Banking Atlas API

Read-only JSON API for querying bank financial KPIs across 40+ countries. All responses use a consistent envelope:

{
  "data": [ ... ],
  "meta": { "count": 36, "limit": 100, "offset": 0 }
}

Rate limit: 60 requests per minute per IP address. All monetary values are in USD millions (suffix _usd_mm). Ratios (ROE, ROA, etc.) are decimals (e.g., 0.15 = 15%).

Response Format

All endpoints return JSON with a consistent envelope:

{
  "data": [ ... ],
  "meta": {
    "count": 36,
    "limit": 50,
    "offset": 0,
    ... endpoint-specific fields ...
  }
}

Errors return {"error": "message"} with appropriate HTTP status codes (400, 404, 429, 500).

Monetary values use the _usd_mm suffix and are in USD millions. Ratios are decimals (e.g., 0.15 = 15%).

Endpoints

GET /api/summary

Platform overview with coverage stats, country list, data sources, and sample data for the 25 largest banks.

GET https://bankingatlas.com/api/summary

GET /api/banks

List and search banks with filtering and pagination.

Parameter	Type	Description
`country`	string	Filter by ISO3 country code (e.g., `USA`, `GBR`)
`search`	string	Search bank name (case-insensitive substring match)
`sort`	string	Sort order: `total_assets_usd_desc` (default), `total_assets_usd_asc`, `bank_name_asc`, `bank_name_desc`, `country_asc`
`limit`	int	Results per page (1-500, default 100)
`offset`	int	Pagination offset (default 0)

GET https://bankingatlas.com/api/banks?country=USA&search=chase&limit=10

GET /api/banks/{bank_code}/kpis

Get KPI time series for a specific bank. Use /api/banks to find bank codes.

Parameter	Type	Description
`year`	string	Single year (`2024`) or range (`2020-2024`)
`kpis`	string	Comma-separated KPI names to include (see list below). Returns all if omitted.
`limit`	int	Max results (1-100, default 50)

GET https://bankingatlas.com/api/banks/US_JPMORGAN_CHASE/kpis?year=2020-2024&kpis=roe,roa,cost_income

GET /api/banks/{bank_code}/financials

Get full balance sheet and income statement line items for a specific bank. Returns raw financial data in local currency and/or USD.

Parameter	Type	Description
`year`	string	Single year (`2024`) or range (`2020-2024`)
`statement`	string	`bs` (balance sheet only), `pl` (income statement only), or `both` (default)
`currency`	string	`local`, `usd`, or `both` (default). USD values are in millions.
`limit`	int	Max results per statement (1-50, default 30)
`offset`	int	Pagination offset (default 0)

Balance sheet fields: loans_gross, loan_loss_allowance, net_loans (derived), securities, cash_and_equivalents, other_assets, total_assets, deposits, other_liabilities, total_equity

Income statement fields: interest_income, interest_expense, net_interest_income (derived), commission_income, commission_expense, net_commission_income (derived), other_income, fx_income, trading_income, impairment_provisions, operating_expenses, depreciation_amortization, income_tax_expense, profit_before_tax, net_profit

GET https://bankingatlas.com/api/banks/US_JPMORGAN_CHASE/financials?year=2020-2024&statement=bs&currency=usd

GET /api/countries

List all countries with aggregate banking stats (asset-weighted averages for the latest year).

Parameter	Type	Description
`limit`	int	Max results (1-200, default 50)
`offset`	int	Pagination offset (default 0)
`sort`	string	`total_assets_desc` (default), `total_assets_asc`, `name_asc`, `roe_desc`

GET https://bankingatlas.com/api/countries?sort=roe_desc&limit=10

GET /api/countries/{iso3}/kpis

Market-level KPI time series for a country (asset-weighted averages across all banks).

Parameter	Type	Description
`year`	string	Single year (`2024`) or range (`2020-2024`)
`limit`	int	Max results (1-50, default 30)

GET https://bankingatlas.com/api/countries/USA/kpis?year=2020-2024

GET /api/countries/{iso3}/financials

Aggregated sector-level balance sheet and income statement for a country. For countries with has_full_bank_coverage=true, data is aggregated from individual bank reports. For other countries, pre-computed sector aggregate data is used when available, with fallback to bank-level aggregation.

Parameter	Type	Description
`year`	string	Single year (`2024`) or range (`2020-2024`)
`statement`	string	`bs`, `pl`, or `both` (default)
`currency`	string	`local`, `usd`, or `both` (default)
`limit`	int	Max results per statement (1-50, default 30)
`offset`	int	Pagination offset (default 0)

Returns the same balance sheet and income statement fields as the bank-level endpoint, plus source_type, accounting_standard, data_source (bank_aggregation or sector_aggregate), bank_count (when from bank aggregation), and has_full_bank_coverage. Note: when using sector aggregate data, profit_before_tax is derived as net_profit + income_tax_expense if not directly available from the source.

GET https://bankingatlas.com/api/countries/USA/financials?year=2020-2024&statement=pl&currency=usd

GET /api/countries/{iso3}/distribution

Distribution statistics for bank-level KPIs within a country: median, percentiles, standard deviation, min/max, and asset-weighted average. Only available for countries with has_full_bank_coverage = true.

Parameter	Type	Description
`year`	string	Single year (`2024`) or range (`2020-2024`). Defaults to latest year.
`kpis`	string	Comma-separated KPI names. Default: `roe,roa,cost_income,leverage_ratio,nii_on_assets_pct,asset_growth`

Response fields per KPI/year: simple_average, weighted_average (asset-weighted), median, p10, p25, p75, p90, std_dev, min, max, bank_count

GET https://bankingatlas.com/api/countries/USA/distribution?year=2024&kpis=roe,roa,cost_income

Example response:

{"data": [{"kpi": "roe", "fiscal_year": 2024, "bank_count": 4543,
  "simple_average": 0.098, "weighted_average": 0.117, "median": 0.097,
  "p10": 0.014, "p25": 0.056, "p75": 0.141, "p90": 0.196,
  "std_dev": 0.608, "min": -36.9, "max": 10.15}, ...],
 "meta": {"count": 3, "country_iso3": "USA", "country_name": "United States",
  "kpis": ["roe", "roa", "cost_income"]}}

GET /api/countries/{iso3}/concentration

Market concentration metrics: HHI (Herfindahl-Hirschman Index) by assets, deposits, and loans; plus concentration ratios CR3, CR5, CR10 (share of top N banks by assets). Only available for countries with has_full_bank_coverage = true.

Parameter	Type	Description
`year`	string	Single year (`2024`) or range (`2020-2024`). Defaults to latest year.

Response fields per year: hhi.by_assets, hhi.by_deposits, hhi.by_loans, concentration_ratios.cr3, cr5, cr10 (as decimals, e.g. 0.45 = 45%), bank_count (banks with reported positive assets)

GET https://bankingatlas.com/api/countries/USA/concentration?year=2024

Example response:

{"data": [{"fiscal_year": 2024, "bank_count": 4559,
  "hhi": {"by_assets": 460.0, "by_deposits": 430.9, "by_loans": 310.6},
  "concentration_ratios": {"cr3": 0.3183, "cr5": 0.4151, "cr10": 0.5178}}],
 "meta": {"count": 1, "country_iso3": "USA", "country_name": "United States"}}

GET /api/compare

Compare multiple banks or countries side-by-side.

Parameter	Type	Description
`banks`	string	Comma-separated bank codes (max 20). Mutually exclusive with `countries`.
`countries`	string	Comma-separated ISO3 codes (max 30). Mutually exclusive with `banks`.
`year`	string	Year or range. Defaults to latest year if omitted.
`kpis`	string	Comma-separated KPI names (for bank comparison only).

GET https://bankingatlas.com/api/compare?countries=USA,GBR,DEU,FRA&year=2024
GET https://bankingatlas.com/api/compare?banks=US_JPMORGAN_CHASE,US_BANK_OF_AMERICA&year=2024&kpis=roe,roa

GET /api/kpis

Machine-readable definitions of all KPIs: name, formula, unit, category, and whether it is a DuPont decomposition component.

Parameter	Type	Description
`category`	string	Filter by category: `profitability`, `efficiency`, `leverage`, `income_structure`, `cost_structure`, `growth`, `size`.
`dupont`	boolean	If `true`, only return DuPont decomposition components.

GET https://bankingatlas.com/api/kpis
GET https://bankingatlas.com/api/kpis?category=profitability
GET https://bankingatlas.com/api/kpis?dupont=true

Example response:

{"kpis": [{"id": "roe", "name": "Return on Equity",
  "formula": "Net Profit / Average Equity (annualised)",
  "unit": "ratio", "category": "profitability", "dupont_component": true}, ...],
 "meta": {"count": 26, "categories": ["cost_structure", "efficiency", ...]}}

Panel (Bulk) Endpoints

Panel endpoints return flat datasets suitable for research and bulk analysis. Query multiple banks and countries in a single request with full filtering.

GET /api/panel

Flat panel dataset of bank-level KPIs across countries and years, designed for bulk data export and research. Supports JSON and CSV output.

Parameter	Type	Description
`countries`	string	Comma-separated ISO3 country codes to filter.
`year`	string	Single year (`2024`) or range (`2020-2024`).
`kpis`	string	Comma-separated KPI columns. Default: `roe,roa,cost_income,leverage_ratio,total_assets_usd,net_profit_usd,asset_growth`.
`sort`	string	Comma-separated columns. Prefix with `-` for descending. Default: `country_iso3,fiscal_year,bank_code`.
`limit`	integer	Max rows (1–10000, default 1000).
`offset`	integer	Pagination offset (default 0).
`format`	string	`json` (default) or `csv`.

GET https://bankingatlas.com/api/panel?countries=USA,GBR&year=2024&kpis=roe,roa,total_assets_usd&limit=100
GET https://bankingatlas.com/api/panel?countries=UKR&year=2020-2024&format=csv

GET /api/panel/banks

Flat panel dataset of bank-year KPI observations. Returns one row per bank per year with requested KPI columns.

Parameter	Type	Description
`countries`	string	Comma-separated ISO3 codes to filter (e.g., `USA,GBR,DEU`)
`kpis`	string	Comma-separated KPI names to include (returns all if omitted)
`years`	string	Single year (`2024`) or range (`2020-2024`)
`min_assets`	number	Minimum total assets in USD millions
`limit`	int	Results per page (1-1000, default 100)
`offset`	int	Pagination offset (default 0)
`format`	string	`json` (default) or `csv` (downloads as file)

GET https://bankingatlas.com/api/panel/banks?countries=USA,GBR&kpis=roe,roa,cost_income&years=2020-2024&min_assets=100000
GET https://bankingatlas.com/api/panel/banks?countries=DEU&years=2024&format=csv

GET /api/panel/countries

Country-year aggregated panel data. Returns one row per country per year with asset-weighted KPI averages.

Parameter	Type	Description
`countries`	string	Comma-separated ISO3 codes to filter
`kpis`	string	Comma-separated KPI names to include (returns all if omitted)
`years`	string	Single year or range (e.g., `2020-2024`)
`min_assets`	number	Minimum total assets in USD millions (country aggregate)
`limit`	int	Results per page (1-1000, default 100)
`offset`	int	Pagination offset (default 0)
`format`	string	`json` (default) or `csv`

GET https://bankingatlas.com/api/panel/countries?countries=USA,GBR,DEU,FRA&years=2020-2024
GET https://bankingatlas.com/api/panel/countries?kpis=roe,roa&years=2024&format=csv

KPI Definitions

GET /api/definitions

Returns a catalog of all available KPI definitions including exact formulas, component fields, units, and methodology notes. Essential for rigorous benchmarking and understanding how each metric is calculated.

Parameter	Type	Description
`kpi`	string	Optional comma-separated KPI names to filter (returns all if omitted)

Each KPI definition includes: name, label, formula, numerator, denominator, unit, averaging_convention, and notes.

GET https://bankingatlas.com/api/definitions
GET https://bankingatlas.com/api/definitions?kpi=roe,roa,cost_income

Available KPI Names

KPI	Description
`roe`	Return on Equity (Net Profit / Avg Equity)
`roa`	Return on Assets (Net Profit / Avg Assets)
`roe_bt`	Return on Equity before tax
`roa_bt`	Return on Assets before tax
`cost_income`	Cost-to-Income Ratio (Operating Costs / Operating Income)
`leverage_ratio`	Leverage (Total Assets / Total Equity)
`profit_margin`	Net Profit / Operating Income
`asset_utilization`	Operating Income / Avg Assets
`leverage_dupont`	Avg Assets / Avg Equity (DuPont decomposition)
`total_assets_usd`	Total assets in USD millions (returned as `total_assets_usd_mm`)
`total_equity_usd`	Total equity in USD millions (returned as `total_equity_usd_mm`)
`net_profit_usd`	Net profit in USD millions (returned as `net_profit_usd_mm`)
`profit_before_tax_usd`	Profit before tax in USD millions
`nii_on_assets_pct`	Net Interest Income / Avg Assets (%)
`nci_on_assets_pct`	Net Commission Income / Avg Assets (%)
`admin_opex_on_assets_pct`	Admin + D&A expenses / Avg Assets (%)
`provisions_on_assets_pct`	Impairment provisions / Avg Assets (%)
`tax_on_assets_pct`	Income tax / Avg Assets (%)
`asset_growth`	YoY Total Assets growth rate
`net_income_growth`	YoY Net Income growth rate

Notes

All data is from public regulatory sources (FDIC, EBA, APRA, OSFI, NBU, central banks).
USD conversions use average annual FX rates. Absolute values are in USD millions.
Country-level KPIs use asset-weighted averages across all banks in the database.
Data is collected using automated tools and may contain errors. See About & Terms.