World Development Indicators

Financial access, stability and efficiency
Financial access and outreach		Bank capital to assets ratio	Ratio of bank non-performing loans to total gross loans	Domestic credit to private sector by banks	Interest rate spread	Risk premium on lending
Commercial bank branches	Automated teller machines				lending rate minus deposit rate	Prime lending rate minus treasury bill rate
per 100,000 adults	per 100,000 adults	%	%	% of GDP	percentage points	percentage points
2021	2021	2021	2021	2021	2021	2020

Afghanistan	1.9	1.64	..	..	3.0	..	..
Albania	16.4	34.92	8.8	5.4	33.6	5.5	5.2
Algeria	5.3	9.37	9.2	19.6	22.6	6.3	5.0
American Samoa	..	..	..	..	..	..	..
Andorra	..	96.25	..	..	..	..	..
Angola	8.0	17.17	10.0	15.0	9.3	12.4	3.2
Antigua and Barbuda	19.8	55.50	8.8	7.8	45.4	5.8	7.0
Argentina	12.9	74.99	13.0	4.3	11.3	2.0	..
Armenia	25.7	75.01	11.2	1.8	58.9	3.5	5.8
Aruba	12.4	117.33	..	..	67.5	4.7	..
Australia	21.1	122.40	6.2	0.9	138.7	3.5	..
Austria	12.3	168.56	7.7	2.1	92.8	..	..
Azerbaijan	6.5	38.51	8.1	2.6	22.0	7.7	..
Bahamas, The	23.5	118.34	..	..	49.1	3.7	2.5
Bahrain	15.9	39.57	..	..	..	..	..
Bangladesh	8.8	11.26	4.8	8.0	39.0	2.3	3.5
Barbados	14.2	30.91	10.4	7.2	77.1	7.9	7.6
Belarus	..	57.23	12.1	5.3	24.1	1.8	..
Belgium	22.8	58.68	6.2	2.0	73.0	..	..
Belize	18.1	45.98	10.5	18.3	47.6	6.2	7.5
Benin	3.4	4.14	..	..	15.6	1.0	..
Bermuda	..	..	..	..	..	..	..
Bhutan	20.9	45.21	8.2	6.7	65.0	11.0	..
Bolivia	71.9	43.18	6.7	1.5	74.5	4.9	..
Bosnia and Herzegovina	30.0	58.50	10.0	5.8	49.3	2.6	..
Botswana	6.9	33.57	8.6	4.2	34.4	3.8	..
Brazil	17.2	95.41	8.8	2.1	68.8	25.7	26.3
Brunei Darussalam	16.2	73.10	10.1	3.1	35.1	5.4	..
Bulgaria	61.2	88.75	11.1	5.9	48.1	4.1	..
Burkina Faso	2.7	4.38	..	..	29.4	1.0	..
Burundi	3.2	1.45	..	..	34.7	..	..
Cambodia	12.4	31.65	14.4	1.7	121.8	..	..
Cameroon	2.2	5.04	6.5	14.1	14.1	..	..
Canada	20.7	212.43	4.8	0.4	..	..	..
Cabo Verde	30.1	48.21	..	..	66.8	7.0	7.2
Cayman Islands	..	..	..	..	..	..	..
Central African Republic	..	..	13.9	13.9	11.5	..	..
Chad	0.8	1.63	5.0	26.1	8.3	..	..
Channel Islands	..	..	..	..	..	..	..
Chile	10.9	47.76	6.7	1.2	81.0	..	..
China	8.8	81.51	7.8	1.7	173.6	2.9	..
Hong Kong SAR, China	19.6	50.69	9.1	0.9	259.2	5.0	4.6
Macao SAR, China	38.0	303.27	2.8	0.7	230.0	5.1	..
Colombia	12.7	39.68	12.2	3.0	47.9	7.3	..
Comoros	5.1	5.13	7.7	16.1	15.7	6.1	..
Congo, Dem. Rep.	0.7	..	4.9	5.2	7.2	17.6	..
Congo, Rep.	2.8	13.54	10.9	16.9	13.8	..	..
Costa Rica	16.3	64.62	7.4	2.3	55.6	3.9	..
Cote d'Ivoire	4.7	7.28	..	..	21.0	..	..
Croatia	26.9	140.88	11.6	5.7	52.9	..	..
Cuba	..	..	..	..	..	..	..
Curacao	..	..	9.6	9.8	..	..	..
Cyprus	27.5	38.17	7.3	9.0	87.3	..	..
Czechia	17.7	60.25	6.9	1.7	52.0	3.0	3.1
Denmark	17.5	40.98	4.8	1.2	154.4	..	..
Djibouti	8.4	15.55	5.6	6.7	18.6	..	..
Dominica	13.8	34.47	7.5	15.7	49.4	4.6	6.0
Dominican Republic	11.1	37.46	8.7	1.3	26.6	7.1	..
Ecuador	9.2	37.25	11.6	3.7	47.5	..	..
Egypt, Arab Rep.	6.4	25.99	..	..	28.2	2.0	-1.8
El Salvador	9.3	37.18	8.9	1.8	52.5	..	..
Equatorial Guinea	5.9	12.69	-1.3	55.1	10.4	..	..
Eritrea	..	..	..	..	..	..	..
Estonia	7.5	62.51	9.3	1.1	59.3	..	..
Ethiopia	12.0	9.27	7.1	5.4	..	..	..
Faroe Islands	..	..	..	..	..	..	..
Fiji	10.3	49.29	10.8	8.5	90.3	3.4	4.4
Finland	6.1	36.66	6.1	1.5	98.6	..	..
France	33.1	89.28	5.7	2.2	116.2	..	..
French Polynesia	..	..	..	..	..	..	..
Gabon	..	..	10.2	7.6	13.3	..	..
Gambia, The	5.9	8.58	11.1	5.1	8.4	14.7	19.9
Georgia	31.6	96.40	13.0	1.9	70.0	2.2	3.2
Germany	7.6	77.00	7.0	1.2	81.8	..	..
Ghana	11.2	11.06	9.0	15.1	12.0	..	..
Greece	17.1	63.12	7.0	11.9	56.0	..	..
Greenland	..	..	..	..	..	..	..
Grenada	20.1	36.99	9.8	2.9	57.3	5.4	4.2
Guam	..	..	..	..	..	..	..
Guatemala	24.0	36.93	6.6	1.7	35.1	8.1	..
Guinea	2.6	2.53	11.4	9.2	8.8	..	..
Guinea-Bissau	3.4	6.53	..	..	13.1	..	..
Guyana	8.0	20.57	..	..	20.2	8.1	7.9
Haiti	2.6	3.81	..	..	8.1	8.4	..
Honduras	15.3	24.73	6.5	2.8	65.6	10.2	..
Hungary	22.4	59.29	8.9	3.6	38.1	2.0	1.5
Iceland	26.4	69.94	14.7	2.1	101.3	..	3.8
India	14.4	21.21	7.8	6.5	50.1	..	..
Indonesia	15.9	48.45	13.2	2.6	32.0	5.3	..
Iran, Islamic Rep.	..	..	..	..	..	..	..
Iraq	3.6	5.81	12.8	18.5	11.2	..	..
Ireland	15.9	44.56	10.9	2.5	26.4	..	..
Isle of Man	..	..	..	..	..	..	..
Israel	15.3	132.18	6.3	1.1	69.2	2.7	3.2
Italy	34.4	88.23	6.1	3.3	74.4	..	2.5
Jamaica	6.4	35.19	..	..	54.4	8.9	10.8
Japan	33.7	116.25	4.8	1.2	120.6	..	..
Jordan	12.9	29.22	11.7	6.7	81.9	3.6	..
Kazakhstan	13.1	92.93	11.6	3.3	23.0	..	..
Kenya	4.6	7.02	12.1	10.9	31.1	5.4	5.1
Kiribati	..	..	..	..	..	..	..
Korea, Dem. People's Rep.	..	..	..	..	..	..	..
Korea, Rep.	13.6	257.12	7.1	0.2	170.8	1.7	..
Kosovo	15.1	37.04	9.8	2.1	47.0	..	6.2
Kuwait	12.7	66.43	12.2	1.4	4.7	2.3	..
Kyrgyz Republic	7.5	43.03	12.4	10.8	24.0	15.3	11.2
Lao PDR	3.1	27.65	..	..	..	..	..
Latvia	6.5	57.04	9.0	2.5	32.5	..	..
Lebanon	23.2	42.59	8.6	15.2	..	0.8	6.1
Lesotho	3.6	13.50	10.9	4.1	22.0	6.5	4.7
Liberia	3.1	3.85	..	..	12.7	..	..
Libya	12.2	11.39	..	..	11.0	..	..
Liechtenstein	..	..	..	..	..	..	..
Lithuania	11.1	42.68	5.5	0.5	37.2	..	..
Luxembourg	56.7	99.40	7.9	1.3	103.0	..	..
North Macedonia	25.2	63.62	10.5	3.1	53.2	3.7	..
Madagascar	2.9	3.08	6.7	9.1	17.8	34.5	42.0
Malawi	2.0	4.40	8.3	3.7	8.0	..	15.7
Malaysia	8.5	52.78	8.8	1.7	127.2	1.9	..
Maldives	14.9	42.63	15.9	12.6	34.9	7.9	8.1
Mali	4.4	4.63	..	..	23.7	..	..
Malta	22.9	44.62	7.6	5.2	68.4	..	..
Marshall Islands	24.9	10.68	..	..	..	..	..
Mauritania	12.2	11.81	..	..	22.6	..	..
Mauritius	15.1	42.63	9.1	5.8	86.4	6.2	6.2
Mexico	12.2	63.56	10.9	2.0	26.1	4.2	1.0
Micronesia, Fed. Sts.	12.8	11.48	5.3	0.3	23.4	12.6	..
Moldova	31.1	55.34	12.4	6.1	23.4	3.9	3.0
Monaco	..	..	4.6	0.2	..	..	..
Mongolia	61.6	46.37	..	..	47.2	9.4	..
Montenegro	33.8	77.37	9.2	6.8	52.3	5.4	5.0
Morocco	22.5	29.28	8.2	9.1	61.8	..	..
Mozambique	3.8	9.06	13.1	10.6	22.5	11.2	7.7
Myanmar	5.6	6.86	..	..	29.0	9.0	..
Namibia	9.5	74.04	9.3	6.4	58.2	3.9	2.6
Nepal	22.4	20.39	9.0	1.2	103.5	..	..
Netherlands	5.4	33.18	6.7	1.7	93.9	..	..
New Caledonia	..	..	..	..	..	..	..
New Zealand	17.7	53.74	..	..	140.8	..	..
Nicaragua	7.9	21.48	8.2	2.5	25.5	8.1	..
Niger	1.6	1.87	..	..	13.0	..	..
Nigeria	4.2	15.99	6.8	4.9	12.2	7.3	12.0
Northern Mariana Islands	..	61.54	..	..	..	..	..
Norway	..	27.10	10.8	0.5	116.2	2.0	..
Oman	16.9	50.36	..	..	68.1	1.3	..
Pakistan	10.5	11.45	5.1	7.9	15.3	2.9	2.1
Palau	..	..	..	..	..	..	..
Panama	19.6	73.39	12.2	2.3	78.5	..	..
Papua New Guinea	1.4	7.21	13.5	6.2	14.2	7.2	0.8
Paraguay	10.4	28.01	9.4	2.3	49.4	9.1	..
Peru	5.4	118.61	9.4	3.9	47.1	10.3	..
Philippines	9.0	29.10	9.5	4.0	49.9	3.0	2.8
Poland	23.3	66.98	6.7	2.9	45.7	..	..
Portugal	30.7	162.78	6.6	3.7	98.8	..	..
Puerto Rico	..	..	..	..	..	..	..
Qatar	9.4	58.56	..	..	122.9	2.0	..
Romania	21.8	63.10	8.6	3.4	26.3	4.0	2.9
Russian Federation	22.8	154.66	6.7	6.1	54.6	3.4	..
Rwanda	3.3	4.10	13.7	4.6	25.2	8.1	10.8
Samoa	23.5	57.25	12.7	3.6	54.1	6.4	..
San Marino	122.8	146.64	5.1	59.0	..	2.9	..
Sao Tome and Principe	17.2	30.65	..	..	16.7	16.1	..
Saudi Arabia	7.4	62.34	14.0	1.9	..	..	..
Senegal	5.7	6.90	..	..	29.9	..	..
Serbia	26.2	52.86	..	..	41.4	..	..
Seychelles	39.3	91.77	6.8	5.5	34.6	6.4	6.9
Sierra Leone	2.6	1.24	..	..	4.2	13.5	9.9
Singapore	6.9	54.07	8.2	1.3	129.2	5.1	..
Sint Maarten (Dutch part)	..	..	..	10.0	..	..	..
Slovak Republic	21.1	63.05	7.6	2.1	65.1	..	..
Slovenia	22.6	79.81	9.2	2.1	41.1	..	..
Solomon Islands	4.0	13.74	13.4	10.4	21.3	4.7	10.2
Somalia	..	..	..	..	0.0	..	..
South Africa	9.5	53.94	8.1	4.5	57.8	3.2	3.2
South Sudan	1.6	0.88	..	..	2.7	16.1	-4.3
Spain	37.3	96.24	5.8	2.9	96.2	..	..
Sri Lanka	17.3	..	6.4	4.5	46.9	2.5	2.2
St. Kitts and Nevis	36.7	117.82	13.0	20.9	68.2	4.9	..
St. Lucia	14.3	44.28	8.0	12.6	63.0	5.4	6.1
St. Martin (French part)	..	..	..	..	..	..	..
St. Vincent and the Grenadines	17.2	38.14	7.9	7.8	46.2	5.9	..
Sudan	..	..	..	..	6.6	..	..
Suriname	10.7	41.05	..	..	18.1	8.0	..
Eswatini	6.2	39.76	17.5	9.6	20.8	5.5	2.1
Sweden	11.4	26.88	5.7	0.4	135.6	..	..
Switzerland	36.5	93.56	7.4	0.7	..	3.1	..
Syrian Arab Republic	..	..	..	..	..	..	..
Tajikistan	3.4	22.77	20.9	13.7	9.5	18.4	..
Tanzania	2.5	5.71	12.7	7.6	12.9	10.0	12.3
Thailand	9.4	105.02	10.7	3.1	126.8	2.7	2.7
Timor-Leste	5.5	13.34	..	..	8.3	10.5	..
Togo	5.0	6.43	..	..	26.8	..	..
Tonga	..	..	15.2	3.5	36.1	5.9	..
Trinidad and Tobago	10.1	40.29	11.2	3.2	40.8	5.9	5.3
Tunisia	21.9	32.64	..	..	64.6	..	..
Turkiye	15.2	81.13	7.2	3.0	66.1	..	..
Turkmenistan	..	..	..	..	..	..	..
Turks and Caicos Islands	..	..	..	..	..	..	..
Tuvalu	..	..	..	..	..	..	..
Uganda	2.3	3.78	14.8	5.4	13.3	..	10.0
Ukraine	0.4	90.43	6.9	31.7	17.6	8.7	..
United Arab Emirates	8.1	55.32	11.8	7.3	75.1	..	..
United Kingdom	..	96.76	5.3	1.0	137.9	..	..
United States	28.2	..	8.6	0.8	50.2	..	3.2
Uruguay	9.7	278.30	8.9	1.3	26.7	3.7	2.8
Uzbekistan	48.9	53.00	13.2	5.1	32.1	5.1	8.5
Vanuatu	21.1	56.56	..	..	58.7	8.8	..
Venezuela, RB	..	..	..	..	..	..	..
Viet Nam	2.9	27.03	7.5	1.6	124.3	4.4	..
Virgin Islands (U.S.)	..	..	..	..	..	..	..
West Bank and Gaza	13.1	23.70	8.0	4.2	47.3	3.3	..
Yemen, Rep.	..	..	..	..	..	..	..
Zambia	2.8	8.52	10.3	5.8	8.5	0.8	-11.3
Zimbabwe	5.8	5.67	..	..	6.9	37.4	..
World	11.1	39.72	..	..	94.1	5.9	..
East Asia & Pacific	9.4	50.69	..	..	154.1	5.1	..
Europe & Central Asia	21.5	62.51	..	..	89.0	..	..
Latin America & Caribbean	11.1	40.29	..	..	47.4	6.1	..
Middle East & North Africa	12.4	30.96	..	..	51.0	..	..
North America	24.5	212.43	..	..	50.2	..	..
South Asia	15.9	20.39	..	..	49.4	7.9	..
Sub-Saharan Africa	3.8	6.90	..	..	26.1	8.1	..
Low income	3.1	4.10	..	..	13.6	..	..
Lower middle income	8.0	20.39	..	..	46.0	6.3	..
Upper middle income	12.2	50.62	..	..	133.2	5.5	..
High income	17.5	63.07	..	..	81.7	..	..

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