2026-07-01http://hdl.handle.net/123456789/415629This paper introduces a new set of financial access indicators for 139 countries across the globe and describes the results of a preliminary analysis of this data set. The new data set builds on previous work using a similar methodology. The new data set features broader country coverage and greater disaggregation by type of financial product and by type of institution supplying the product -- commercial banks, specialized state run savings and development banks, banks with mutual ownership structure (such as cooperatives), and microfinance institutions. The authors use the data set to conduct a rough estimation of the number of bank accounts in the world (6.2 billion) as well as the number of banked and unbanked individuals. In developed countries, they estimate 3.2 accounts per adult and 81 percent of adults banked. By contrast, in developing countries, they estimate only 0.9 accounts per adult and 28 percent banked. In regression analysis, they find that measures of development and physical infrastructure are positively associated with the indicators of deposit account, loan, and branch penetration.application/pdftext/plainCC BY 3.0 IGOhttp://creativecommons.org/licenses/by/3.0/igo/World BankACCESS POINTSACCESS TO CREDITACCESS TO FINANCEACCESS TO FINANCIAL SERVICESACCOUNT HOLDERACCOUNT HOLDERSACCOUNT MANAGEMENTACCOUNT OWNERSHIPAGRICULTURE BANKSAMOUNT OF LOANSAVERAGE BALANCEBALANCE SHEETSBANK ACCESSBANK ACCOUNTBANK ACCOUNTSBANK BRANCHBANK BRANCHESBANK DEPOSITBANK GOVERNORBANK LOANSBANK MARKETSBANK POLICYBANK REGULATIONBANK SUPERVISIONBANKING SECTORBANKING SECTOR OUTREACHBANKING SERVICESBORROWINGBRANCH BANKINGBRANCH DENSITYBUSINESS ACTIVITYBUSINESS LOANSCENTRAL BANKSCHECKING ACCOUNTCHECKSCOLLATERALCOMMERCIAL BANKCOMMERCIAL BANK BRANCHESCOMMERCIAL BANK LOANSCOMMERCIAL BANKINGCOMMERCIAL BANKSCONSUMER CREDITCONSUMER LOANCONSUMER LOANSCONSUMER PROTECTIONCONTRACT ENFORCEMENTCOOPERATIVE BANKSCOOPERATIVESCOUNTRY TO COUNTRYCREDIT ACCESSCREDIT INFORMATIONCREDIT MARKETCREDIT MARKETSCREDIT UNIONCREDIT UNIONSCREDITORCREDITOR RIGHTCREDITOR RIGHTSCUSTOMER BASEDATA AVAILABILITYDEBIT CARDSDEPOSITDEPOSIT ACCOUNTDEPOSIT ACCOUNTSDEPOSIT INSURANCEDEPOSIT INSURANCE SCHEMESDEPOSIT MONEY BANKSDEPOSIT SERVICEDEPOSIT SERVICESDEPOSIT TAKING INSTITUTIONSDEPOSITSDEVELOPING COUNTRIESDEVELOPING COUNTRYDEVELOPMENT BANKDEVELOPMENT BANKSDOMESTIC CREDITDOUBLE BOTTOM LINEDUMMY VARIABLEEASTERN CARIBBEAN CENTRAL BANKECONOMIC CONDITIONSECONOMIC DEVELOPMENTECONOMIC POLICIESECONOMIC STABILITYEDUCATION SPENDINGEMPLOYMENTENTERPRISE CREDITEQUAL OPPORTUNITIESFACTORINGFINANCE COMPANIESFINANCIAL ACCESSFINANCIAL ACCESS INDICATORSFINANCIAL DEVELOPMENTFINANCIAL EXCLUSIONFINANCIAL INFRASTRUCTUREFINANCIAL INSTITUTIONSFINANCIAL INSTRUMENTSFINANCIAL INTERMEDIATIONFINANCIAL OUTREACHFINANCIAL PENETRATIONFINANCIAL PRODUCTFINANCIAL PRODUCTSFINANCIAL REFORMSFINANCIAL REGULATORFINANCIAL REGULATORSFINANCIAL SERVICEFINANCIAL SERVICE PROVIDERSFINANCIAL STUDIESFINANCIAL SYSTEMFINANCIAL SYSTEMSFORMAL FINANCIAL INSTITUTIONSFORMAL FINANCIAL SERVICESFORMAL SAVINGSFUNGIBLEGOVERNMENT ACCOUNTSGOVERNMENT BANKSGOVERNMENT SAVINGSGROUP LENDINGHOLDINGHOUSEHOLD DEBTHOUSEHOLDSINCOMEINCOME DISTRIBUTIONINCOME INEQUALITYINCOME STATEMENTSINDIVIDUAL ACCOUNTSINDIVIDUAL LOANSINDIVIDUALS WITH BANK ACCOUNTSINEQUALITYINFLATIONINFORMATION INFRASTRUCTUREINTERNATIONAL BANKJURISDICTIONLEGAL SYSTEMLEGAL SYSTEMSLENDERSLOANLOAN APPLICATIONLOAN PRODUCTSLOANS TO INDIVIDUALSMACROECONOMIC MANAGEMENTMACROECONOMIC STABILITYMANDATESMARKET COMPETITIONMARKET SIZEMFIMFISMICRO-ENTERPRISEMICRO-ENTERPRISE DEVELOPMENTMICRO-ENTREPRENEURMICRO-LENDINGMICROCREDITMICROFINANCEMICROFINANCE INSTITUTIONMICROFINANCE INSTITUTIONSMIGRATIONMINIMUM BALANCEMINISTRIES OF FINANCEMODERN FINANCIAL SYSTEMSMORAL HAZARDNATIONAL SAVINGSNOMINAL INTEREST RATEOFFSHORE CENTERSOFFSHORE FINANCIAL CENTERSOUTREACHOUTSTANDING LOANSOWNERSHIP STRUCTUREPAYMENT SYSTEMSPHYSICAL ACCESSPOLITICAL ECONOMYPOLITICAL STABILITYPOOR ACCESSPORTFOLIOSPOST OFFICESPOSTAL BANKSPRIVATE CREDITPRIVATE FUNDSPRIVATE SECTOR DEVELOPMENTPROFITABILITYPUBLIC FUNDSREGULATORY AUTHORITIESREGULATORY BARRIERREGULATORY FRAMEWORKREGULATORY POLICIESREGULATORY REPORTSREPAYMENTRETAIL BANKINGRETAIL FINANCIAL INSTITUTIONSRETURNRISK MANAGEMENTRURAL BANKSSAVINGSSAVINGS ACCOUNTSSAVINGS BANKSSAVINGS RATESAVINGS SERVICESSECURITIESSETTLEMENTSETTLEMENT SYSTEMSSOCIAL BANKINGSUPERVISORY AGENCIESSUPERVISORY AGENCYSUPPLY OF CREDITTAXTAX INCENTIVESTIME DEPOSITTRANSACTIONTRANSACTION COSTSTRANSPARENCYTRANSPORTTRANSPORTATION INFRASTRUCTURETYPES OF INSTRUMENTSUNIVERSAL BANKSWEALTH EFFECT