncipe35 35 35
172 Cook Islands35 35 35
172 Tajikistan35 35 35
172 Tonga35 35 35
172 Nicaragua35 35 35
172 Nepal35 35 35
183 Mauritania32 32 32
183 Ukraine32 32 32
183 Marshall Islands32 32 32
183 Malawi32 32 32
183 Pakistan32 32 32
183 Vanuatu32 32 32
189 Madagascar30 30 30
189 Mali30 30 30
189 Liberia30 30 30
189 Libya30 30 30
189 Nauru30 30 30
189 Burundi30 30 30
189 Turkmenistan30 30 30
189 Mozambique30 30 30
189 Comoros30 30 30
189 Niue30 30 30
189 Micronesia30 30 30
200 Sierra Leone28 28 28
200 Guinea28 28 28
200 Congo DR28 28 28
200 Iraq28 28 28
200 Kiribati28 28 28
200 Cuba28 28 28
200 Argentina28 28 28
200 Wallis and Futuna28 28 28
200 Timor-Leste28 28 28
200 Papua New Guinea28 28 28
200 Solomon Islands28 28 28
211 Guinea-Bissau25 25 26
211 Tuvalu25 25 26
211 Eritrea25 25 26
211 Iran25 25 26
215 Niger22 22 23
215 Zimbabwe22 22 23
215 Central African Republic22 22 23
215 Palestine22 22 23
219 Chad20 20 21
219 Myanmar20 20 21
221 Sudan18 18 19
221 Haiti18 18 19
223 Venezuela15 15 16
224 Somalia12 12 13
224 Lebanon12 12 13
226 Syria10 10 11
226 Western Sahara10 10 11
226 South Sudan10 10 11
229 Yemen8 8 9
229 Korea DPR8 8 9
229 Afghanistan8 8 9