Indicators of Access to Financial Services
Financial institutions
Number of branches, or other banking service outlets, for each bank, NBFI, and DFI and for each province (state and local jurisdictions)
Number of ATMs for each bank, NBFI, and DFI and for each province
Size distribution of loans for banks, NBFIs, and DFIs; similar distribution data for deposits
Number of employees for each bank, NBFI, and DFI and for each province
Paymentsa
Percentages of households with transaction accounts, payment cards; total number of transaction accounts, payment cards in the system
Savingsa
Percentages of households with savings accounts; total number of savings and time deposit accounts
Allocation of fundsa
Percentage of households with residential mortgage; with other borrowings in last year (stock or flow)
Percentage of enterprises (including unincorporated) with borrowing from formal financial intermediaries
Percentages of enterprises reporting credit refusal in past year or discouraged borrowers Monitoring usersa
Number and percentage of loans covered by various credit registries Risk transformation
Percentage of households with life, motor, and household insurance Cost of financial services (banking charges)a
Average or lowest quintile of the cost of maintaining standard transactions accounts (all inclusive cost) for financial intermediaries
Cost of standard internal retail payment; cost of standard international remittance from a specified source country
Percentage of households with more than 1 hour traveling distance from a bank branch by public transport
Note: NBFI = nonbank financial institution; DFI = development finance institution; ATMs = automated teller machines.
a. These data were proposed by Honohan (2004) as basic national access indicators. Compilation of data will typically require surveys of households, financial service providers, and experts with knowledge of the field. Further breakdown of the proposed access information by socioeconomic classes of households or types of enterprises (e. g., microenterprises) would increase the value of available information for policy and research purposes. Such information can be combined with data on holdings of various financial assets and liabilities by households, nonfinancial corporates, and financial institutions for a more detailed assessment.
