{
  "name": "Banking Atlas",
  "description": "Multi-country banking KPI comparison platform. Provides raw financial statement data (balance sheet and income statement line items), derived KPIs, distribution statistics, market concentration metrics, and bulk panel data export for banks across 40+ countries.",
  "url": "https://bankingatlas.com",
  "api_endpoints": {
    "docs": {
      "url": "https://bankingatlas.com/api/docs",
      "description": "API documentation with all endpoints, parameters, and examples"
    },
    "banks": {
      "url": "https://bankingatlas.com/api/banks",
      "description": "Search and list banks with filtering by country, name; pagination; sorting by assets/name"
    },
    "bank_kpis": {
      "url": "https://bankingatlas.com/api/banks/{bank_code}/kpis",
      "description": "KPI time series for a specific bank (26 KPIs, year filtering)"
    },
    "bank_financials": {
      "url": "https://bankingatlas.com/api/banks/{bank_code}/financials",
      "description": "Full balance sheet and income statement line items. Supports local currency, USD, or both. Includes loans, securities, deposits, equity, interest income/expense, provisions, net profit, etc."
    },
    "countries": {
      "url": "https://bankingatlas.com/api/countries",
      "description": "List all countries with aggregate banking statistics"
    },
    "country_kpis": {
      "url": "https://bankingatlas.com/api/countries/{iso3}/kpis",
      "description": "Market-level KPI time series (asset-weighted averages across all banks)"
    },
    "country_financials": {
      "url": "https://bankingatlas.com/api/countries/{iso3}/financials",
      "description": "Aggregated sector-level balance sheet and income statement. Includes composition percentages (loans_pct, deposits_pct, etc.). Local currency and USD. For full-coverage countries, aggregated from individual banks."
    },
    "country_distribution": {
      "url": "https://bankingatlas.com/api/countries/{iso3}/distribution",
      "description": "Statistical distribution of KPIs across banks: median, p10, p25, p75, p90, std_dev, min, max, simple and asset-weighted averages. Full-coverage countries only."
    },
    "country_concentration": {
      "url": "https://bankingatlas.com/api/countries/{iso3}/concentration",
      "description": "Market structure: HHI (by assets, deposits, loans), CR3, CR5, CR10 concentration ratios. Full-coverage countries only."
    },
    "country_overview": {
      "url": "https://bankingatlas.com/api/countries/{iso3}/overview",
      "description": "All-in-one country snapshot: KPIs + balance sheet + income statement + distribution + concentration + top banks in a single response. Best starting point for AI agents. Params: year, top_banks, kpis."
    },
    "compare": {
      "url": "https://bankingatlas.com/api/compare",
      "description": "Side-by-side comparison of up to 20 banks or 30 countries in one request"
    },
    "kpi_definitions": {
      "url": "https://bankingatlas.com/api/kpis",
      "description": "KPI catalog: id, name, formula, unit, category (profitability/efficiency/leverage/income_structure/cost_structure/growth/size), DuPont flags"
    },
    "definitions": {
      "url": "https://bankingatlas.com/api/definitions",
      "description": "Detailed KPI definitions: exact formula, numerator/denominator fields, averaging convention, methodology notes"
    },
    "panel_data": {
      "url": "https://bankingatlas.com/api/panel",
      "description": "Flat bank-level panel dataset. Up to 10,000 rows. JSON or CSV. Filter by country, year, KPIs. Sort by any column."
    },
    "panel_banks": {
      "url": "https://bankingatlas.com/api/panel/banks",
      "description": "Bank-year panel with minimum asset size filter. JSON or CSV."
    },
    "panel_countries": {
      "url": "https://bankingatlas.com/api/panel/countries",
      "description": "Country-year aggregated panel (asset-weighted averages). JSON or CSV."
    }
  },
  "capabilities": {
    "raw_financial_statements": {
      "description": "Full balance sheet and income statement line items for individual banks and aggregated country sectors",
      "currency_options": [
        "local",
        "usd",
        "both"
      ],
      "endpoints": [
        "https://bankingatlas.com/api/banks/{bank_code}/financials",
        "https://bankingatlas.com/api/countries/{iso3}/financials"
      ]
    },
    "distribution_statistics": {
      "description": "Statistical distribution of KPIs across banks in a country: median, percentiles (p10/p25/p75/p90), standard deviation, min/max, simple and asset-weighted averages",
      "availability": "Countries with has_full_bank_coverage=true (USA, UK, EU/EEA, Australia, Canada, Ukraine, Azerbaijan)",
      "endpoint": "https://bankingatlas.com/api/countries/{iso3}/distribution"
    },
    "market_concentration": {
      "description": "HHI (Herfindahl-Hirschman Index) by assets/deposits/loans, CR3/CR5/CR10 concentration ratios",
      "availability": "Countries with has_full_bank_coverage=true",
      "endpoint": "https://bankingatlas.com/api/countries/{iso3}/concentration"
    },
    "bulk_panel_export": {
      "description": "Flat datasets for research with up to 10,000 rows per request. Filter by country, year range, minimum asset size, custom KPI selection",
      "output_formats": [
        "json",
        "csv"
      ],
      "endpoints": [
        "https://bankingatlas.com/api/panel",
        "https://bankingatlas.com/api/panel/banks",
        "https://bankingatlas.com/api/panel/countries"
      ]
    },
    "kpi_methodology": {
      "description": "Machine-readable KPI definitions with exact formulas, numerator/denominator fields, averaging conventions, and methodology notes",
      "endpoints": [
        "https://bankingatlas.com/api/kpis",
        "https://bankingatlas.com/api/definitions"
      ]
    }
  },
  "available_fields": {
    "balance_sheet": [
      "loans_gross",
      "loan_loss_allowance",
      "net_loans",
      "securities",
      "cash_and_equivalents",
      "other_assets",
      "total_assets",
      "deposits",
      "other_liabilities",
      "total_equity"
    ],
    "balance_sheet_composition": [
      "loans_pct",
      "securities_pct",
      "cash_pct",
      "other_assets_pct",
      "deposits_pct",
      "other_liabilities_pct",
      "equity_pct"
    ],
    "income_statement": [
      "interest_income",
      "interest_expense",
      "net_interest_income",
      "commission_income",
      "commission_expense",
      "net_commission_income",
      "other_income",
      "fx_income",
      "trading_income",
      "impairment_provisions",
      "operating_expenses",
      "depreciation_amortization",
      "income_tax_expense",
      "profit_before_tax",
      "net_profit"
    ]
  },
  "coverage": {
    "countries": 36,
    "banks": 10696,
    "reports": 156005,
    "years": "1996-2025"
  },
  "countries": [
    {
      "iso3": "USA",
      "name": "United States",
      "banks": 10132
    },
    {
      "iso3": "AUS",
      "name": "Australia",
      "banks": 166
    },
    {
      "iso3": "CAN",
      "name": "Canada",
      "banks": 99
    },
    {
      "iso3": "UKR",
      "name": "Ukraine",
      "banks": 79
    },
    {
      "iso3": "KAZ",
      "name": "Kazakhstan",
      "banks": 33
    },
    {
      "iso3": "AZE",
      "name": "Azerbaijan",
      "banks": 22
    },
    {
      "iso3": "DEU",
      "name": "Germany",
      "banks": 19
    },
    {
      "iso3": "GBR",
      "name": "United Kingdom",
      "banks": 14
    },
    {
      "iso3": "ITA",
      "name": "Italy",
      "banks": 13
    },
    {
      "iso3": "ESP",
      "name": "Spain",
      "banks": 13
    },
    {
      "iso3": "GEO",
      "name": "Georgia",
      "banks": 11
    },
    {
      "iso3": "FRA",
      "name": "France",
      "banks": 11
    },
    {
      "iso3": "AUT",
      "name": "Austria",
      "banks": 7
    },
    {
      "iso3": "BEL",
      "name": "Belgium",
      "banks": 7
    },
    {
      "iso3": "NLD",
      "name": "Netherlands",
      "banks": 7
    },
    {
      "iso3": "SWE",
      "name": "Sweden",
      "banks": 6
    },
    {
      "iso3": "PRT",
      "name": "Portugal",
      "banks": 5
    },
    {
      "iso3": "LUX",
      "name": "Luxembourg",
      "banks": 4
    },
    {
      "iso3": "FIN",
      "name": "Finland",
      "banks": 4
    },
    {
      "iso3": "DNK",
      "name": "Denmark",
      "banks": 4
    },
    {
      "iso3": "GRC",
      "name": "Greece",
      "banks": 4
    },
    {
      "iso3": "IRL",
      "name": "Ireland",
      "banks": 4
    },
    {
      "iso3": "SVN",
      "name": "Slovenia",
      "banks": 4
    },
    {
      "iso3": "MLT",
      "name": "Malta",
      "banks": 3
    },
    {
      "iso3": "ISL",
      "name": "Iceland",
      "banks": 3
    },
    {
      "iso3": "HUN",
      "name": "Hungary",
      "banks": 3
    },
    {
      "iso3": "NOR",
      "name": "Norway",
      "banks": 3
    },
    {
      "iso3": "ROU",
      "name": "Romania",
      "banks": 2
    },
    {
      "iso3": "LTU",
      "name": "Lithuania",
      "banks": 2
    },
    {
      "iso3": "LIE",
      "name": "Liechtenstein",
      "banks": 2
    },
    {
      "iso3": "OT",
      "name": "OT",
      "banks": 2
    },
    {
      "iso3": "POL",
      "name": "Poland",
      "banks": 2
    },
    {
      "iso3": "CYP",
      "name": "Cyprus",
      "banks": 2
    },
    {
      "iso3": "EST",
      "name": "Estonia",
      "banks": 2
    },
    {
      "iso3": "BGR",
      "name": "Bulgaria",
      "banks": 1
    },
    {
      "iso3": "LVA",
      "name": "Latvia",
      "banks": 1
    }
  ],
  "data_sources": [
    {
      "source": "fdic_call_report",
      "banks_covered": 10132
    },
    {
      "source": "apra_madis",
      "banks_covered": 166
    },
    {
      "source": "eba_transparency",
      "banks_covered": 146
    },
    {
      "source": "osfi_regulatory",
      "banks_covered": 99
    },
    {
      "source": "nbu_aggregate",
      "banks_covered": 79
    },
    {
      "source": "nbk_aggregate",
      "banks_covered": 33
    },
    {
      "source": "ifrs_report",
      "banks_covered": 24
    },
    {
      "source": "cba_aggregate",
      "banks_covered": 22
    }
  ],
  "available_kpis": [
    "roe",
    "roa",
    "cost_income",
    "leverage_ratio",
    "total_assets_usd",
    "total_equity_usd",
    "net_profit_usd",
    "nii_on_assets_pct",
    "provisions_on_assets_pct",
    "asset_growth",
    "net_income_growth"
  ],
  "sample_data": [
    {
      "country_name": "United States",
      "bank_name": "JPMORGAN CHASE BANK NA",
      "fiscal_year": 2025,
      "roe": 0.15303140528476838,
      "roa": 0.013767201896082363,
      "cost_income": 0.5248954816376779,
      "leverage_ratio": 11.169634193529184,
      "total_assets_usd": 3752662.0
    },
    {
      "country_name": "United Kingdom",
      "bank_name": "HSBC Holdings",
      "fiscal_year": 2025,
      "roe": 0.10605645588896791,
      "roa": 0.006752551406525547,
      "cost_income": 0.5335559656677505,
      "leverage_ratio": 15.719827292795115,
      "total_assets_usd": 3233034.0
    },
    {
      "country_name": "United States",
      "bank_name": "BANK OF AMERICA NA",
      "fiscal_year": 2025,
      "roe": 0.12356324176583992,
      "roa": 0.011626743269989014,
      "cost_income": 0.5235059500457696,
      "leverage_ratio": 10.707910659898477,
      "total_assets_usd": 2636823.0
    },
    {
      "country_name": "United Kingdom",
      "bank_name": "Barclays",
      "fiscal_year": 2025,
      "roe": 0.08194165223564694,
      "roa": 0.004032828201192084,
      "cost_income": 0.6089567604667124,
      "leverage_ratio": 19.7372692877959,
      "total_assets_usd": 2079403.4473471586
    },
    {
      "country_name": "Canada",
      "bank_name": "Royal Bank of Canada",
      "fiscal_year": 2025,
      "roe": 0.152576263779506,
      "roa": 0.008143922365082169,
      "cost_income": null,
      "leverage_ratio": 18.508354920622107,
      "total_assets_usd": 1872267.7804557406
    },
    {
      "country_name": "United States",
      "bank_name": "CITIBANK NATIONAL ASSN",
      "fiscal_year": 2025,
      "roe": 0.0869483024801863,
      "roa": 0.008591513658514219,
      "cost_income": 0.5594979483466087,
      "leverage_ratio": 10.350316748202088,
      "total_assets_usd": 1836436.0
    },
    {
      "country_name": "United States",
      "bank_name": "WELLS FARGO BANK NA",
      "fiscal_year": 2025,
      "roe": 0.1449271952449716,
      "roa": 0.0139667725837679,
      "cost_income": 0.5570785784153897,
      "leverage_ratio": 10.487844594944502,
      "total_assets_usd": 1822693.0
    },
    {
      "country_name": "Canada",
      "bank_name": "The Toronto-Dominion Bank",
      "fiscal_year": 2025,
      "roe": 0.16862870279942974,
      "roa": 0.0097990015272616,
      "cost_income": null,
      "leverage_ratio": 16.263531054060852,
      "total_assets_usd": 1516913.0587204206
    },
    {
      "country_name": "United Kingdom",
      "bank_name": "Lloyds Banking Group",
      "fiscal_year": 2025,
      "roe": 0.10146426781276995,
      "roa": 0.00514055756192551,
      "cost_income": 0.6161054474307487,
      "leverage_ratio": 19.722815300729103,
      "total_assets_usd": 1271306.2213843253
    },
    {
      "country_name": "Canada",
      "bank_name": "The Bank of Nova Scotia",
      "fiscal_year": 2025,
      "roe": 0.0900703903382219,
      "roa": 0.005289148403680796,
      "cost_income": null,
      "leverage_ratio": 16.70773687799763,
      "total_assets_usd": 1083629.744376278
    },
    {
      "country_name": "Canada",
      "bank_name": "Bank of Montreal",
      "fiscal_year": 2025,
      "roe": 0.10170849826831588,
      "roa": 0.005933092136382672,
      "cost_income": null,
      "leverage_ratio": 16.97021793584765,
      "total_assets_usd": 1081203.7810400233
    },
    {
      "country_name": "United Kingdom",
      "bank_name": "NatWest Group",
      "fiscal_year": 2025,
      "roe": 0.13683617675357285,
      "roa": 0.008160346398377727,
      "cost_income": 0.4964845862628448,
      "leverage_ratio": 16.76842747518363,
      "total_assets_usd": 962231.3493132239
    },
    {
      "country_name": "United Kingdom",
      "bank_name": "Standard Chartered",
      "fiscal_year": 2025,
      "roe": 0.09606120714083309,
      "roa": 0.0057469218367772485,
      "cost_income": 0.6352783879285646,
      "leverage_ratio": 16.853314036566154,
      "total_assets_usd": 919955.0
    },
    {
      "country_name": "Canada",
      "bank_name": "Canadian Imperial Bank of Commerce",
      "fiscal_year": 2025,
      "roe": 0.13571474415134033,
      "roa": 0.007495917273260853,
      "cost_income": null,
      "leverage_ratio": 17.691931412161864,
      "total_assets_usd": 832820.6784983933
    },
    {
      "country_name": "Australia",
      "bank_name": "Commonwealth Bank of Australia (48123123124)",
      "fiscal_year": 2025,
      "roe": null,
      "roa": null,
      "cost_income": null,
      "leverage_ratio": null,
      "total_assets_usd": 800772.1655024181
    },
    {
      "country_name": "Australia",
      "bank_name": "Westpac Banking Corporation (33007457141)",
      "fiscal_year": 2025,
      "roe": null,
      "roa": null,
      "cost_income": null,
      "leverage_ratio": null,
      "total_assets_usd": 750433.6378291241
    },
    {
      "country_name": "United States",
      "bank_name": "U S BANK NATIONAL ASSN",
      "fiscal_year": 2025,
      "roe": 0.11882714454509886,
      "roa": 0.011780883639982982,
      "cost_income": 0.5718801193659433,
      "leverage_ratio": 9.857890520466118,
      "total_assets_usd": 676125.227
    },
    {
      "country_name": "Australia",
      "bank_name": "National Australia Bank Limited (12004044937)",
      "fiscal_year": 2025,
      "roe": null,
      "roa": null,
      "cost_income": null,
      "leverage_ratio": null,
      "total_assets_usd": 660046.4803868887
    },
    {
      "country_name": "United States",
      "bank_name": "CAPITAL ONE NATIONAL ASSN",
      "fiscal_year": 2025,
      "roe": 0.04172509329370729,
      "roa": 0.00558976144236317,
      "cost_income": 0.5531541732123565,
      "leverage_ratio": 6.7476363467782345,
      "total_assets_usd": 658464.24
    },
    {
      "country_name": "United States",
      "bank_name": "GOLDMAN SACHS BANK USA",
      "fiscal_year": 2025,
      "roe": 0.13604372333468281,
      "roa": 0.014487130380857157,
      "cost_income": 0.392081308985313,
      "leverage_ratio": 9.866865534648921,
      "total_assets_usd": 644997.0
    },
    {
      "country_name": "United States",
      "bank_name": "PNC BANK NATIONAL ASSN",
      "fiscal_year": 2025,
      "roe": 0.12813999261030257,
      "roa": 0.012867130578578911,
      "cost_income": 0.5781796398426953,
      "leverage_ratio": 9.56012762577818,
      "total_assets_usd": 568338.163
    },
    {
      "country_name": "United States",
      "bank_name": "TRUIST BANK",
      "fiscal_year": 2025,
      "roe": 0.08926685744226351,
      "roa": 0.010421107212057393,
      "cost_income": 0.5589740938000931,
      "leverage_ratio": 8.533587460259715,
      "total_assets_usd": 539519.0
    },
    {
      "country_name": "Australia",
      "bank_name": "Australia and New Zealand Banking Group Limited (11005357522)",
      "fiscal_year": 2025,
      "roe": null,
      "roa": null,
      "cost_income": null,
      "leverage_ratio": null,
      "total_assets_usd": 505026.5986029017
    },
    {
      "country_name": "Canada",
      "bank_name": "National Bank of Canada",
      "fiscal_year": 2025,
      "roe": 0.13662569277806394,
      "roa": 0.007328440026645168,
      "cost_income": null,
      "leverage_ratio": 18.113045458127644,
      "total_assets_usd": 440470.9545720129
    },
    {
      "country_name": "United States",
      "bank_name": "BANK OF NEW YORK MELLON",
      "fiscal_year": 2025,
      "roe": 0.16711086497525182,
      "roa": 0.01346812617860052,
      "cost_income": 0.6095124403116361,
      "leverage_ratio": 12.775702501508952,
      "total_assets_usd": 380997.0
    }
  ]
}