World Development Indicators

Financial access, stability and efficiency
Getting credit	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
Depositors with commercial banks	Borrowers from commercial banks	Commercial bank branches	Automated teller machines				lending rate minus deposit rate	Prime lending rate minus treasury bill rate
per 1,000 adults	per 1,000 adults	per 100,000 adults	per 100,000 adults	%	%	% of GDP	percentage points	percentage points
2021	2021	2021	2021	2021	2021	2020	2021	2021

Afghanistan	183	3	1.9	1.64	..	..	3.0	..	..
Albania	1,154	154	18.6	35.26	8.8	5.4	35.1	5.5	5.0
Algeria	..	47	5.3	9.30	10.3	16.4	26.1	6.3	5.0
American Samoa	..	..	..	..	..	..	..	..	..
Andorra	..	..	..	..	..	..	..	..	..
Angola	..	50	8.2	17.77	10.0	15.0	12.4	12.4	0.0
Antigua and Barbuda	..	..	19.4	54.35	9.3	6.7	53.8	5.8	..
Argentina	1,418	391	13.1	62.99	13.0	4.3	13.5	2.0	..
Armenia	..	..	24.3	67.12	11.5	6.6	69.1	3.5	4.0
Aruba	..	..	12.4	117.34	..	..	79.3	4.7	..
Australia	..	..	24.1	123.59	6.2	0.9	142.0	3.5	..
Austria	..	..	12.4	168.71	7.3	1.6	92.6	..	..
Azerbaijan	..	..	6.5	37.43	8.1	2.6	25.0	7.7	..
Bahamas, The	..	..	24.7	124.21	..	..	60.4	3.7	1.7
Bahrain	..	..	..	..	..	..	..	..	..
Bangladesh	943	84	9.0	11.45	4.8	8.0	39.0	2.3	6.0
Barbados	..	..	13.7	29.99	10.4	7.2	85.7	7.9	7.6
Belarus	..	..	..	57.30	12.1	5.3	26.1	1.8	..
Belgium	..	675	26.2	67.17	6.2	2.0	74.7	..	..
Belize	796	184	18.0	47.84	10.4	3.9	54.9	6.2	7.2
Benin	327	..	3.5	4.26	..	..	15.5	1.0	..
Bermuda	..	..	..	..	..	..	..	..	..
Bhutan	..	..	20.9	45.21	12.2	8.4	67.5	11.0	..
Bolivia	..	82	72.1	43.26	6.7	1.5	80.2	4.9	..
Bosnia and Herzegovina	..	327	29.9	58.19	10.0	5.8	53.4	2.6	..
Botswana	830	177	7.5	36.31	8.6	4.2	39.6	3.8	..
Brazil	771	701	17.1	94.47	8.8	2.1	68.7	25.7	22.9
Brunei Darussalam	1,508	363	16.2	73.10	10.1	3.1	38.8	5.4	..
Bulgaria	1,380	418	61.5	89.18	11.1	5.9	51.5	4.1	..
Burkina Faso	208	37	2.9	4.50	..	..	28.6	1.0	..
Burundi	..	..	..	..	..	..	23.2	..	..
Cambodia	..	..	12.4	31.61	14.4	1.7	139.6	..	..
Cameroon	119	37	2.2	5.04	6.5	14.1	14.1	..	..
Canada	..	..	20.7	212.44	4.8	0.4	..	..	..
Cabo Verde	1,968	208	42.1	51.17	..	..	67.9	7.0	6.6
Cayman Islands	..	..	..	..	..	..	..	..	..
Central African Republic	..	..	..	..	13.9	13.9	11.4	..	..
Chad	49	8	0.9	2.29	5.0	26.1	10.0	..	..
Channel Islands	..	..	..	..	..	..	..	..	..
Chile	..	346	11.1	48.79	6.7	1.2	88.3	..	..
China	40	566	8.8	81.44	7.8	1.7	182.9	2.9	..
Hong Kong SAR, China	..	..	19.8	51.17	9.1	0.9	258.9	5.0	5.0
Macao SAR, China	..	..	39.5	316.31	2.8	0.6	269.2	5.1	..
Colombia	1,596	256	12.8	40.02	12.2	3.0	54.3	7.3	..
Comoros	147	16	4.8	5.51	10.1	23.7	14.7	6.1	..
Congo, Dem. Rep.	..	27	0.7	..	4.9	5.2	7.4	17.6	..
Congo, Rep.	111	..	2.8	11.88	10.9	16.9	15.5	..	..
Costa Rica	1,574	232	16.3	64.83	7.4	2.3	59.2	3.9	..
Cote d'Ivoire	346	..	4.8	7.34	..	..	20.5	..	..
Croatia	1,474	550	26.8	140.70	11.6	5.7	58.9	..	..
Cuba	..	..	..	..	..	..	..	..	..
Curacao	..	..	..	..	9.6	9.8	..	..	..
Cyprus	1,377	326	28.3	39.29	7.3	9.0	107.8	..	..
Czechia	..	..	17.3	59.01	6.9	1.7	53.1	3.0	..
Denmark	..	..	17.5	41.03	4.8	1.2	163.9	..	..
Djibouti	141	48	8.9	16.63	5.6	6.7	20.9	..	..
Dominica	..	..	11.1	27.71	4.2	14.4	53.2	4.6	..
Dominican Republic	698	204	11.2	37.92	..	..	29.0	7.1	..
Ecuador	651	136	9.2	37.60	11.6	3.7	46.3	..	..
Egypt, Arab Rep.	385	119	6.8	27.56	..	..	25.8	2.0	-3.3
El Salvador	773	..	9.1	36.28	8.9	1.8	57.7	..	..
Equatorial Guinea	295	36	6.5	12.63	-1.3	55.1	12.8	..	..
Eritrea	..	..	..	..	..	..	..	..	..
Estonia	2,041	449	7.5	62.61	9.3	1.1	63.4	..	..
Ethiopia	..	..	..	..	7.1	5.4	..	..	..
Faroe Islands	..	..	..	..	..	..	..	..	..
Fiji	..	..	10.6	50.48	10.8	8.5	83.9	3.4	5.4
Finland	..	..	6.2	36.75	6.1	1.5	99.9	..	..
France	..	..	33.3	93.54	5.3	2.4	121.1	..	..
French Polynesia	..	..	..	..	..	..	..	..	..
Gabon	..	..	..	..	10.2	7.6	13.3	..	..
Gambia, The	..	..	7.2	9.16	13.0	4.5	7.6	14.7	16.1
Georgia	1,026	535	31.3	95.39	13.0	1.9	76.0	2.2	3.6
Germany	..	..	9.4	79.47	5.9	1.1	84.1	..	..
Ghana	718	53	11.5	11.37	9.0	15.1	12.1	..	..
Greece	..	..	16.8	64.05	7.0	9.2	82.3	..	..
Greenland	..	..	..	..	..	..	..	..	..
Grenada	..	..	22.1	40.62	7.2	2.9	59.4	5.4	..
Guam	..	..	..	..	..	..	..	..	..
Guatemala	..	148	24.0	36.91	6.6	1.7	35.2	8.1	..
Guinea	105	16	2.7	2.57	11.4	9.2	9.7	..	..
Guinea-Bissau	171	..	4.0	6.81	..	..	14.8	..	..
Guyana	..	..	8.0	20.59	..	..	27.2	8.1	7.3
Haiti	253	11	2.6	3.81	..	..	8.2	8.4	..
Honduras	..	105	15.5	25.09	10.4	2.7	69.2	10.2	..
Hungary	1,252	429	22.4	59.22	8.4	3.7	37.6	2.0	2.1
Iceland	..	..	26.6	70.43	14.7	2.1	100.3	..	3.6
India	..	..	14.6	21.44	7.8	6.5	54.5	..	..
Indonesia	..	168	15.8	48.09	13.2	2.6	33.1	5.3	..
Iran, Islamic Rep.	..	..	..	..	..	..	..	..	..
Iraq	..	..	3.9	6.07	13.5	16.2	13.3	..	..
Ireland	..	..	16.1	44.91	9.9	2.5	32.9	..	..
Isle of Man	..	..	..	..	..	..	..	..	..
Israel	1,062	..	15.2	131.46	6.3	1.1	67.5	2.7	3.1
Italy	733	555	34.5	88.47	6.1	3.3	81.5	..	2.5
Jamaica	..	..	6.3	39.69	..	..	56.7	8.9	9.5
Japan	..	..	33.9	116.94	..	..	118.9	..	..
Jordan	..	..	13.9	31.48	..	..	83.1	3.6	..
Kazakhstan	..	..	13.1	92.46	11.8	6.9	22.0	..	..
Kenya	..	346	4.4	6.94	12.1	10.9	32.1	5.4	5.1
Kiribati	..	..	..	..	..	..	..	..	..
Korea, Dem. People's Rep.	..	..	..	..	..	..	..	..	..
Korea, Rep.	..	..	13.7	259.46	7.4	0.2	164.1	1.7	..
Kosovo	..	130	11.6	28.57	9.8	2.1	47.8	..	..
Kuwait	1,257	213	13.0	81.21	12.2	1.4	6.2	2.3	..
Kyrgyz Republic	860	127	7.4	42.31	12.4	10.8	26.5	15.3	9.5
Lao PDR	675	29	3.1	28.06	..	..	..	..	..
Latvia	1,282	295	6.6	57.87	9.0	2.5	33.7	..	..
Lebanon	469	129	18.4	33.72	8.6	15.2	..	0.8	6.1
Lesotho	415	40	3.7	13.86	10.7	4.1	21.6	6.5	4.8
Liberia	..	10	3.1	3.80	..	..	13.2	..	..
Libya	..	..	..	..	..	..	15.4	..	..
Liechtenstein	..	..	..	..	..	..	..	..	..
Lithuania	..	..	11.2	30.00	5.5	0.5	37.3	..	..
Luxembourg	..	..	56.5	99.18	7.9	1.3	110.2	..	..
North Macedonia	1,077	344	22.4	56.69	10.5	3.1	53.7	3.7	..
Madagascar	107	74	3.0	3.16	6.7	9.1	16.3	34.5	42.6
Malawi	150	17	2.0	4.41	8.3	3.7	7.5	..	14.2
Malaysia	714	309	8.7	54.28	8.8	1.7	133.8	1.9	..
Maldives	1,229	255	13.8	39.95	15.8	6.7	47.6	7.9	8.1
Mali	195	..	4.2	4.64	..	..	25.9	..	..
Malta	1,540	323	23.5	45.44	7.6	3.4	80.7	..	..
Marshall Islands	..	..	11.7	5.03	..	..	..	..	..
Mauritania	223	96	11.3	10.94	..	..	22.6	..	..
Mauritius	1,948	248	15.0	42.52	9.1	5.8	91.8	6.2	6.2
Mexico	..	..	12.0	62.26	10.8	2.1	27.7	4.4	0.5
Micronesia, Fed. Sts.	..	..	12.5	11.21	5.3	0.3	24.2	12.6	..
Moldova	1,454	182	29.9	53.16	12.4	6.1	23.3	3.9	1.6
Monaco	..	..	..	..	4.6	0.2	..	..	..
Mongolia	..	..	61.3	45.79	..	..	45.0	9.4	..
Montenegro	..	300	25.8	77.06	9.2	6.8	60.0	5.4	4.9
Morocco	..	..	22.2	28.92	..	..	66.0	..	..
Mozambique	..	51	3.7	9.06	13.1	10.6	23.4	11.2	5.4
Myanmar	341	13	5.6	6.86	..	..	29.0	9.0	..
Namibia	1,053	335	9.3	72.95	9.3	6.4	60.6	3.9	2.3
Nepal	..	..	22.3	20.26	9.0	1.2	88.3	..	..
Netherlands	..	..	5.5	33.20	5.8	1.7	102.9	..	..
New Caledonia	..	..	..	..	..	..	..	..	..
New Zealand	..	..	17.7	53.89	..	..	144.1	..	..
Nicaragua	400	..	8.0	21.66	8.2	2.4	27.8	8.1	..
Niger	73	..	1.6	1.90	..	..	11.6	..	..
Nigeria	1,458	36	4.3	16.15	6.8	4.9	11.2	7.3	9.3
Northern Mariana Islands	..	..	..	61.54	..	..	..	..	..
Norway	..	..	..	27.15	..	0.5	138.4	2.0	..
Oman	..	..	14.2	41.33	..	..	76.5	1.3	..
Pakistan	445	26	10.4	11.11	5.1	7.9	14.9	2.9	1.1
Palau	..	..	..	..	..	..	..	..	..
Panama	..	..	19.5	72.71	12.2	2.3	90.4	..	..
Papua New Guinea	..	..	1.6	7.89	13.5	6.2	15.4	7.2	3.7
Paraguay	618	262	9.6	25.87	69.1	2.3	50.7	9.1	..
Peru	1,199	144	5.3	117.24	9.4	3.9	55.3	10.3	..
Philippines	755	..	9.0	29.37	9.7	4.0	52.0	3.0	2.8
Poland	1,274	453	23.2	66.82	6.7	2.9	49.8	..	..
Portugal	..	514	30.7	162.87	6.6	3.7	104.2	..	..
Puerto Rico	..	..	..	..	..	..	..	..	..
Qatar	800	235	8.5	52.41	..	..	138.4	2.0	..
Romania	..	234	21.7	62.72	8.6	3.4	25.8	4.0	2.1
Russian Federation	..	..	24.6	164.93	8.2	6.7	59.6	3.4	..
Rwanda	288	54	3.4	4.18	..	..	24.9	8.1	9.8
Samoa	1,215	113	25.4	61.96	12.7	3.6	49.6	6.4	..
San Marino	1,397	392	105.9	126.43	5.1	59.0	..	2.9	..
Sao Tome and Principe	..	..	..	..	..	..	18.8	16.1	..
Saudi Arabia	1,344	148	7.4	62.04	13.8	1.9	..	..	..
Senegal	245	..	5.1	6.83	..	..	29.3	..	..
Serbia	..	555	26.4	53.39	..	..	45.4	..	..
Seychelles	2,323	359	39.7	92.53	6.8	5.5	40.6	6.4	5.4
Sierra Leone	..	..	..	..	..	..	0.0	13.5	17.1
Singapore	2,715	1,076	7.0	54.33	8.2	1.3	129.1	5.1	..
Sint Maarten (Dutch part)	..	..	..	..	..	10.0	..	..	..
Slovak Republic	..	..	21.1	62.83	7.6	2.1	66.3	..	..
Slovenia	..	..	22.6	79.78	9.2	2.1	43.3	..	..
Solomon Islands	492	86	3.8	13.94	13.4	10.4	20.7	4.7	4.7
Somalia	..	..	..	..	..	..	..	..	..
South Africa	..	..	8.0	43.55	8.1	4.5	61.9	3.2	3.3
South Sudan	87	1	1.4	0.78	..	..	1.9	16.1	-4.3
Spain	..	435	37.4	96.54	5.8	2.9	106.6	..	..
Sri Lanka	..	..	17.4	..	6.8	4.9	46.9	2.5	2.2
St. Kitts and Nevis	..	..	28.0	72.83	8.1	20.9	61.5	4.9	..
St. Lucia	..	..	13.2	42.84	10.4	13.8	78.7	5.4	..
St. Martin (French part)	..	..	..	..	..	..	..	..	..
St. Vincent and the Grenadines	859	..	16.0	34.62	5.2	7.8	47.3	5.9	..
Sudan	..	..	..	..	..	..	7.9	..	..
Suriname	1,210	132	11.0	42.48	..	..	24.2	8.0	..
Eswatini	509	205	6.5	41.67	4.5	9.4	21.7	5.5	2.3
Sweden	..	..	11.4	28.30	6.5	0.4	137.8	..	..
Switzerland	..	..	36.4	91.65	7.7	0.7	..	3.1	..
Syrian Arab Republic	..	..	..	..	..	..	..	..	..
Tajikistan	1,385	53	3.4	23.12	20.9	13.7	11.8	18.4	..
Tanzania	..	..	..	..	12.7	7.6	12.4	10.0	12.3
Thailand	1,425	397	9.7	108.14	10.7	3.1	125.4	2.7	2.6
Timor-Leste	577	49	5.5	13.39	..	..	13.3	10.5	..
Togo	263	..	5.5	6.94	..	..	27.1	..	..
Tonga	..	..	..	..	15.2	3.5	39.1	5.9	..
Trinidad and Tobago	..	..	11.0	44.08	11.2	3.2	46.6	5.9	7.0
Tunisia	..	250	22.3	33.22	..	..	67.6	..	..
Turkiye	1,914	873	15.0	80.37	7.2	3.0	70.9	..	..
Turkmenistan	..	..	..	..	..	..	..	..	..
Turks and Caicos Islands	..	..	..	..	..	..	..	..	..
Tuvalu	..	..	..	..	..	..	..	..	..
Uganda	541	40	2.3	3.70	14.7	5.2	13.0	..	..
Ukraine	1,960	..	0.4	91.24	6.9	31.7	20.9	8.7	..
United Arab Emirates	1,123	543	7.6	51.70	11.8	7.3	87.9	..	..
United Kingdom	..	..	..	96.28	5.3	1.0	146.4	..	..
United States	..	..	28.3	..	8.6	0.8	53.8	..	3.2
Uruguay	1,110	600	9.6	276.29	10.2	0.7	27.8	3.7	1.2
Uzbekistan	688	211	48.0	52.01	13.2	5.1	35.5	5.1	8.1
Vanuatu	735	85	21.1	56.56	..	..	60.0	8.8	..
Venezuela, RB	..	..	..	..	..	..	..	..	..
Viet Nam	..	..	2.9	27.05	7.5	1.6	115.5	4.4	..
Virgin Islands (U.S.)	..	..	..	..	..	..	..	..	..
West Bank and Gaza	714	153	12.8	23.24	8.0	4.2	52.2	3.3	..
Yemen, Rep.	..	..	..	..	..	..	..	..	..
Zambia	221	34	2.9	8.81	10.3	5.8	12.2	0.8	-11.3
Zimbabwe	511	66	6.2	6.05	..	..	5.4	37.4	..
World	..	156	11.2	39.49	..	..	97.4	5.9	..
East Asia & Pacific	..	..	9.7	49.63	..	..	156.2	5.1	..
Europe & Central Asia	..	425	21.1	59.12	..	..	94.8	..	..
Latin America & Caribbean	759	232	11.2	43.26	..	..	50.0	6.1	..
Middle East & North Africa	..	150	12.8	32.35	..	..	..	..	..
North America	..	..	24.5	212.44	..	..	53.8	..	..
South Asia	376	23	14.6	15.86	..	..	49.4	5.4	..
Sub-Saharan Africa	263	41	4.1	6.94	..	..	26.4	8.1	..
Low income	..	..	3.0	4.30	..	..	..	..	..
Lower middle income	469	82	8.1	20.26	..	..	47.4	6.5	..
Upper middle income	1,077	259	12.4	53.28	..	..	137.9	5.4	..
High income	..	..	17.5	62.72	..	..	85.9	..	..

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