Economic Inequality Report

Published:: 25 March 2026
Department:: Office of the Treasury, Bank of ASEAN
Classification:: Public

Key findings

The Gini coefficient of citizen bank deposits is 0.8929
The top 20% of citizens hold 93.7% of all wealth
The top 10 depositors hold 40.9% of total deposits
The median citizen balance is $373,304 — 19× below the mean

1. Methodology

This report analyses the distribution of bank deposits among citizens — defined as characters with more than 5 hours of cumulative session time. This threshold excludes transient visitors and inactive accounts, yielding a population of 688 citizen accounts out of 1,165 total registered accounts.

Wealth is measured by the balance held in each citizen's Bank of ASEAN deposit account. The Gini coefficient is calculated using the relative mean absolute difference method.

2. Summary Statistics

Table 1: Key economic indicators
Indicator	Value
Citizen Accounts	688
Total Citizen Deposits	$4,895,312,085
Share of Total Money Supply	99.3%
Mean Balance	$7,115,279
Median Balance	$373,304
Standard Deviation	$29,130,778
Zero-Balance Accounts	57 (8.3%)

Table 2: Balance percentiles
Percentile	Balance
P50 (Median)	$373,304
P90	$10,960,564
P95	$30,888,024
P99	$129,001,939

The mean-to-median ratio of 19.1× indicates extreme right-skew — a small number of very large accounts pull the average far above the typical citizen's balance.

3. Gini Coefficient

Gini = 0.8929

Table 3: International wealth Gini comparison
Economy	Wealth Gini
🇯🇵 Japan	0.63
🇸🇬 Singapore	0.76
🇺🇸 United States	0.85
🇿🇦 South Africa	0.88
🏁 ASEAN Motor Club	0.89

The AMC economy exhibits wealth concentration comparable to the most unequal real-world economies. This is structurally expected in a game economy where compounding returns (interest) and variable engagement create divergent wealth trajectories.

4. Lorenz Curve

The Lorenz curve shows cumulative wealth share by population percentile. A perfectly equal economy would follow the 45° diagonal.

Table 4: Lorenz curve — cumulative wealth distribution
Population %	Cumulative Wealth Share
10%	0.0%
20%	0.0%
30%	0.1%
40%	0.2%
50%	0.6%
60%	1.4%
70%	2.8%
80%	6.2%
90%	15.0%
100%	100.0%

! The bottom 80% of citizens hold just 6.2% of total wealth, while the top 10% hold 85.0%.

5. Wealth Bracket Distribution

Table 5: Wealth bracket breakdown
Bracket	Accounts	% of Citizens	Total Wealth	Wealth Share
Under $10K	128	18.6%	$163,334	0.0%
$10K – $100K	89	12.9%	$3,762,524	0.1%
$100K – $500K	154	22.4%	$37,455,322	0.8%
$500K – $1M	75	10.9%	$53,788,271	1.1%
$1M – $5M	126	18.3%	$302,693,342	6.2%
$5M – $10M	42	6.1%	$283,722,977	5.8%
$10M – $50M	51	7.4%	$1,217,925,576	24.9%
$50M – $100M	11	1.6%	$773,372,235	15.8%
$100M+	12	1.7%	$2,222,428,579	45.4%

The economy exhibits a clear two-tier structure:

Lower tier (under $1M): 446 citizens (64.8%) holding 2.0% of wealth
Upper tier ($1M and above): 242 citizens (35.2%) holding 98.0% of wealth

6. Quintile Analysis

Table 6: Wealth distribution by quintile
Quintile	Accounts	Wealth Share	Balance Range
Q1 (Poorest 20%)	138	0.0%	$0 – $12,748
Q2	138	0.2%	$12,855 – $180,570
Q3	138	1.1%	$181,920 – $725,144
Q4	137	4.9%	$734,571 – $3,356,646
Q5 (Richest 20%)	137	93.7%	$3,363,424 – $419,826,096

The Q5/Q1 wealth share ratio exceeds 2,000:1, indicating that progressive fiscal instruments such as the Wealth Tax are essential tools for redistribution.

7. Policy Implications

The Wealth Tax is well-justified. With a Gini of 0.89 and 93.7% of wealth concentrated in the top quintile, progressive taxation is the primary mechanism available to the Treasury for redistribution.
The median citizen is modestly wealthy. At $373K, the median citizen has meaningful savings but is orders of magnitude below the mean — policy should be calibrated to avoid burdening this middle class.
The zero-balance population (8.3%) warrants attention. 57 citizens with over 5 hours of engagement hold no bank savings, suggesting either active cash-only play or systemic barriers to wealth accumulation.