Tonga: Bank capital to assets ratio (%)

Key figures

What the numbers say

In 2025, Tonga's bank capital to assets ratio (%) rose 0.28 percentage points on 2024 (from 14.81% to 15.08%).

Across the 12 yearly changes before that (2013 to 2024), the average change was −0.15 percentage points and a typical year strayed about 1.64 percentage points from that (the standard deviation). This year's change was 0.3 standard deviations above that average, so it was an ordinary year: it sits within the range of normal year-to-year movement.

On record, the biggest yearly rise was 2.58 percentage points in 2014 and the biggest yearly fall was 2.83 percentage points in 2016. The numbers show how large and when, not why; for the cause, look at what happened in that country in those years.

From 2016 to 2025 the straight-line trend is downward, about 0.24 percentage points a year. A straight line explains 37% of the movement over 10 observed years.

Worked out from the yearly values above. How the checks work: standard deviation, z-scores and straight-line trends.

How it compares

In 2025, Tonga had the 5th highest value of the 81 economies reporting that year. Higher is not always better: for some indicators the lowest value is the one to aim for. See the full ranking.

Closest to Tonga in the 2025 ranking

• Argentina — 1st of 81: 19.71%
• Maldives — 2nd of 81: 17.42%
• Georgia — 3rd of 81: 15.19%
• Kazakhstan — 5th of 81: 14.47%
• Kyrgyz Republic — 6th of 81: 14.36%
• Saudi Arabia — 7th of 81: 13.86%

What this measures

The indicator is a measure of capital adequacy that evaluates the financial strength of deposit takers by comparing Tier 1 capital to total assets. Tier 1 capital, often referred to as core capital, includes the most stable and readily available forms of capital, such as common equity, disclosed reserves, retained earnings, and certain other instruments that meet regulatory requirements under the Basel framework. This capital is considered the highest quality because it is fully available to cover losses and does not need to be repaid.

Limitations: Reporting countries compile the data using different methodologies, which may also vary for different points in time for the same country. Users are advised to consult the accompanying metadata on the IMF FSI website (data.imf.org) to conduct more meaningful cross-country comparisons or to assess the evolution of the indicator for any of the countries.

All 14 values

Bank capital to assets ratio (%) in nearby economies

• Australia — 5.57% (2025)
• Brunei Darussalam — 9.74% (2022)
• Cambodia — 14.36% (2024)
• Fiji — 10.78% (2021)
• Hong Kong SAR, China — 7.93% (2025)
• Indonesia — 13.01% (2025)
• Japan — 4.07% (2022)
• Korea, Rep. — 6.29% (2023)
• Macao SAR, China — 3.74% (2025)
• Malaysia — 7.31% (2025)
• Micronesia, Fed. Sts.

More financial sector data for Tonga

• DEC alternative conversion factor (LCU per US$) — US$2.4 (2025)
• Official exchange rate (LCU per US$, period average) — US$2.41 (2025)
• Domestic credit to private sector by banks (% of GDP) — 33.85% (2025)
• Monetary sector credit to private sector (% of GDP) — 34.11% (2025)
• Consumer price index (2010 = 100) — 174.32 (2025)
• Domestic credit to private sector (% of GDP) — 34.11% (2025)
• Inflation, consumer prices (annual % growth) — 5.59% (2025)
• GDP deflator (base year varies by country) — 150.46 (2025)
• Inflation, GDP deflator (annual % growth) — 2.96% (2025)

Reading data like this

• Where to find free public data, and how to check it before you trust it — 2 min read
• Data analysis examples: 6 worked from one dataset — 3 min read
• Real change or random noise? A plain guide to reading your numbers — 2 min read

Questions people ask

What is Tonga's bank capital to assets ratio (%)?

15.08% in 2025, according to the World Bank (World Development Indicators).

How has it changed since 2012?

It is down 1.47 percentage points from 16.56% in 2012. The highest value was 20.36% in 2014 and the lowest 13.7% in 2023.

How does Tonga rank?

5th highest of 81 economies with data for 2025.

Is the latest change in bank capital to assets ratio (%) unusual for Tonga?

In 2025, Tonga's bank capital to assets ratio (%) rose 0.28 percentage points on 2024 (from 14.81% to 15.08%). Across the 12 yearly changes before that (2013 to 2024), the average change was −0.15 percentage points and a typical year strayed about 1.64 percentage points from that (the standard deviation). This year's change was 0.3 standard deviations above that average, so it was an ordinary year: it sits within the range of normal year-to-year movement.

Source

World Bank, World Development Indicators, indicator FB.BNK.CAPA.ZS, licensed CC BY 4.0. Original source: Financial Soundness Indicators, International Monetary Fund (IMF), uri: https://data.imf.org/en/datasets/IMF:EXTERNAL_DATASET_CARDS/IMF.STA:LFSI Figures are fetched from the World Bank API and refreshed monthly; see the series on data.worldbank.org. The full definition and method are in the World Bank's metadata glossary. Comparisons use the same World Bank release.

Want to ask your own questions of data like this? Try AnalyzeIt: upload a file or ask about public data in plain words, and every figure comes with its working.