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Country profile / WSM

Samoa

One canonical page for Samoa’s financial profile, composed from the crisis atlas, IMF sovereign-debt data, the World Bank GFDD and Global Findex, the BIS credit, policy-rate and exchange-rate statistics, the external accounts (IMF balance of payments and international investment position, official reserves, capital-account openness and remittances), and the Penn World Table’s population and GDP scale. Each section links to its dedicated module and cites its own primary source; sections appear only where Samoa has data.

Latest government debt
27.7%
2024 (Central govt (IMF GDD))
Financial crises on record
0
none in the five chronologies
Private credit by banks
57.9%
GFDD, 2021
BIS credit-cycle data
Not covered
BIS ~44-economy set only
Nonperforming loans (current)
4.2%
IMF FSI, 2024

Cross-border banking exposure: how much BIS-reporting banks lend to Samoa.

Economic scale

Samoa is outside the Penn World Table’s 185-economy coverage (mostly small territories and micro-states), so no population or GDP-scale series is available here.

Source: Penn World Table 11.0 (Feenstra, Inklaar and Timmer 2015). License: CC BY 4.0. Methodology

Crisis history

No banking, currency, or sovereign-debt crisis is recorded for Samoa in the five chronologies (Global Macro Database, Reinhart-Rogoff, Laeven-Valencia, JST, ECB/ESRB).

Source: Global Macro Database 2026_06 | Reinhart-Rogoff (HBS BFFS) | Laeven & Valencia (2020, 2026) | ECB/ESRB Financial Crises Database. License: non-commercial research (inherits GMD / JST); cite all five chronologies. Methodology

Financial depth and soundness

Depth (private credit, deposits) and soundness (Z-score, nonperforming loans, concentration) from the World Bank GFDD. GFDD values end in 2021 (the dataset’s last release year); a flat recent tail is the data stopping, not the sector standing still.

Private credit by banks
57.921
% of GDP
0.0020.040.060.019822021
Bank Z-score
No data for this country
Nonperforming loans
2.9020
% of gross loans
0.005.0010.015.020072020
Bank concentration
10006
% assets, top 3 banks
99.010010120052006

Source: World Bank Global Financial Development Database (Sep 2022). License: CC BY 4.0. Values end 2021 (GFDD's last release year). Methodology

Financial development (IMF FD index)

The IMF’s summary reading of the GFDD-style raw series above: a 0-to-1 composite of how deep, accessible and efficient the financial system is, split into a financial-institutions pillar (banks, insurers, funds) and a financial-markets pillar (stock and bond markets). Methodology: Svirydzenka (2016), IMF WP/16/5. The IMF’s served series end in 2020; a flat recent tail is the data stopping, not the system standing still. The six depth/access/efficiency subindices are in the underlying dataset but not charted here.

Financial development index
0.2220
index, 0 to 1
0.050.100.150.200.2519802020
Financial institutions index
0.4320
index, 0 to 1
0.100.200.300.400.5019802020
Financial markets index
0.0020
index, 0 to 1
-1.000.001.0019802020

Source: IMF Financial Development Index (IMF.MCM:FDI) | Svirydzenka (2016), IMF Working Paper WP/16/5. License: IMF, public open data with "Source: IMF, Financial Development Index" attribution. 0-1 scale; served values end 2020 (183 economies). Methodology

Current soundness (IMF FSI)

The World Bank GFDD soundness series above end in 2021. The IMF Financial Soundness Indicators are current: annual through 2024. These deposit-taker core indicators cover capital adequacy (regulatory and Tier 1 capital to risk-weighted assets), asset quality (nonperforming loans), earnings (return on assets and equity), and liquidity (liquid assets to total assets). Each panel is a standalone series with its own scale; the headline is the latest value and its year.

Regulatory capital
27.924
% of risk-weighted assets
22.525.027.530.032.520162024
Tier 1 capital
21.124
% of risk-weighted assets
20.022.024.026.020162024
Nonperforming loans
4.2024
% of gross loans
3.004.005.006.0020162024
Return on assets
3.0424
% (annualized)
1.502.002.503.003.5020162024
Return on equity
14.824
% (annualized)
7.5010.012.515.020162024
Liquid assets
26.624
% of total assets
0.0010.020.030.020162024

Source: IMF Financial Soundness Indicators (FSI). License: IMF, free with "Source: IMF, Financial Soundness Indicators" attribution. Deposit-taker core set; coverage varies by indicator and year. Methodology

Financial inclusion

Samoa is not surveyed in the World Bank Global Findex (162 economies covered), so no financial-inclusion series is available here.

Source: World Bank Global Findex Database 2025. License: CC BY 4.0. Survey waves; percent of adults age 15+. Methodology

Credit cycle

Samoa is not in the BIS credit-statistics reporting set (a fixed group of around 44 advanced and major emerging economies), so no credit-to-GDP gap, debt-service ratio, or property-price series is available here.

Source: BIS credit and debt-service statistics | BIS residential property prices. License: free with "Source: BIS" attribution. Methodology

Policy rate and exchange rate

Samoa is in neither the BIS central-bank policy-rate set (48 economies) nor the BIS real broad effective-exchange-rate set (63 economies), so no policy-rate or exchange-rate series is available here.

Source: BIS central bank policy rates | BIS effective exchange rates. License: free with "Source: BIS" attribution. Methodology

External accounts

Samoa’s external position: the current-account balance (IMF, percent of GDP), the net international investment position and total official reserves (both shown as US-dollar levels, in billions, because the IMF IIP and World Bank reserve series carry dollar values rather than ratios), the degree of capital-account openness (the Chinn-Ito index, 0 closed to 1 open), and remittance inflows. A positive current account or net-IIP reading is a surplus/creditor position; a negative one is a deficit/debtor position. Each panel appears only where Samoa has that series.

Current-account balance
5.7225
% of GDP
-20.0-10.00.0010.020.019802025
Net international investment position
0.2824
US$ billion (level)
-0.50-0.250.000.250.5020132024
Total reserves
0.6025
US$ billion
0.000.200.400.6019642025
Capital-account openness
0.162023
index, 0 = closed, 1 = open
annual, 1975 to 2023
Remittance inflows
0.282024
US$ billion
annual, 1977 to 2024

Remittance inflows are shown as external-flow context (household income received from abroad), not a FinObservatory risk score.

Source: IMF Balance of Payments and IIP Statistics | World Bank, Total reserves (FI.RES.TOTL.CD). License: IMF and World Bank, free with attribution ("Source: IMF"; World Bank reserves CC BY 4.0). Current account and net IIP: IMF BOP/IIP, to 2025. Reserves: World Bank FI.RES.TOTL.CD, to 2025. Methodology

Source: Chinn-Ito index of capital-account openness (Chinn and Ito 2006). License: research use with citation only (Chinn-Ito); not for commercial redistribution. Capital-account openness ends 2023. Methodology

Source: World Bank / KNOMAD Migration and Remittances Data. License: CC BY 4.0 (World Bank / KNOMAD). Remittance inflows end 2024; shown as context, not a risk score. Methodology

Income and wealth inequality

Cross-country inequality →

How concentrated Samoa’s income and wealth are. Top shares come from WID.world on equal-split adults (each adult in a couple assigned half the couple’s total); income (a flow) and wealth (a stock) are shown as distinct measures and never combined into one figure. The Gini coefficients are survey-based, on a 0 (perfect equality) to 1 (maximal concentration) scale: the World Bank PIP survey Gini and, where covered, the OECD disposable-income (post-tax, post-transfer) Gini. Each reading shows its year and, where a cross-country distribution exists, where Samoa sits among reporting economies. WID extends its most recent years by extrapolation, so a latest reading is an estimate.

Top 10% income share
48.6%
WID pre-tax national income, equal-split adults, 2024
216 economies; median 47.0%; ranks above 138 of 215
Top 1% income share
16.1%
WID pre-tax national income, equal-split adults, 2024
216 economies; median 16.1%; ranks above 104 of 215
Top 10% wealth share
61.7%
WID net personal wealth, equal-split adults, 2024
216 economies; median 61.5%; ranks above 123 of 215
PIP survey Gini
0.387
World Bank PIP, consumption, 2013
171 economies; median 0.352; ranks above 114 of 170

Source: WID.world (World Inequality Database) | World Bank Poverty and Inequality Platform | OECD Income Distribution Database. License: WID.world and OECD IDD: display-with-attribution (owner no-redistribution ruling); World Bank PIP: CC BY 4.0. Top shares on equal-split adults; recent WID years are extrapolated. Ginis are survey-based and measure a different object from the fiscal top shares. Methodology

Latest government debt 27.7% of GDP (2024, Central govt (IMF GDD)). Peak 96.3% in 1994. This is below the 80.7% median at which 2000+ sovereign crises began (a comparison, not a prediction).

Latest debt
27.7%
2024
Peak debt
96.3%
1994
Sovereign crises
0
none on record

Source: IMF Global Debt Database | IMF World Economic Outlook. License: IMF, free with "Source: IMF" attribution. Methodology

Reading this profile

  • This page composes existing FinObservatory layers; it introduces no new data. Every figure is reproducible from the source cited in its section. See the methodology for the composition and each source’s coverage and staleness.
  • The peer line on a card (“N economies report; median…”) places this country’s latest reading among every reporting economy’s own latest reading for the same indicator, under the same filters. Latest years differ where reporting lags. It is a descriptive position (a count and a median), not a score; for indicators where lower is safer, such as nonperforming loans, a high position is not a good one.
  • The layers stop at different dates: the World Bank GFDD depth and soundness series end 2021 and the IMF Financial Development Index ends 2020, but the IMF FSI soundness panel is current (annual through 2024–2025 where reported); the Global Findex inclusion series are surveyed in waves and reach 2024; the crisis chronologies end around 2016–2021; IMF debt runs to 2024; the Penn World Table runs 1950–2023; and the BIS statistics are the most current (credit through 2025, residential property to 2026Q1, and the policy rate and effective exchange rate into 2026 where reported). The external accounts reach 2025 (IMF balance-of-payments and reserves), 2024 (remittance inflows) and 2023 (capital-account openness). A quiet recent tail in one section can simply be where that source stops.
  • Sections are shown only where Samoa has data. An absent section means the underlying dataset does not cover this country, not that the value is zero.

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