IndicatorName: Received government transfers: into a financial institution account (% age 15+)

Longdefinition: The percentage of respondents who report using their accounts at a formal financial institution to receive money or payments from the government in the past 12 months (% age 15+). The values correspond to Global Findex variable fin39a_t_a.


IndicatorName: Received domestic remittances: through a financial institution (% age 15+)

Longdefinition: The percentage of respondents who report using their accounts at a formal financial institution to receive money from family members living elsewhere in the past 12 months (% age 15+). The values correspond to Global Findex variable fin27a_t_a.

Source: Global Financial Inclusion (Global Findex) Database, World Bank

Topic: Access


IndicatorName: Received wages: into a financial institution account (% age 15+)

Longdefinition: The percentage of respondents who report using their accounts at a formal financial institution to receive money or payments for work or from selling goods in the past 12 months (% age 15+). The values correspond to Global Findex variable fin34a_t_a.


IndicatorName: Saved any money in the past year (% age 15+)

Longdefinition: The percentage of respondents who report saving or setting aside any money in the past 12 months (% age 15+). The values correspond to Global Findex variable fin18_t_d.


IndicatorName: Saved using a savings club or a person outside the family (% age 15+)

Longdefinition: The percentage of respondents who report saving or setting aside any money by using an informal savings club or a person outside the family in the past 12 months (% age 15+). The values correspond to Global Findex variable fin17b_t_a.


IndicatorName: Borrowed any money in the past year (% age 15+)

Longdefinition: The percentage of respondents who borrowed any money in the past 12 months from any of the following sources: a formal financial institution, a store by using installment credit, family or friends, employer, or another private lender (% age 15+). (Note that getting a loan does not necessarily require having an account.) The variables correspond to Global Findex variable fin23_t_d.


IndicatorName: Loan from a private lender in the past year (% age 15+)

Longdefinition: The percentage of respondents who report borrowing any money from a private lender in the past 12 months (% age 15+). [Global Findex legacy series]


IndicatorName: Loan from an employer in the past year (% age 15+)

Longdefinition: The percentage of respondents who report borrowing any money from an employer in the past 12 months (% age 15+). [Global Findex legacy series]


IndicatorName: Borrowed from a store by buying on credit (% age 15+)

Longdefinition: The percentage of respondents who borrowed any money in the past 12 months from a store by using installment credit or buying on credit (% age 15+). The variables correspond to Global Findex variable fin21b_t_14_a.


IndicatorName: Borrowed from family or friends (% age 15+)

Longdefinition: The percentage of respondents who report borrowing any money from family or friends in the past 12 months (% age 15+). The variables correspond to Global Findex variable fin22b_t_a.


IndicatorName: Used checks to make payments in the past year (% age 15+)

Longdefinition: The percentage of respondents who used checks in the past 12 months to make payments on bills or to buy things using money from their accounts (% age 15+). The variables correspond to Global Findex variable fin68a_11_a.


IndicatorName: Credit card ownership (% age 15+)

Longdefinition: The percentage of respondents with a credit card (% age 15+). The variables correspond to Global Findex variable fin7_t_a.


IndicatorName: Debit card ownership (% age 15+)

Longdefinition: The percentage of respondents with a debit card (% age 15+). The variables correspond to Global Findex variable fin2_t_a.


IndicatorName: Made digital payments in the past year (% age 15+)

Longdefinition: The percentage of respondents who used electronic payments (payments that one makes or that are made automatically including wire transfers or payments made online) in the past 12 months to make payments on bills or to buy things using money from their accounts (% age 15+). The variables correspond to Global Findex variable g20_t_made.


IndicatorName: Paid utility bills: using a mobile phone (% age 15+)

Longdefinition: The percentage of respondents who report using a mobile phone to pay bills in the past 12 months (% age 15+). The variables correspond to Global Findex variable fin31b_t_a.


IndicatorName: Sent domestic remittances: through a mobile phone (% age 15+)

Longdefinition: The percentage of respondents who report using a mobile phone to send money in the past 12 months (% age 15+). The variables correspond to Global Findex variable fin29b_t_a.


IndicatorName: ATMs per 100,000 adults

Longdefinition: For each country calculated as: 100,000*Number of ATMs/adult population in the reporting country.

Shortdefinition: Number of ATMs per 100,000 adults.

Source: Financial Access Survey (FAS), International Monetary Fund (IMF)


IndicatorName: No deposit and no withdrawal from an account in the past year (% age 15+)

Longdefinition: The percentage of respondents who did not make deposits or withdrawals from a financial institution account in the past year. The values correspond to Global Findex variable fin9_t_d1.


IndicatorName: Firms with a checking or savings account (%)

Longdefinition: Percentage of firms with a checking or savings account.

Source: Enterprise Surveys, World Bank


IndicatorName: Firms using banks to finance investments (%)

Longdefinition: Percentage of firms using banks to finance purchases of fixed assets.


IndicatorName: Firms using banks to finance working capital (%)

Longdefinition: Percentage of firms using bank loans to finance working capital.


IndicatorName: Loans requiring collateral (%)

Longdefinition: Percentage of loans where a formal financial institution requires collateral in order to provide the financing.


IndicatorName: Value of collateral needed for a loan (% of the loan amount)

Longdefinition: Value of collateral needed by a formal financial institution for a loan or line of credit as a percentage of the loan value or the value of the line of credit.


IndicatorName: Firms not needing a loan (%)

Longdefinition: Percent of firms that did not apply for a loan in the last fiscal year because they did not need a loan. The denominator is the sum of all firms who applied and did not apply for a loan. The numerator is the number of firms who did not apply for a loan and also stated that they did not need a loan.


IndicatorName: Firms whose recent loan application was rejected (%)

Longdefinition: Percent of firms whose most recent loan application was rejected by a formal financial institution.


IndicatorName: Investments financed by banks (%)

Longdefinition: Estimated proportion of purchases of fixed assets that was financed from bank loans.


IndicatorName: Working capital financed by banks (%)

Longdefinition: Proportion of the working capital that was financed by bank loans.


IndicatorName: Firms identifying access to finance as a major constraint (%)

Longdefinition: Percentage of firms identifying access/cost of finance as a "major" or "very severe" obstacle.


IndicatorName: Value traded excluding top 10 traded companies to total value traded (%)

Longdefinition: Value of all traded shares outside of the top ten largest traded companies as a share of total value of all traded shares in a stock market exchange. WFE provides data on the exchange level. This variable is aggregated up to the country level by taking a simple average over exchanges.

Shortdefinition: Value of all traded shares outside of the largest ten traded companies as a share of total value of all traded shares in a stock market exchange.

Source: World Federation of Exchanges


IndicatorName: Market capitalization excluding top 10 companies to total market capitalization (%)

Longdefinition: Value of listed shares outside of the top ten largest companies to total value of all listed shares.

Shortdefinition: Value of listed shares outside of the largest ten largest companies to total value of all listed shares.


IndicatorName: Nonfinancial corporate bonds to total bonds and notes outstanding (%)

Longdefinition: Total amount of domestic nonfinancial corporate bonds and notes outstanding to total amount of domestic bonds and notes outstanding, both corporate and noncorporate. BIS DSS Table C1 (domestic debt amount: nonfinancial corporates) / (domestic debt amount: all issuers).

Source: Debt Securities Statistics (DSS), Bank for International Settlements (BIS)


IndicatorName: Private credit by deposit money banks to GDP (%)

Longdefinition: Private credit by deposit money banks and other financial institutions to GDP. Raw data are from the electronic version of the IMF’s International Financial Statistics. Private credit by deposit money banks (IFS line 22d and FOSAOP); GDP in local currency (IFS line NGDP).

Shortdefinition: The financial resources provided to the private sector by domestic money banks as a share of GDP. Domestic money banks comprise commercial banks and other financial institutions that accept transferable deposits, such as demand deposits.

Source: International Financial Statistics (IFS), International Monetary Fund (IMF)

Topic: Depth


IndicatorName: Deposit money banks' assets to GDP (%)

Longdefinition: Claims on domestic real nonfinancial sector by deposit money banks as a share of GDP. Raw data are from the electronic version of the IMF’s International Financial Statistics. Deposit money bank assets (IFS lines 22, a-d, FOSAG, FOSAOG, FOSAON and FOSAOP); GDP in local currency (IFS line NGDP).

Shortdefinition: Total assets held by deposit money banks as a share of GDP. Assets include claims on domestic real nonfinancial sector which includes central, state and local governments, nonfinancial public enterprises and private sector. Deposit money banks comprise commercial banks and other financial institutions that accept transferable deposits, such as demand deposits.


IndicatorName: Nonbank financial institutions’ assets to GDP (%)

Longdefinition: Claims on domestic real nonfinancial sector by other financial institutions as a share of GDP. Raw data are from the electronic version of the IMF’s International Financial Statistics. Nonbank financial institutions assets (IFS lines 42, a-d, FFSAG, FFSAOG, FFSAON, FFSAP and FFSAP); GDP in local currency (IFS line NGDP).

Shortdefinition: Total assets held by financial institutions that do not accept transferable deposits but that perform financial intermediation by accepting other types of deposits or by issuing securities or other liabilities that are close substitutes for deposits as a share of GDP. It covers institutions such as saving and mortgage loan institutions, post-office savings institution, building and loan associations, finance companies that accept deposits or deposit substitutes, development banks, and offshore banking institutions.  Assets include claims on domestic real nonfinancial sector such as central-, state- and local government, nonfinancial public enterprises and private sector.


IndicatorName: Deposit money bank assets to deposit money bank assets and central bank assets (%)

Longdefinition: Raw data are from the electronic version of the IMF's International Financial Statistics (IFS lines 12 and 22, a-d, FASAG, FASAOS, FASAON, FASAOP, FOSAG, FOSAOG, FOSAON and FOSAOP).

Shortdefinition: Total assets held by deposit money banks as a share of sum of deposit money bank and Central Bank claims on domestic nonfinancial real sector. Assets include claims on domestic real nonfinancial sector which includes central, state and local governments, nonfinancial public enterprises and private sector. Deposit money banks comprise commercial banks and other financial institutions that accept transferable deposits, such as demand deposits.


IndicatorName: Liquid liabilities to GDP (%)

Longdefinition: Ratio of liquid liabilities to GDP. Raw data are from the electronic version of the IMF's International Financial Statistics. Liquid liabilities (IFS lines 55L, FFCD or, if not available, line 35L, FDSB); GDP in local currency (IFS line NGDP). For Eurocurrency area countries liquid liabilities are estimated by summing IFS items 34a, 34b and 35, or alternatively FDSBC, FDSBT, and FDSBO.

Shortdefinition: Ratio of liquid liabilities to GDP. Liquid liabilities are also known as broad money, or M3. They are the sum of currency and deposits in the central bank (M0), plus transferable deposits and electronic currency (M1), plus time and savings deposits, foreign currency transferable deposits, certificates of deposit, and securities repurchase agreements (M2), plus travelers checks, foreign currency time deposits, commercial paper, and shares of mutual funds or market funds held by residents.


IndicatorName: Central bank assets to GDP (%)

Longdefinition: Claims on domestic real nonfinancial sector by the Central Bank as a share of GDP. Raw data are from the electronic version of the IMF's International Financial Statistics. Central Bank claims (IFS lines 12, a-d, FASAG, FASAOS, FASAON and FASAOP); GDP in local currency (IFS line NGDP).

Shortdefinition: Ratio of central bank assets to GDP. Central bank assets are claims on domestic real nonfinancial sector by the Central Bank.


IndicatorName: Mutual fund assets to GDP (%)

Longdefinition: Data taken from a variety of sources such as Investment Company Institute and national sources. Due to differences in sources these data are not strictly comparable across countries.

Shortdefinition: Ratio of assets of mutual funds to GDP. A mutual fund is a type of managed collective investment scheme that pools money from many investors to purchase securities.

Source: Nonbanking financial database, World Bank


IndicatorName: Financial system deposits to GDP (%)

Longdefinition: Demand, time and saving deposits in deposit money banks and other financial institutions as a share of GDP. Raw data are from the electronic version of the IMF’s International Financial Statistics. Financial system deposits (IFS lines 24, 25, 44, 45, FOST and FOSD); GDP in local currency (IFS line NGDP).


IndicatorName: Life insurance premium volume to GDP (%)

Longdefinition: Premium data is taken from various issues of Sigma reports (Swiss Re). Data on GDP in US dollars is from the electronic version of the World Development Indicators.

Shortdefinition: Ratio of life insurance premium volume to GDP. Premium volume is the insurer's direct premiums earned (if Property/Casualty) or received (if Life/Health) during the previous calendar year.

Source: Sigma Reports, Swiss Re


IndicatorName: Nonlife insurance premium volume to GDP (%)

Shortdefinition: Ratio of nonlife insurance premium volume to GDP. Premium volume is the insurer's direct premiums earned (if Property/Casualty) or received (if Life/Health) during the previous calendar year.


IndicatorName: Insurance company assets to GDP (%)

Longdefinition: Data taken from a variety of sources such as AXCO and national sources.

Shortdefinition: Ratio of assets of insurance companies to GDP.


IndicatorName: Private credit by deposit money banks and other financial institutions to GDP (%)

Longdefinition: Private credit by deposit money banks and other financial institutions to GDP. Private credit by deposit money banks and other financial institutions (IFS lines 22d, 42d, FOSAOP and FFSAP); GDP in local currency (IFS line NGDP).


IndicatorName: Pension fund assets to GDP (%)

Longdefinition: Ratio of assets of pension funds to GDP. A pension fund is any plan, fund, or scheme that provides retirement income. Data taken from a variety of sources such as OECD, AIOS, FIAP and national sources.


IndicatorName: Domestic credit to private sector (% of GDP)

Longdefinition: Domestic credit to private sector refers to financial resources provided to the private sector, such as through loans, purchases of nonequity securities, and trade credits and other accounts receivable, that establish a claim for repayment. For some countries these claims include credit to public enterprises.

Shortdefinition: Domestic credit to private sector refers to financial resources provided to the private sector.

Source: World Development Indicators (WDI), World Bank


IndicatorName: Stock market capitalization to GDP (%)

Longdefinition: Total value of all listed shares in a stock market as a percentage of GDP.

Source: World Federation of Exchanges; Global Stock Markets Factbook and supplemental S&P data, Standard & Poor's


IndicatorName: Stock market total value traded to GDP (%)

Longdefinition: Total value of all traded shares in a stock market exchange as a percentage of GDP.


IndicatorName: Outstanding domestic private debt securities to GDP (%)

Longdefinition: Total amount of domestic private debt securities (amounts outstanding) issued in domestic markets as a share of GDP. It covers data on long-term bonds and notes, commercial paper and other short-term notes. BIS DSS Table C1 (domestic debt amount: all issuers) - (domestic debt amount: governments) / GDP. End of year data (i.e. December data) are considered for debt securities. GDP is from World Development Indicators.

Shortdefinition: Total amount of domestic private debt securities (amount outstanding) issued in domestic markets as a share of GDP. It covers data on long-term bonds and notes, commercial paper and other short-term notes.


IndicatorName: Outstanding domestic public debt securities to GDP (%)

Longdefinition: Total amount of domestic public debt securities (amounts outstanding) issued in domestic markets as a share of GDP. It covers long-term bonds and notes, treasury bills, commercial paper and other short-term notes. BIS DSS Table C1 (domestic debt amount: governments) / GDP. End of year data (i.e. December data) are considered for debt securities. GDP is from World Development Indicators.

Shortdefinition: Total amount of domestic public debt securities (amount outstanding) issued in domestic markets as a share of GDP. It covers long-term bonds and notes, treasury bills, commercial paper and other short-term notes.


IndicatorName: Outstanding international private debt securities to GDP (%)

Longdefinition: Amount of private international debt securities (amounts outstanding), as a share of GDP. It covers long-term bonds and notes and money market instruments placed on international markets. BIS DSS Table C1 (international debt amount: all issuers) - (international debt amount: governments) / GDP. End of year data (i.e. December data) are considered for debt securities. GDP is from World Development Indicators.

Shortdefinition: Amount of private international debt securities (amount outstanding), as a share of GDP. It covers long-term bonds and notes and money market instruments placed on international markets.


IndicatorName: Outstanding international public debt securities to GDP (%)

Longdefinition: Amount of public international debt securities (amounts outstanding), as a share of GDP. It covers long-term bonds and notes and money market instruments placed on international markets. BIS DSS Table C1 (international debt amount: governments) / GDP. End of year data (i.e. December data) are considered for debt securities. GDP is from World Development Indicators.

Shortdefinition: Amount of public international debt securities (amount outstanding), as a share of GDP. It covers long-term bonds and notes and money market instruments placed on international markets.


IndicatorName: Outstanding total international debt securities / GDP (%)

Longdefinition: Amount of international debt securities (amounts outstanding), as a share of GDP. It covers long-term bonds and notes and money market instruments placed on international markets. BIS DSS Table C1 (international debt amount: all issuers) / GDP. End of year data (i.e. December data) are considered for debt securities. GDP is from World Development Indicators.

Shortdefinition: Amount of international debt securities (amount outstanding), as a share of GDP. It covers long-term bonds and notes and money market instruments placed on international markets.


IndicatorName: Gross Portfolio Equity & Investment Fund Shares Liabilities / GDP

Longdefinition: Ratio of gross portfolio equity liabilities to GDP. Equity liabilities include shares, stocks, participation, and comparable documents (such as American depository receipts) that usually denote ownership of equity. Raw data are from the electronic version of the IMF's International Financial Statistics. IFS line 8BALAZF / GDP. Local currency GDP from IFS was converted to USD. The exchange rate is from World Development Indicators.

Shortdefinition: Ratio of gross portfolio equity and investment fund shares liabilities to GDP. Equity liabilities include shares, stocks, participation, and similar documents (such as American depository receipts) that usually denote ownership of equity.


IndicatorName: Gross Portfolio Equity & Investment Fund Shares Assets / GDP

Longdefinition: Ratio of gross portfolio equity assets to GDP. Equity assets include shares, stocks, participation, and comparable documents (such as American depository receipts) that usually denote ownership of equity. Raw data are from the electronic version of the IMF's International Financial Statistics. IFS line 8BAAAZF / GDP. Local currency GDP from IFS was converted to USD. The exchange rate is from World Development Indicators.

Shortdefinition: Ratio of gross portfolio equity and investment fund shares assets to GDP. Equity assets include shares, stocks, participation, and similar documents (such as American depository receipts) that usually denote ownership of equity.


IndicatorName: Gross portfolio debt liabilities to GDP (%)

Longdefinition: Ratio of gross portfolio debt liabilities to GDP. Debt liabilities cover (1) bonds, debentures, notes, etc., and (2) money market or negotiable debt instruments. Raw data are from the electronic version of the IMF's International Financial Statistics. IFS line 8BBLAZF / GDP. Local currency GDP is from IFS (line 99B..ZF or, if not available, line 99B.CZF). GDP is from World Development Indicators.


IndicatorName: Gross portfolio debt assets to GDP (%)

Longdefinition: Ratio of gross portfolio debt assets to GDP. Debt assets cover (1) bonds, debentures, notes, etc., and (2) money market or negotiable debt instruments. Raw data are from the electronic version of the IMF's International Financial Statistics. IFS line 8BBAAZF / GDP Local currency GDP is from IFS.  The exchange rate is from IMF International Financial Statistics.


IndicatorName: Syndicated loan issuance volume to GDP (%)

Longdefinition: Total volume of newly issued syndicated loans by private entities in industries other than finance, holding companies and insurance, divided by GDP in current USD. GDP is from World Development Indicators.

Shortdefinition: Ratio of new syndicated borrowing volume by private entities in industries other than finance, holding companies and insurance to GDP.

Source: Loan Analytics Database, Dealogic; World Bank Global Syndicated Loans and Bonds Database (FinDebt)


IndicatorName: Corporate bond issuance volume to GDP (%)

Longdefinition: Total volume of newly issued corporate bonds by private entities in industries other than finance, holding companies and insurance, divided by GDP in current USD. GDP is from World Development Indicators.

Shortdefinition: Ratio of new corporate bond issuance volume by private entities in industries other than finance, holding companies and insurance to GDP.

Source: Debt Capital Market Database, Dealogic; World Bank Global Syndicated Loans and Bonds Database (FinDebt)


IndicatorName: Syndicated loan average maturity (years)

Longdefinition: Duration of loans weighted by deal volume. Average maturities are constructed in two steps: i) the maturity of each tranche is weighted by the value of the tranche to estimate the deal level weighted-average maturity, ii) deal-level weighted average maturities are weighted again by the total value of the deal to aggregate to the country-year level.

Shortdefinition: Volume weighted average maturity of new syndicated borrowing by private entities in industries other than finance, holding companies and insurance in years.


IndicatorName: Corporate bond average maturity (years)

Longdefinition: Duration of bonds weighted by deal volume. Average maturities are constructed in two steps: i) the maturity of each tranche is weighted by the value of the tranche to estimate the deal level weighted-average maturity, ii) deal-level weighted average maturities are weighted again by the total value of the bond to aggregate to the country-year level.

Shortdefinition: Volume weighted average maturity of new corporate bond issuance by private entities in industries other than finance, holding companies and insurance in years.


IndicatorName: Credit flows by fintech and bigtech companies to GDP (%)

Longdefinition: New lending provided by fintech and big tech companies over a calendar year, normalized by nominal GDP. Fintech lending were originally built around decentralised platforms where individual lenders choose borrowers or projects to lend to in a market framework. Some platforms have moved to fund loans from institutional investors rather than only individuals, and many use increasingly sophisticated credit models. The core business of fintech credit platforms remains financial services. Big tech firms, in contrast, have a range of business lines, of which lending represents only one part, while their core business activity is typically of a non-financial nature. These firms have an existing user base, which facilitates the process of onboarding borrowers.

Source: CORNELLI, G., FROST, J., GAMBACORTA, L., RAU, R., WARDROP, R., and Ziegler, T. (2020) "Fintech and Big Tech Credit: A New Database." BIS Working Papers No. 887.


IndicatorName: Bank net interest margin (%)

Longdefinition: Accounting value of bank's net interest revenue as a share of its average interest-bearing (total earning) assets. Raw data are from Bankscope and Orbis. The formula applied to Bankscope is data2080[t] / ((data2010[t] + data2010[t-1])/2) and a comparable approach is applied to Orbis. Numerator and denominator are aggregated on the country level before division. Note that banks used in the calculation might differ between indicators. Calculated from underlying bank-by-bank unconsolidated data from Bankscope and Orbis. The result is not reported if a country-year has less than 3 bank-level observations.

Source: Bankscope (2000-14) and Orbis (2015-21), Bureau van Dijk (BvD)

Topic: Efficiency


IndicatorName: Bank lending-deposit spread

Longdefinition: Raw data are from the electronic version of the IMF’s International Financial Statistics. Difference between lending rate and deposit rate. Lending rate is the rate charged by banks on loans to the private sector and deposit interest rate is the rate offered by commercial banks on three-month deposits. IFS line 60P - line 60L.


IndicatorName: Bank noninterest income to total income (%)

Longdefinition: Bank’s income that has been generated by noninterest related activities as a percentage of total income (net-interest income plus noninterest income). Noninterest related income includes net gains on trading and derivatives, net gains on other securities, net fees and commissions and other operating income. Raw data are from Bankscope and Orbis. The formula applied to Bankscope is data2085 / (data2080 + data2085) and a comparable approach is applied to Orbis. Number is only calculated when net-interest income is not negative. Note that banks used in the calculation might differ between indicators. Calculated from underlying bank-by-bank unconsolidated data from Bankscope and Orbis. The result is not reported if a country-year has less than 3 bank-level observations.


IndicatorName: Bank overhead costs to total assets (%)

Longdefinition: Operating expenses of a bank as a share of the value of all assets held. Total assets include total earning assets, cash and due from banks, foreclosed real estate, fixed assets, goodwill, other intangibles, current tax assets, deferred tax assets, discontinued operations and other assets. Raw data are from Bankscope and Orbis. The formula applied to Bankscope is data2090[t] / ((data2025[t] + data2025[t-1])/2) and a comparable approach is applied to Orbis. Numerator and denominator are first aggregated on the country level before division. Note that banks used in the calculation might differ between indicators. Calculated from underlying bank-by-bank unconsolidated data from Bankscope and Orbis. The result is not reported if a country-year has less than 3 bank-level observations.


IndicatorName: Bank return on assets (%, after tax)

Longdefinition: Commercial banks’ after-tax net income to yearly averaged total assets. Raw data are from Bankscope and Orbis. The formula applied to Bankscope is data2115[t] / ((data2025[t] + data2025[t-1])/2) and a comparable approach is applied to Orbis. Numerator and denominator are first aggregated on the country level before division. Note that banks used in the calculation might differ between indicators. Calculated from underlying bank-by-bank unconsolidated data from Bankscope and Orbis. The result is not reported if a country-year has less than 3 bank-level observations.


IndicatorName: Bank return on equity (%, after tax)

Longdefinition: Commercial banks’ after-tax net income to yearly averaged equity. Raw data are from Bankscope and Orbis. The formula applied to Bankscope is data2115[t] / ((data2055[t] + data2055[t-1])/2) and a comparable approach is applied to Orbis. Numerator and denominator are first aggregated on the country level before division. Note that banks used in the calculation might differ between indicators. Calculated from underlying bank-by-bank unconsolidated data from Bankscope and Orbis. The result is not reported if a country-year has less than 3 bank-level observations.


IndicatorName: Bank cost to income ratio (%)

Longdefinition: Operating expenses of a bank as a share of sum of net-interest revenue and other operating income. Raw data are from Bankscope and Orbis. The formula applied to Bankscope is data2090 / (data2080 + data2085) and a comparable approach is applied to Orbis. All Numerator and denominator are first aggregated on the country level before division. Note that banks used in the calculation might differ between indicators. Calculated from underlying bank-by-bank unconsolidated data from Bankscope and Orbis. The result is not reported if a country-year has less than 3 bank-level observations.


IndicatorName: Credit to government and state owned enterprises to GDP (%)

Longdefinition: Raw data are from the electronic version of the IMF’s International Financial Statistics. (IFS line 22a + line 22b + line 22c) / GDP. IFS line FOSAG, FOSAOG and FOSAON are used respectively for line 22a, 22b and 22c when unavailable. Local currency GDP is from IFS (line NGDP).

Shortdefinition: Ratio between credit by domestic money banks to the government and state-owned enterprises and GDP.


IndicatorName: Bank return on assets (%, before tax)

Longdefinition: Commercial banks’ pre-tax income to yearly averaged total assets. Raw data are from Bankscope and Orbis. The formula applied to Bankscope is data10270[t] / ((data2025[t] + data2025[t-1])/2) and a comparable approach is applied to Orbis. Numerator and denominator are first aggregated on the country level before division. Note that banks used in the calculation might differ between indicators. Calculated from underlying bank-by-bank unconsolidated data from Bankscope and Orbis. The result is not reported if a country-year has less than 3 bank-level observations.


IndicatorName: Bank return on equity (%, before tax)

Longdefinition: Commercial banks’ pre-tax income to yearly averaged equity. Raw data are from Bankscope and Orbis. The formula applied to Bankscope is data10270[t] / ((data2055[t] + data2055[t-1])/2) and a comparable approach is applied to Orbis. Numerator and denominator are first aggregated on the country level before division. Note that banks used in the calculation might differ between indicators. Calculated from underlying bank-by-bank unconsolidated data from Bankscope and Orbis. The result is not reported if a country-year has less than 3 bank-level observations.


IndicatorName: Stock market turnover ratio (%)

Longdefinition: Total value of shares traded during the period divided by the average market capitalization for the period.


IndicatorName: Bank concentration (%)

Longdefinition: Assets of three largest commercial banks as a share of total commercial banking assets. Total assets include total earning assets, cash and due from banks, foreclosed real estate, fixed assets, goodwill, other intangibles, current tax assets, deferred tax assets, discontinued operations and other assets. Raw data are from Bankscope and Orbis. The formula applied to Bankscope is (sum(data2025) for the three largest banks in Bankscope) / (sum(data2025) for all banks) and a comparable approach is applied to Orbis. Calculated from underlying bank-by-bank unconsolidated data from Bankscope and Orbis.

Topic: Other


IndicatorName: Bank deposits to GDP (%)

Longdefinition: Demand, time and saving deposits in deposit money banks as a share of GDP. Raw data are from the electronic version of the IMF’s International Financial Statistics. Bank deposits (IFS lines 24, 25, FOST and FOSD); GDP in local currency (IFS line NGDP); end-of period CPI (IFS line PCPI); and average annual CPI is calculated using the monthly CPI values (IFS line PCPI).

Shortdefinition: The total value of demand, time and saving deposits at domestic deposit money banks as a share of GDP. Deposit money banks comprise commercial banks and other financial institutions that accept transferable deposits, such as demand deposits.


IndicatorName: 5-bank asset concentration

Longdefinition: Assets of five largest banks as a share of total commercial banking assets. Total assets include total earning assets, cash and due from banks, foreclosed real estate, fixed assets, goodwill, other intangibles, current tax assets, deferred tax, discontinued operations and other assets. Raw data are from Bankscope and Orbis. The formula applied to Bankscope is (sum(data2025) for the five largest banks in Bankscope) / (sum(data2025) for all banks) and a comparable approach is applied to Orbis. Calculated from underlying bank-by-bank unconsolidated data from Bankscope and Orbis.


IndicatorName: Liquid liabilities in millions USD (2010 constant)

Longdefinition: Raw data are from the electronic version of the IMF's International Financial Statistics. Liquid liabilities (IFS lines 55L..ZF, FFCD, or, if not available, line 35L..ZF, FDSB); for Eurocurrency area countries, liquid liabilities are estimated by summing IFS items 34A, 34B and 35, or alternatively FDSBC, FDSBT, and FDSBO.

Shortdefinition: Absolute value of liquid liabilities in 2010 (in past versions, 2000) US million dollars. Liquid liabilities are also known as broad money, or M3. They are the sum of currency and deposits in the central bank (M0), plus transferable deposits and electronic currency (M1), plus time and savings deposits, foreign currency transferable deposits, certificates of deposit, and securities repurchase agreements (M2), plus travelers checks, foreign currency time deposits, commercial paper, and shares of mutual funds or market funds held by residents.


IndicatorName: Debt securities by offshore investors (net issuances) to GDP (%)

Longdefinition: Ratio of net offshore debt securities issuances to GDP. Offshore debt securities issuances data from BIS DSS Table C3 (net Issues): International debt securities - all issuers.

Shortdefinition: Ratio of net offshore bank loans to GDP. An offshore bank is a bank located outside the country of residence of the depositor, typically in a low tax jurisdiction (or tax haven) that provides financial and legal advantages.


IndicatorName: Debt securities by offshore investors (amounts outstanding) to GDP (%)

Longdefinition: Ratio of outstanding offshore debt securities to GDP. Offshore debt securities from BIS DDS Table C3 (amount outstanding): International debt securities - all issuers.

Shortdefinition: Ratio of outstanding offshore bank loans to GDP. An offshore bank is a bank located outside the country of residence of the depositor, typically in a low tax jurisdiction (or tax haven) that provides financial and legal advantages.


IndicatorName: External loans and deposits of reporting banks vis-à-vis the banking sector (% of domestic bank deposits)

Longdefinition: Data is from BIS LBS Table A6.1: External loans and deposits of reporting banks vis-à-vis the banking sector, on the basis of residence. Bank deposits from IFS (IFS lines 24, 25, FOST and FOSD). End of year data (i.e. December data) are used.

Shortdefinition: Percentage of loans and deposits of reporting banks vis-à-vis the banking sector to the domestic bank deposits.

Source: Locational Banking Statistics (LBS), Bank for International Settlements (BIS)


IndicatorName: External loans and deposits of reporting banks vis-à-vis the nonbanking sectors (% of domestic bank deposits)

Longdefinition: Data is from BIS LBS Table A6.1: External loans and deposits of reporting banks vis-à-vis nonbanking sectors, on the basis of residence. Bank deposits from IFS (IFS lines 24, 25, FOST and FOSD). End of year data (i.e. December data) are used.

Shortdefinition: Percentage of loans and deposits of reporting banks vis-à-vis the nonbanking sectors to the domestic bank deposits.


IndicatorName: External loans and deposits of reporting banks vis-à-vis all sectors (% of domestic bank deposits)

Longdefinition: Data is from BIS LBS Table A6.1: External loans and deposits of reporting banks vis-à-vis all sectors, on the basis of residence. Bank deposits from IFS (IFS lines 24, 25, FOST and FOSD). End of year data (i.e. December data) are used.

Shortdefinition: Percentage of loans and deposits of reporting banks vis-à-vis all sectors to the domestic bank deposits.


IndicatorName: Remittance inflows to GDP (%)

Longdefinition: Workers' remittances and compensation of employees comprise current transfers by migrant workers and wages and salaries earned by nonresident workers. Data are the sum of three items defined in the fifth edition of the IMF's Balance of Payments Manual: workers' remittances, compensation of employees, and migrants' transfers. Remittances are classified as current private transfers from migrant workers resident in the host country for more than a year, irrespective of their immigration status, to recipients in their country of origin. Migrants' transfers are defined as the net worth of migrants who are expected to remain in the host country for more than one year that is transferred from one country to another at the time of migration. Compensation of employees is the income of migrants who have lived in the host country for less than a year.


IndicatorName: Consolidated foreign claims of BIS reporting banks to GDP (%)

Longdefinition: The ratio of consolidated foreign claims to GDP of the banks that are reporting to BIS. Foreign claims are defined as the sum of cross-border claims plus foreign offices’ local claims in all currencies. In the consolidated banking statistics claims that are granted or extended to nonresidents are referred to as cross-border claims. In the context of the consolidated banking statistics, local claims refer to claims of domestic banks’ foreign affiliates (branches/subsidiaries) on the residents of the host country (i.e. country of residence of affiliates). The calculation is based on BIS CBS Table B3: cross-border claims + local claims. End-of-year data (i.e. December data) are considered for banks claims. GDP is from World Development Indicators.

Source: Consolidated Banking Statistics (CBS), Bank for International Settlements (BIS)


IndicatorName: Foreign banks among total banks (%)

Longdefinition: Percentage of the number of foreign owned banks to the number of the total banks in an Economy. A foreign bank is a bank where 50 percent or more of its shares are owned by foreigners.

Source:
CLAESSENS, S. and VAN HOREN, N. (2014), "Foreign Banks: Trends and Impact", Journal of Money, Credit and Banking, 46: 295–326
CLAESSENS, S. and VAN HOREN, N. (2015), "The Impact of the Global Financial Crisis on Banking Globalization", DNB WP No. 459


IndicatorName: Foreign bank assets among total bank assets (%)

Longdefinition: Percentage of the total banking assets that are held by foreign banks. A foreign bank is a bank where 50 percent or more of its shares are owned by foreigners.


IndicatorName: Foreign bank assets among total banks assets (%)

Longdefinition: Percent of the banking system's assets was in banks that were foreign-controlled (i.e. where foreigners owned 50% or more equity).

Source: World Bank Bank Regulation and Supervision Survey


IndicatorName: Global leasing volume to GDP (%)

Longdefinition: Ratios calculated by source.

Shortdefinition: Global leasing volume / GDP.

Source: White Clarke Global Leasing Report


IndicatorName: Total factoring volume to GDP (%)

Longdefinition: GDP data provided by IFS and converted into USD using IFS exchange rates.

Shortdefinition: Total factoring volume / GDP.

Source: Factors Chain International


IndicatorName: Banking crisis dummy (1=banking crisis, 0=none)

Longdefinition: A banking crisis is defined as systemic if two conditions are met: a. Significant signs of financial distress in the banking system (as indicated bysignificant bank runs, losses in the banking system, and/or bank liquidations), b. Significant banking policy intervention measures in response to significant losses in the banking system. The first year that both criteria are met is considered as the year when the crisis start becoming systemic.  The end of a crisis is defined the year before both real GDP growth and real credit growth are positive for at least two consecutive years.

Shortdefinition: Dummy variable for the presence of banking crisis (1=banking crisis, 0=none)

Source: LAEVEN, L. and VALENCIA, F. (2018), “Systemic Banking Crises Revisited”, IMF WP/18/206


IndicatorName: Government bank assets among total bank assets (%)

Longdefinition: Percent of the banking system's assets was in banks that were government-controlled (i.e. where government owned 50% or more equity).


IndicatorName: Number of listed companies per 1,000,000 people

Longdefinition: Number of publicly listed companies per 1,000,000 people. Number of listed domestic companies is the domestically incorporated companies listed on the country's stock exchanges at the end of the year. This indicator does not include investment companies, mutual funds, or other collective investment vehicles.

Shortdefinition: Number of domestically incorporated companies listed on the country's stock exchanges at the end of the year per 1,000,000 people (does not include investment companies, mutual funds, or other collective investment vehicles).


IndicatorName: Stock market return (%, year-on-year)

Longdefinition: Stock market return is the growth rate of annual average stock market index. Annual average stock market index is constructed by taking the average of the daily stock market indexes available at Bloomberg.

Source: Bloomberg


IndicatorName: Bank Z-score

Longdefinition: It captures the probability of default of a country's banking system. Z-score compares the buffer of a country's banking system (capitalization and returns) with the volatility of those returns. It is estimated as (ROA+(equity/assets))/sd(ROA); sd(ROA) is the standard deviation of ROA, calculated for country-years with no less than 5 bank-level observations. ROA, equity, and assets are country-level aggregate figures. Calculated from underlying bank-by-bank unconsolidated data from Bankscope and Orbis. The result is not reported if a country-year has less than 3 bank-level observations.

Shortdefinition: It captures the probability of default of a country's commercial banking system. Z-score compares the buffer of a country's commercial banking system (capitalization and returns) with the volatility of those returns.

Topic: Stability


IndicatorName: Bank nonperforming loans to gross loans (%)

Longdefinition: Reported by IMF staff. Note that due to differences in national accounting, taxation, and supervisory regimes, these data are not strictly comparable across countries.

Shortdefinition: Ratio of defaulting loans (payments of interest and principal past due by 90 days or more) to total gross loans (total value of loan portfolio). The loan amount recorded as nonperforming includes the gross value of the loan as recorded on the balance sheet, not just the amount that is overdue.

Source: Financial Soundness Indicators Database (fsi.imf.org), International Monetary Fund (IMF)


IndicatorName: Bank capital to total assets (%)

Longdefinition: Ratio of bank capital and reserves to total assets. Capital and reserves include funds contributed by owners, retained earnings, general and special reserves, provisions, and valuation adjustments. Capital includes tier 1 capital (paid-up shares and common stock), which is a common feature in all countries' banking systems, and total regulatory capital, which includes several specified types of subordinated debt instruments that need not be repaid if the funds are required to maintain minimum capital levels (these comprise tier 2 and tier 3 capital). Total assets include all nonfinancial and financial assets. Reported by IMF staff. Note that due to differences in national accounting, taxation, and supervisory regimes, these data are not strictly comparable across countries.


IndicatorName: Bank credit to bank deposits (%)

Longdefinition: Raw data are from the electronic version of the IMF’s International Financial Statistics. Private credit by deposit money banks (IFS line 22d and FOSAOP); bank deposits (IFS lines 24, 25, FOST and FOSD).

Shortdefinition: The financial resources provided to the private sector by domestic money banks as a share of total deposits. Domestic money banks comprise commercial banks and other financial institutions that accept transferable deposits, such as demand deposits. Total deposits include demand, time and saving deposits in deposit money banks.

Source: International Financial Statistics (IFS), International Monetary Fund (IMF)


IndicatorName: Bank regulatory capital to risk-weighted assets (%)

Shortdefinition: The capital adequacy of deposit takers. It is a ratio of total regulatory capital to its assets held, weighted according to risk of those assets.


IndicatorName: Liquid assets to deposits and short term funding (%)

Longdefinition: The ratio of the value of liquid assets (easily converted to cash) to short-term funding plus total deposits. Liquid assets include cash and due from banks, trading securities and at fair value through income, loans and advances to banks, reverse repos and cash collaterals. Deposits and short term funding includes total customer deposits (current, savings and term) and short term borrowing (money market instruments, CDs and other deposits). Raw data are from Bankscope and Orbis. The formula applied to Bankscope is data2075 / data2030 and a comparable approach is applied to Orbis. Numerator and denominator are first aggregated on the country level before division. Calculated from underlying bank-by-bank unconsolidated data from Bankscope and Orbis. The result is not reported if a country-year has less than 3 bank-level observations.


IndicatorName: Provisions to nonperforming loans (%)

Longdefinition: Provisions to nonperforming loans. Nonperforming Loans are loans for which the contractual payments are delinquent, usually defined as and NPL ratio  being overdue for more than a certain number of days (e.g., usually more than 90 days). Reported by IMF staff. Note that due to differences in national accounting, taxation, and supervisory regimes, these data are not strictly comparable across countries.

Shortdefinition: Provisions to nonperforming loans. Nonperforming loans are loans for which the contractual payments are delinquent, usually defined as and NPL ratio  being overdue for more than a certain number of days (e.g., usually more than 90 days).


IndicatorName: Stock price volatility

Longdefinition: Stock price volatility is the average of the 360-day volatility of the national stock market index.


Aggregationmethod: Weighted average

IndicatorName: Account (% age 15+)

Longdefinition: Denotes the percentage of respondents, age 15+, who report having an account (by themselves or together with someone else) at a bank or another type of financial institution or personally using a mobile money service in the past 12 months.

Periodicity: Triennial

Shortdefinition: Denotes the percentage of respondents, ages 15+, who report having an account (by themselves or together with someone else) at a bank or another type of financial institution or personally using a mobile money service in the past 12 months.

Source: Global Findex database (http://datatopics.worldbank.org/financialinclusion/)

Topic: Usage of Financial Services

Unitofmeasure: Percent


IndicatorName: Account, female (% age 15+)

Longdefinition: Denotes the percentage of female respondents, age 15+, who report having an account (by themselves or together with someone else) at a bank or another type of financial institution or personally using a mobile money service in the past 12 months.

Shortdefinition: Denotes the percentage of female respondents, ages 15+, who report having an account (by themselves or together with someone else) at a bank or another type of financial institution or personally using a mobile money service in the past 12 months.


IndicatorName: Account, male (% age 15+)

Longdefinition:
Denotes the percentage of male respondents, age 15+, who
report having an account (by themselves or together with someone else) at a bank or another type of financial institution or personally using a mobile money service in the past 12 months.

Shortdefinition:
Denotes the percentage of male respondents, ages 15+, who
report having an account (by themselves or together with someone else) at a bank or another type of financial institution or personally using a mobile money service in the past 12 months.


IndicatorName: Account, income, poorest 40% (% age 15+)

Longdefinition: Denotes the percentage of respondents in the poorest 40% of households, age 15+, who report having an account (by themselves or together with someone else) at a bank or another type of financial institution or personally using a mobile money service in the past 12 months.

Shortdefinition: Denotes the percentage of respondents in the poorest 40% of households, ages 15+, who report having an account (by themselves or together with someone else) at a bank or another type of financial institution or personally using a mobile money service in the past 12 months.


IndicatorName: Account, income, richest 60% (% age 15+)

Longdefinition: Denotes the percentage of respondents in the richest 60% of households, age 15+, who report having an account (by themselves or together with someone else) at a bank or another type of financial institution or personally using a mobile money service in the past 12 months.

Shortdefinition: Denotes the percentage of respondents in the richest 60% of households, ages 15+, who report having an account (by themselves or together with someone else) at a bank or another type of financial institution or personally using a mobile money service in the past 12 months.


IndicatorName: Account (% ages 15-34)

Longdefinition: Denotes the percentage of respondents, ages 15-34, who report having an account (by themselves or together with someone else) at a bank or another type of financial institution or personally using a mobile money service in the past 12 months.


IndicatorName: Account (% ages 35-59)

Longdefinition: Denotes the percentage of respondents, ages 35-59, who report having an account (by themselves or together with someone else) at a bank or another type of financial institution or personally using a mobile money service in the past 12 months.


IndicatorName: Account (% age 60+)

Longdefinition: Denotes the percentage of respondents, age 60+, who report having an account (by themselves or together with someone else) at a bank or another type of financial institution or personally using a mobile money service in the past 12 months.


IndicatorName: SMEs with at least one female owner with a proportion of loans requiring collateral

Longdefinition: Denotes the percentage of SMEs (5-99 employees) with at least one female owner required to provide collateral on their bank loan.

Periodicity: 3-5 years

Source: World Bank, Enterprise Surveys (http://www.enterprisesurveys.org/).

Topic: Barriers to Use


IndicatorName: SMEs with a proportion of loans requiring collateral

Longdefinition: Denotes the percentage of SMEs (5-99 employees) required to provide collateral on their bank loan.


IndicatorName: SMEs with at least one female owner with an outstanding loan or line of credit

Longdefinition: Denotes the percentage of SMEs (5-99 employees) with at least one female owner with an outstanding loan or line of credit from a bank or other formal financial institution.


IndicatorName: SMEs with an outstanding loan or line of credit

Longdefinition: Denotes the percentage of SMEs (5-99 employees) with an outstanding loan or line of credit from a bank or other formal financial institution.


IndicatorName: SMEs with at least one female owner with an account at a formal financial institution

Longdefinition: Denotes the percentage of SMEs (5-99 employees) with at least one female owner with a checking or savings account at a bank or other financial institution.


IndicatorName: SMEs with an account at a formal financial institution

Longdefinition: Denotes the percentage of SMEs (5-99 employees) with a checking or savings account at a bank or other financial institution.


IndicatorName: Saved for old age (% age 15+)

Longdefinition: Denotes the percentage of respondents, age 15+, who report saving or setting aside any money in the past 12 months for old age.

Shortdefinition: Denotes the percentage of respondents, ages 15+, who report saving or setting aside any money in the past 12 months for old age.


IndicatorName: Saved for old age, female (% age 15+)

Longdefinition: Denotes the percentage of female respondents, age 15+, who report saving or setting aside any money in the past 12 months for old age.

Shortdefinition: Denotes the percentage of female respondents, ages 15+, who report saving or setting aside any money in the past 12 months for old age.


IndicatorName: Saved for old age, male (% age 15+)

Longdefinition: Denotes the percentage of male respondents, age 15+, who report saving or setting aside any money in the past 12 months for old age.

Shortdefinition: Denotes the percentage of male respondents, ages 15+, who report saving or setting aside any money in the past 12 months for old age.


IndicatorName: Saved for old age, income, poorest 40% (% age 15+)

Longdefinition: Denotes the percentage of respondents in the poorest 40% of households, age 15+, who report saving or setting aside any money in the past 12 months for old age.

Shortdefinition: Denotes the percentage of respondents in the poorest 40% of households, ages 15+, who report saving or setting aside any money in the past 12 months for old age.


IndicatorName: Saved for old age, income, richest 60% (% age 15+)

Longdefinition: Denotes the percentage of respondents in the richest 60% of households, age 15+, who report saving or setting aside any money in the past 12 months for old age.

Shortdefinition: Denotes the percentage of respondents in the richest 60% of households, ages 15+, who report saving or setting aside any money in the past 12 months for old age.


IndicatorName: Saved for old age (% ages 15-34)

Longdefinition: Denotes the percentage of respondents, ages 15-34, who report saving or setting aside any money in the past 12 months for old age.


IndicatorName: Saved for old age (% ages 35-59)

Longdefinition: Denotes the percentage of respondents, ages 35-59, who report saving or setting aside any money in the past 12 months for old age.


IndicatorName: Saved for old age (% age 60+)

Longdefinition: Denotes the percentage of respondents, age 60+, who report saving or setting aside any money in the past 12 months for old age.


IndicatorName: Saved at a financial institution (% age 15+)

Longdefinition: Denotes the percentage of respondents, age 15+, who report saving or setting aside any money by using an account at a bank or another type of financial institution in the past 12 months.

Shortdefinition: Denotes the percentage of respondents, ages 15+, who report saving or setting aside any money by using an account at a bank or another type of financial institution in the past 12 months.


IndicatorName: Saved at a financial institution, female  (% age 15+)

Longdefinition: Denotes the percentage of female respondents, age 15+, who report saving or setting aside any money by using an account at a bank or another type of financial institution in the past 12 months.

Shortdefinition: Denotes the percentage of female respondents, ages 15+, who report saving or setting aside any money by using an account at a bank or another type of financial institution in the past 12 months.


IndicatorName: Saved at a financial institution, male (% age 15+)

Longdefinition: Denotes the percentage of male respondents, age 15+, who report saving or setting aside any money by using an account at a bank or another type of financial institution in the past 12 months.

Shortdefinition: Denotes the percentage of male respondents, ages 15+, who report saving or setting aside any money by using an account at a bank or another type of financial institution in the past 12 months.


IndicatorName: Saved at a financial institution, income, poorest 40% (% age 15+)

Longdefinition: Denotes the percentage of respondents in the poorest 40% of households, age 15+, who report saving or setting aside any money by using an account at a bank or another type of financial institution in the past 12 months.

Shortdefinition: Denotes the percentage of respondents in the poorest 40% of households, ages 15+, who report saving or setting aside any money by using an account at a bank or another type of financial institution in the past 12 months.


IndicatorName: Saved at a financial institution, income, richest 60% (% age 15+)

Longdefinition: Denotes the percentage of respondents in the richest 60% of households, age 15+, who report saving or setting aside any money by using an account at a bank or another type of financial institution in the past 12 months.

Shortdefinition: Denotes the percentage of respondents in the richest 60% of households, ages 15+, who report saving or setting aside any money by using an account at a bank or another type of financial institution in the past 12 months.


IndicatorName: Saved at a financial institution (% ages 15-34)

Longdefinition: Denotes the percentage of respondents, ages 15-34, who report saving or setting aside any money by using an account at a bank or another type of financial institution in the past 12 months.


IndicatorName: Saved at a financial institution (% ages 35-59)

Longdefinition: Denotes the percentage of respondents, ages 35-59, who report saving or setting aside any money by using an account at a bank or another type of financial institution in the past 12 months.


IndicatorName: Saved at a financial institution (% age 60+)

Longdefinition: Denotes the percentage of respondents, age 60+, who report saving or setting aside any money by using an account at a bank or another type of financial institution in the past 12 months.


IndicatorName: Borrowed from a financial institution or used a credit card (% age 15+)

Longdefinition: Denotes the percentage of respondents, age 15+, who report borrowing any money from a bank or another type of financial institution in the past 12 months.

Shortdefinition: Denotes the percentage of respondents, ages 15+, who report borrowing any money from a bank or another type of financial institution in the past 12 months.


IndicatorName: Borrowed from a financial institution or used a credit card, female (% age 15+)

Longdefinition: Denotes the percentage of female respondents, age 15+, who report borrowing any money from a bank or another type of financial institution in the past 12 months.

Shortdefinition: Denotes the percentage of female respondents, ages 15+, who report borrowing any money from a bank or another type of financial institution in the past 12 months.


IndicatorName: Borrowed from a financial institution or used a credit card, male (% age 15+)

Longdefinition: Denotes the percentage of male respondents, age 15+, who report borrowing any money from a bank or another type of financial institution in the past 12 months.

Shortdefinition: Denotes the percentage of male respondents, ages 15+, who report borrowing any money from a bank or another type of financial institution in the past 12 months.


IndicatorName: Borrowed from a financial institution or used a credit card, income, poorest 40% (% age 15+)

Longdefinition: Denotes the percentage of respondents in the poorest 40% of households, age 15+, who report borrowing any money from a bank or another type of financial institution in the past 12 months.

Shortdefinition: Denotes the percentage of respondents in the poorest 40% of households, ages 15+, who report borrowing any money from a bank or another type of financial institution in the past 12 months.


IndicatorName: Borrowed from a financial institution or used a credit card, income, richest 60% (% age 15+)

Longdefinition: Denotes the percentage of respondents in the richest 60% of households, age 15+, who report borrowing any money from a bank or another type of financial institution in the past 12 months.

Shortdefinition: Denotes the percentage of respondents in the richest 60% of households, ages 15+, who report borrowing any money from a bank or another type of financial institution in the past 12 months.


IndicatorName: Borrowed from a financial institution or used a credit card (% ages 15-34)

Longdefinition: Denotes the percentage of respondents, ages 15-34, who report borrowing any money from a bank or another type of financial institution in the past 12 months.


IndicatorName: Borrowed from a financial institution or used a credit card (% ages 35-59)

Longdefinition: Denotes the percentage of respondents, ages 35-59, who report borrowing any money from a bank or another type of financial institution in the past 12 months.


IndicatorName: Borrowed from a financial institution or used a credit card (% age 60+)

Longdefinition: Denotes the percentage of respondents, age 60+, who report borrowing any money from a bank or another type of financial institution in the past 12 months.


IndicatorName: Main source of emergency funds: savings (% age 15+)

Longdefinition: Denotes the percentage of respondents, age 15+, who report that in case of an emergency it is possible for them to come up with 1/20 of gross national income (GNI) per capita in local currency, and cite savings as their main source of this money.

Shortdefinition: Denotes the percentage of respondents, ages 15+, who report that in case of an emergency it is possible for them to come up with 1/20 of gross national income (GNI) per capita in local currency, and cite savings as their main source of this money.

Topic: Financial Literacy and Capability


IndicatorName: Main source of emergency funds: savings, female  (% age 15+)

Longdefinition: Denotes the percentage of female respondents, age 15+, who report that in case of an emergency it is possible for them to come up with 1/20 of gross national income (GNI) per capita in local currency, and cite savings as their main source of this money.

Shortdefinition: Denotes the percentage of female respondents, ages 15+, who report that in case of an emergency it is possible for them to come up with 1/20 of gross national income (GNI) per capita in local currency, and cite savings as their main source of this money.


IndicatorName: Main source of emergency funds: savings, male (% age 15+)

Longdefinition: Denotes the percentage of male respondents, age 15+, who report that in case of an emergency it is possible for them to come up with 1/20 of gross national income (GNI) per capita in local currency, and cite savings as their main source of this money.

Shortdefinition: Denotes the percentage of male respondents, ages 15+, who report that in case of an emergency it is possible for them to come up with 1/20 of gross national income (GNI) per capita in local currency, and cite savings as their main source of this money.


IndicatorName: Main source of emergency funds: savings, income, poorest 40% (% age 15+)

Longdefinition: Denotes the percentage of respondents in the poorest 40% of households, age 15+, who report that in case of an emergency it is possible for them to come up with 1/20 of gross national income (GNI) per capita in local currency, and cite savings as their main source of this money.

Shortdefinition: Denotes the percentage of respondents in the poorest 40% of households, ages 15+, who report that in case of an emergency it is possible for them to come up with 1/20 of gross national income (GNI) per capita in local currency, and cite savings as their main source of this money.


IndicatorName: Main source of emergency funds: savings, income, richest 60% (% age 15+)

Longdefinition: Denotes the percentage of respondents in the richest 60% of households, age 15+, who report that in case of an emergency it is possible for them to come up with 1/20 of gross national income (GNI) per capita in local currency, and cite savings as their main source of this money.

Shortdefinition: Denotes the percentage of respondents in the richest 60% of households, ages 15+, who report that in case of an emergency it is possible for them to come up with 1/20 of gross national income (GNI) per capita in local currency, and cite savings as their main source of this money.


IndicatorName: Main source of emergency funds: savings (% ages 15-34)

Longdefinition: Denotes the percentage of respondents, ages 15-34, who report that in case of an emergency it is possible for them to come up with 1/20 of gross national income (GNI) per capita in local currency, and cite savings as their main source of this money.


IndicatorName: Main source of emergency funds: savings (% ages 35-59)

Longdefinition: Denotes the percentage of respondents, ages 35-59, who report that in case of an emergency it is possible for them to come up with 1/20 of gross national income (GNI) per capita in local currency, and cite savings as their main source of this money.


IndicatorName: Main source of emergency funds: savings (% age 60+)

Longdefinition: Denotes the percentage of respondents, age 60+, who report that in case of an emergency it is possible for them to come up with 1/20 of gross national income (GNI) per capita in local currency, and cite savings as their main source of this money.


IndicatorName: Used a debit or credit card to make a purchase in the past year (% age 15+)

Longdefinition: Denotes the percentage of respondents who report using a debit or credit card to make a purchase in the past 12 months.


IndicatorName: Has a national identity card (% age 15+)

Longdefinition: Denotes the percentage of respondents, age 15+,  who report having a national identity card. (To see the full list of IDs included in the survey by country, visit the Global Findex web page at http://www.worldbank.org/globalfindex.)

Shortdefinition: Denotes the percentage of respondents, ages 15+,  who report having a national identity card. (To see the full list of IDs included in the survey by country, visit the Global Findex web page at http://www.worldbank.org/globalfindex.)

Topic: Quality of Financial Services


IndicatorName: Has a national identity card, female (% age 15+)

Longdefinition: Denotes the percentage of female respondents, age 15+, who report having a national identity card. (To see the full list of IDs included in the survey by country, visit the Global Findex web page at http://www.worldbank.org/globalfindex.)

Shortdefinition: Denotes the percentage of female respondents, ages 15+, who report having a national identity card. (To see the full list of IDs included in the survey by country, visit the Global Findex web page at http://www.worldbank.org/globalfindex.)


IndicatorName: Has a national identity card, male (% age 15+)

Longdefinition: Denotes the percentage of male respondents, age 15+, who report having a national identity card. (To see the full list of IDs included in the survey by country, visit the Global Findex web page at http://www.worldbank.org/globalfindex.)

Shortdefinition: Denotes the percentage of male respondents, ages 15+, who report having a national identity card. (To see the full list of IDs included in the survey by country, visit the Global Findex web page at http://www.worldbank.org/globalfindex.)


IndicatorName: Has a national identity card, income, poorest 40% (% age 15+)

Longdefinition: Denotes the percentage of respondents in the poorest 40% of households, age 15+, who report having a national identity card. (To see the full list of IDs included in the survey by country, visit the Global Findex web page at http://www.worldbank.org/globalfindex.)

Shortdefinition: Denotes the percentage of respondents in the poorest 40% of households, ages 15+, who report having a national identity card. (To see the full list of IDs included in the survey by country, visit the Global Findex web page at http://www.worldbank.org/globalfindex.)


IndicatorName: Has a national identity card, income, richest 60% (% age 15+)

Longdefinition: Denotes the percentage of respondents in the richest 60% of households, age 15+, who report having a national identity card. (To see the full list of IDs included in the survey by country, visit the Global Findex web page at http://www.worldbank.org/globalfindex.)

Shortdefinition: Denotes the percentage of respondents in the richest 60% of households, ages 15+, who report having a national identity card. (To see the full list of IDs included in the survey by country, visit the Global Findex web page at http://www.worldbank.org/globalfindex.)


IndicatorName: Has a national identity card (% ages 15-34)

Longdefinition: Denotes the percentage of respondents, ages 15-34, who report having a national identity card. (To see the full list of IDs included in the survey by country, visit the Global Findex web page at http://www.worldbank.org/globalfindex.)


IndicatorName: Has a national identity card (% ages 35-59)

Longdefinition: Denotes the percentage of respondents, ages 35-59, who report having a national identity card. (To see the full list of IDs included in the survey by country, visit the Global Findex web page at http://www.worldbank.org/globalfindex.)


IndicatorName: Has a national identity card (% age 60+)

Longdefinition: Denotes the percentage of respondents, age 60+, who report having a national identity card. (To see the full list of IDs included in the survey by country, visit the Global Findex web page at http://www.worldbank.org/globalfindex.)


IndicatorName: Used a mobile phone or the internet to check account balance in the past year (% age 15+)

Longdefinition: Denotes the percentage of respondents, age 15+,  who report using a mobile phone or the internet to check their balance for a financial institution account in the past 12 months.

Shortdefinition: Denotes the percentage of respondents, ages 15+,  who report using a mobile phone or the internet to check their balance for a financial institution account in the past 12 months.


IndicatorName: Used a mobile phone or the internet to check account balance in the past year, female  (% age 15+)

Longdefinition: Denotes the percentage of female respondents, age 15+, who report using a mobile phone or the internet to check their balance for a financial institution account in the past 12 months.

Shortdefinition: Denotes the percentage of female respondents, ages 15+, who report using a mobile phone or the internet to check their balance for a financial institution account in the past 12 months.


IndicatorName: Used a mobile phone or the internet to check account balance in the past year, male (% age 15+)

Longdefinition: Denotes the percentage of male respondents, age 15+, who report using a mobile phone or the internet to check their balance for a financial institution account in the past 12 months.

Shortdefinition: Denotes the percentage of male respondents, ages 15+, who report using a mobile phone or the internet to check their balance for a financial institution account in the past 12 months.


IndicatorName: Used a mobile phone or the internet to check account balance in the past year, income, poorest 40% (% age 15+)

Longdefinition: Denotes the percentage of respondents in the poorest 40% of households, age 15+, who report using a mobile phone or the internet to check their balance for a financial institution account in the past 12 months.

Shortdefinition: Denotes the percentage of respondents in the poorest 40% of households, ages 15+, who report using a mobile phone or the internet to check their balance for a financial institution account in the past 12 months.


IndicatorName: Used a mobile phone or the internet to check account balance in the past year, income, richest 60% (% age 15+)

Longdefinition: Denotes the percentage of respondents in the richest 60% of households, age 15+, who report using a mobile phone or the internet to check their balance for a financial institution account in the past 12 months.

Shortdefinition: Denotes the percentage of respondents in the richest 60% of households, ages 15+, who report using a mobile phone or the internet to check their balance for a financial institution account in the past 12 months.


IndicatorName: Used a mobile phone or the internet to check account balance in the past year (% ages 15-34)

Longdefinition: Denotes the percentage of respondents, ages 15-34, who report using a mobile phone or the internet to check their balance for a financial institution account in the past 12 months.


IndicatorName: Used a mobile phone or the internet to check account balance in the past year (% ages 35-59)

Longdefinition: Denotes the percentage of respondents, ages 35-59, who report using a mobile phone or the internet to check their balance for a financial institution account in the past 12 months.


IndicatorName: Used a mobile phone or the internet to check account balance in the past year (% age 60+)

Longdefinition: Denotes the percentage of respondents, age 60+, who report using a mobile phone or the internet to check their balance for a financial institution account in the past 12 months.


IndicatorName: Made or received digital payments in the past year (% age 15+)

Longdefinition: Denotes the percentage of respondents, age 15+, who report using mobile money, a debit or credit card, or a mobile phone to receive a payment through an account in the past 12 months. It also includes respondents who report receiving remittances, receiving payments for agricultural products, receiving government transfers, receiving wages, or receiving a public sector pension directly into a financial institution account or through a mobile money account in the past 12 months

Shortdefinition: Denotes the percentage of respondents, ages 15+, who report using mobile money, a debit or credit card, or a mobile phone to receive a payment through an account in the past 12 months. It also includes respondents who report receiving remittances, receiving payments for agricultural products, receiving government transfers, receiving wages, or receiving a public sector pension directly into a financial institution account or through a mobile money account in the past 12 months


IndicatorName: Made or received digital payments in the past year, female (% age 15+)

Longdefinition:
Denotes the percentage of female respondents, age 15+, who report using mobile money, a debit or credit card, or a mobile phone to receive a payment through an account in the past 12 months. It also includes respondents
who report receiving remittances, receiving payments for agricultural products, receiving government transfers, receiving wages, or receiving a public sector pension directly into a financial institution account or through a mobile money account in the past 12 months

Shortdefinition:
Denotes the percentage of female respondents, ages 15+, who report using mobile money, a debit or credit card, or a mobile phone to receive a payment through an account in the past 12 months. It also includes respondents
who report receiving remittances, receiving payments for agricultural products, receiving government transfers, receiving wages, or receiving a public sector pension directly into a financial institution account or through a mobile money account in the past 12 months


IndicatorName: Made or received digital payments in the past year, male (% age 15+)

Longdefinition: Denotes the percentage of male respondents, age 15+, who report using a transaction account (with a bank or other formal financial institution or mobile money provider) to make or receive a digital financial payment in the past 12 months.

Shortdefinition: Denotes the percentage of male respondents, ages 15+, who report using a transaction account (with a bank or other formal financial institution or mobile money provider) to make or receive a digital financial payment in the past 12 months.


IndicatorName: Made or received digital payments in the past year, income, poorest 40% (% age 15+)

Longdefinition: Denotes the percentage of respondents in the poorest 40% of households, age 15+, who report using mobile money, a debit or credit card, or a mobile phone to receive a payment through an account in the past 12 months. It also includes respondents who report receiving remittances, receiving payments for agricultural products, receiving government transfers, receiving wages, or receiving a public sector pension directly into a financial institution account or through a mobile money account in the past 12 months

Shortdefinition: Denotes the percentage of respondents in the poorest 40% of households, ages 15+, who report using mobile money, a debit or credit card, or a mobile phone to receive a payment through an account in the past 12 months. It also includes respondents who report receiving remittances, receiving payments for agricultural products, receiving government transfers, receiving wages, or receiving a public sector pension directly into a financial institution account or through a mobile money account in the past 12 months


IndicatorName: Made or received digital payments in the past year, income, richest 60% (% age 15+)

Longdefinition: Denotes the percentage of respondents in the richest 60% of households, age 15+, who report using mobile money, a debit or credit card, or a mobile phone to receive a payment through an account in the past 12 months. It also includes respondents who report receiving remittances, receiving payments for agricultural products, receiving government transfers, receiving wages, or receiving a public sector pension directly into a financial institution account or through a mobile money account in the past 12 months

Shortdefinition: Denotes the percentage of respondents in the richest 60% of households, ages 15+, who report using mobile money, a debit or credit card, or a mobile phone to receive a payment through an account in the past 12 months. It also includes respondents who report receiving remittances, receiving payments for agricultural products, receiving government transfers, receiving wages, or receiving a public sector pension directly into a financial institution account or through a mobile money account in the past 12 months


IndicatorName: Made or received digital payments in the past year (% ages 15-34)

Longdefinition: Denotes the percentage of respondents, ages 15-34, who report using mobile money, a debit or credit card, or a mobile phone to receive a payment through an account in the past 12 months. It also includes respondents who report receiving remittances, receiving payments for agricultural products, receiving government transfers, receiving wages, or receiving a public sector pension directly into a financial institution account or through a mobile money account in the past 12 months


IndicatorName: Made or received digital payments in the past year (% ages 35-59)

Longdefinition: Denotes the percentage of respondents, ages 35-59, who report using mobile money, a debit or credit card, or a mobile phone to receive a payment through an account in the past 12 months. It also includes respondents who report receiving remittances, receiving payments for agricultural products, receiving government transfers, receiving wages, or receiving a public sector pension directly into a financial institution account or through a mobile money account in the past 12 months


IndicatorName: Made or received digital payments in the past year (% age 60+)

Longdefinition: Denotes the percentage of respondents, age 60+, who report using mobile money, a debit or credit card, or a mobile phone to receive a payment through an account in the past 12 months. It also includes respondents who report receiving remittances, receiving payments for agricultural products, receiving government transfers, receiving wages, or receiving a public sector pension directly into a financial institution account or through a mobile money account in the past 12 months


IndicatorName: Received wages or government transfers into an account (% age 15+)

Longdefinition: Denotes the percentage of respondents, age 15+, who report personally receiving payments from the government in the past 12 months directly into a financial institution account, into a card, or into a mobile money account. This includes payments for educational or medical expenses, unemployment benefits, subsidy payments, or any kind of social benefits. It also includes pension payments from the government, military, or public sector as well as wages from employment in the government, military, or public sector.

Shortdefinition: Denotes the percentage of respondents, ages 15+, who report personally receiving payments from the government in the past 12 months directly into a financial institution account, into a card, or into a mobile money account. This includes payments for educational or medical expenses, unemployment benefits, subsidy payments, or any kind of social benefits. It also includes pension payments from the government, military, or public sector as well as wages from employment in the government, military, or public sector.


IndicatorName: Received wages or government transfers into an account, female (% age 15+)

Longdefinition: Denotes the percentage of female respondents, age 15+, who report personally receiving payments from the government in the past 12 months directly into a financial institution account, into a card, or into a mobile money account. This includes payments for educational or medical expenses, unemployment benefits, subsidy payments, or any kind of social benefits. It also includes pension payments from the government, military, or public sector as well as wages from employment in the government, military, or public sector.

Shortdefinition: Denotes the percentage of female respondents, ages 15+, who report personally receiving payments from the government in the past 12 months directly into a financial institution account, into a card, or into a mobile money account. This includes payments for educational or medical expenses, unemployment benefits, subsidy payments, or any kind of social benefits. It also includes pension payments from the government, military, or public sector as well as wages from employment in the government, military, or public sector.


IndicatorName: Received wages or government transfers into an account, male (% age 15+)

Longdefinition: Denotes the percentage of male respondents, age 15+, who report personally receiving payments from the government in the past 12 months directly into a financial institution account, into a card, or into a mobile money account. This includes payments for educational or medical expenses, unemployment benefits, subsidy payments, or any kind of social benefits. It also includes pension payments from the government, military, or public sector as well as wages from employment in the government, military, or public sector.

Shortdefinition: Denotes the percentage of male respondents, ages 15+, who report personally receiving payments from the government in the past 12 months directly into a financial institution account, into a card, or into a mobile money account. This includes payments for educational or medical expenses, unemployment benefits, subsidy payments, or any kind of social benefits. It also includes pension payments from the government, military, or public sector as well as wages from employment in the government, military, or public sector.


IndicatorName: Received wages or government transfers into an account, income, poorest 40% (% age 15+)

Longdefinition: Denotes the percentage of respondents in the poorest 40% of households, age 15+, who report personally receiving payments from the government in the past 12 months directly into a financial institution account, into a card, or into a mobile money account. This includes payments for educational or medical expenses, unemployment benefits, subsidy payments, or any kind of social benefits. It also includes pension payments from the government, military, or public sector as well as wages from employment in the government, military, or public sector.

Shortdefinition: Denotes the percentage of respondents in the poorest 40% of households, ages 15+, who report personally receiving payments from the government in the past 12 months directly into a financial institution account, into a card, or into a mobile money account. This includes payments for educational or medical expenses, unemployment benefits, subsidy payments, or any kind of social benefits. It also includes pension payments from the government, military, or public sector as well as wages from employment in the government, military, or public sector.


IndicatorName: Received wages or government transfers into an account, income, richest 60% (% age 15+)

Longdefinition: Denotes the percentage of respondents in the richest 60% of households, age 15+, who report personally receiving payments from the government in the past 12 months directly into a financial institution account, into a card, or into a mobile money account. This includes payments for educational or medical expenses, unemployment benefits, subsidy payments, or any kind of social benefits. It also includes pension payments from the government, military, or public sector as well as wages from employment in the government, military, or public sector.

Shortdefinition: Denotes the percentage of respondents in the richest 60% of households, ages 15+, who report personally receiving payments from the government in the past 12 months directly into a financial institution account, into a card, or into a mobile money account. This includes payments for educational or medical expenses, unemployment benefits, subsidy payments, or any kind of social benefits. It also includes pension payments from the government, military, or public sector as well as wages from employment in the government, military, or public sector.


IndicatorName: Received wages or government transfers into an account (% ages 15-34)

Longdefinition: Denotes the percentage of respondents, ages 15-34, who report personally receiving payments from the government in the past 12 months directly into a financial institution account, into a card, or into a mobile money account. This includes payments for educational or medical expenses, unemployment benefits, subsidy payments, or any kind of social benefits. It also includes pension payments from the government, military, or public sector as well as wages from employment in the government, military, or public sector.


IndicatorName: Received wages or government transfers into an account (% ages 35-59)

Longdefinition: Denotes the percentage of respondents, ages 35-59, who report personally receiving payments from the government in the past 12 months directly into a financial institution account, into a card, or into a mobile money account. This includes payments for educational or medical expenses, unemployment benefits, subsidy payments, or any kind of social benefits. It also includes pension payments from the government, military, or public sector as well as wages from employment in the government, military, or public sector.


IndicatorName: Received wages or government transfers into an account (% age 60+)

Longdefinition: Denotes the percentage of respondents, age 60+, who report personally receiving payments from the government in the past 12 months directly into a financial institution account, into a card, or into a mobile money account. This includes payments for educational or medical expenses, unemployment benefits, subsidy payments, or any kind of social benefits. It also includes pension payments from the government, military, or public sector as well as wages from employment in the government, military, or public sector.


IndicatorName: Made payment using a mobile phone or the internet (% age 15+)

Longdefinition: Denotes the percentage of respondents, age 15+, who report using a mobile phone or the internet to make or receive payments, to make a purchase, or to send or receive money through their financial institution account or through the use of a mobile money service in the past 12 months

Shortdefinition: Denotes the percentage of respondents, ages 15+, who report using a mobile phone or the internet to make or receive payments, to make a purchase, or to send or receive money through their financial institution account or through the use of a mobile money service in the past 12 months


IndicatorName: Made payment using a mobile phone or the internet, female (% age 15+)

Longdefinition: Denotes the percentage of female respondents, age 15+, who report using a mobile phone or the internet to make or receive payments, to make a purchase, or to send or receive money through their financial institution account or through the use of a mobile money service in the past 12 months

Shortdefinition: Denotes the percentage of female respondents, ages 15+, who report using a mobile phone or the internet to make or receive payments, to make a purchase, or to send or receive money through their financial institution account or through the use of a mobile money service in the past 12 months


IndicatorName: Made payment using a mobile phone or the internet, male (% age 15+)

Longdefinition: Denotes the percentage of male respondents, age 15+, who report using a mobile phone or the internet to make or receive payments, to make a purchase, or to send or receive money through their financial institution account or through the use of a mobile money service in the past 12 months

Shortdefinition: Denotes the percentage of male respondents, ages 15+, who report using a mobile phone or the internet to make or receive payments, to make a purchase, or to send or receive money through their financial institution account or through the use of a mobile money service in the past 12 months


IndicatorName: Made payment using a mobile phone or the internet, income, poorest 40% (% age 15+)

Longdefinition: Denotes the percentage of respondents in the poorest 40% of households, age 15+, who report using a mobile phone or the internet to make or receive payments, to make a purchase, or to send or receive money through their financial institution account or through the use of a mobile money service in the past 12 months

Shortdefinition: Denotes the percentage of respondents in the poorest 40% of households, ages 15+, who report using a mobile phone or the internet to make or receive payments, to make a purchase, or to send or receive money through their financial institution account or through the use of a mobile money service in the past 12 months


IndicatorName: Made payment using a mobile phone or the internet, income, richest 60% (% age 15+)

Longdefinition: Denotes the percentage of respondents in the richest 60% of households, age 15+, who report using a mobile phone or the internet to make or receive payments, to make a purchase, or to send or receive money through their financial institution account or through the use of a mobile money service in the past 12 months

Shortdefinition: Denotes the percentage of respondents in the richest 60% of households, ages 15+, who report using a mobile phone or the internet to make or receive payments, to make a purchase, or to send or receive money through their financial institution account or through the use of a mobile money service in the past 12 months


IndicatorName: Made payment using a mobile phone or the internet (% ages 15-34)

Longdefinition: Denotes the percentage of respondents, ages 15-34, who report using a mobile phone or the internet to make or receive payments, to make a purchase, or to send or receive money through their financial institution account or through the use of a mobile money service in the past 12 months


IndicatorName: Made payment using a mobile phone or the internet (% ages 35-59)

Longdefinition: Denotes the percentage of respondents, ages 35-59, who report using a mobile phone or the internet to make or receive payments, to make a purchase, or to send or receive money through their financial institution account or through the use of a mobile money service in the past 12 months


IndicatorName: Made payment using a mobile phone or the internet (% age 60+)

Longdefinition: Denotes the percentage of respondents, age 60+, who report using a mobile phone or the internet to make or receive payments, to make a purchase, or to send or receive money through their financial institution account or through the use of a mobile money service in the past 12 months


IndicatorName: Active account (% age 15+)

Longdefinition: Denotes the percentage of respondents, age 15+, who report either making  a deposit or a withdrawal using their account (by themselves or together with someone else) at a bank or another type of financial institution or personally using a mobile money service in the past 12 months.

Shortdefinition: Denotes the percentage of respondents, ages 15+, who report either making  a deposit or a withdrawal using their account (by themselves or together with someone else) at a bank or another type of financial institution or personally using a mobile money service in the past 12 months.


IndicatorName: Active account, female (% age 15+)

Longdefinition: Denotes the percentage of female respondents, age 15+, who report either making  a deposit or a withdrawal using their account (by themselves or together with someone else) at a bank or another type of financial institution or personally using a mobile money service in the past 12 months.

Shortdefinition: Denotes the percentage of female respondents, ages 15+, who report either making  a deposit or a withdrawal using their account (by themselves or together with someone else) at a bank or another type of financial institution or personally using a mobile money service in the past 12 months.


IndicatorName: Active account, male (% age 15+)

Longdefinition: Denotes the percentage of male respondents, age 15+, who report either making  a deposit or a withdrawal using their account (by themselves or together with someone else) at a bank or another type of financial institution or personally using a mobile money service in the past 12 months.

Shortdefinition: Denotes the percentage of male respondents, ages 15+, who report either making  a deposit or a withdrawal using their account (by themselves or together with someone else) at a bank or another type of financial institution or personally using a mobile money service in the past 12 months.


IndicatorName: Active account, income, poorest 40% (% age 15+)

Longdefinition: Denotes the percentage of respondents in the poorest 40% of households, age 15+, who report either making  a deposit or a withdrawal using their account (by themselves or together with someone else) at a bank or another type of financial institution or personally using a mobile money service in the past 12 months.

Shortdefinition: Denotes the percentage of respondents in the poorest 40% of households, ages 15+, who report either making  a deposit or a withdrawal using their account (by themselves or together with someone else) at a bank or another type of financial institution or personally using a mobile money service in the past 12 months.


IndicatorName: Active account, income, richest 60% (% age 15+)

Longdefinition: Denotes the percentage of respondents in the richest 60% of households, age 15+, who report either making  a deposit or a withdrawal using their account (by themselves or together with someone else) at a bank or another type of financial institution or personally using a mobile money service in the past 12 months.

Shortdefinition: Denotes the percentage of respondents in the richest 60% of households, ages 15+, who report either making  a deposit or a withdrawal using their account (by themselves or together with someone else) at a bank or another type of financial institution or personally using a mobile money service in the past 12 months.


IndicatorName: Active account (% ages 15-34)

Longdefinition: Denotes the percentage of respondents, ages 15-34, who report either making  a deposit or a withdrawal using their account (by themselves or together with someone else) at a bank or another type of financial institution or personally using a mobile money service in the past 12 months.


IndicatorName: Active account (% ages 35-59)

Longdefinition: Denotes the percentage of respondents, ages 35-59, who report either making  a deposit or a withdrawal using their account (by themselves or together with someone else) at a bank or another type of financial institution or personally using a mobile money service in the past 12 months.


IndicatorName: Active account (% age 60+)

Longdefinition: Denotes the percentage of respondents, age 60+, who report either making  a deposit or a withdrawal using their account (by themselves or together with someone else) at a bank or another type of financial institution or personally using a mobile money service in the past 12 months.