Borrowers from commercial banks (per 1,000 adults) - Country Ranking

Definition: Borrowers from commercial banks are the reported number of resident customers that are nonfinancial corporations (public and private) and households who obtained loans from commercial banks and other banks functioning as commercial banks. For many countries data cover the total number of loan accounts due to lack of information on loan account holders.

Source: International Monetary Fund, Financial Access Survey.

See also: Thematic map, Time series comparison

Find indicator:
Rank Country Value Year
1 Singapore 1,233.00 2016
2 Israel 909.59 2011
3 Turkey 803.89 2016
4 Georgia 723.89 2016
5 Belgium 698.71 2016
6 Croatia 572.48 2016
7 Serbia 567.44 2016
8 Brazil 549.23 2016
9 Italy 545.55 2016
10 San Marino 545.13 2016
11 Estonia 531.36 2016
12 Hungary 470.11 2016
13 Uruguay 468.57 2016
14 Chile 456.72 2016
15 Poland 455.90 2016
16 Indonesia 446.45 2016
17 Argentina 393.20 2016
18 Brunei 386.41 2016
19 China 383.70 2016
20 Mongolia 382.64 2016
21 El Salvador 382.51 2016
22 Malaysia 378.60 2016
23 Latvia 376.79 2016
24 Portugal 366.19 2016
25 Palau 336.44 2016
26 Macedonia 333.19 2016
27 Suriname 327.20 2016
28 Thailand 324.30 2016
29 Malawi 318.17 2015
30 Namibia 301.82 2016
31 Paraguay 294.19 2016
32 Bosnia and Herzegovina 292.18 2016
33 Azerbaijan 291.07 2014
34 Kenya 272.73 2016
35 Qatar 252.16 2016
36 Costa Rica 242.88 2016
37 Colombia 236.40 2016
38 Lebanon 234.10 2016
39 Tunisia 226.22 2016
40 Montenegro 224.41 2016
41 Zimbabwe 218.83 2016
42 Ecuador 217.50 2016
43 Seychelles 214.82 2016
44 Kuwait 210.99 2016
45 Romania 208.41 2016
46 Dominican Republic 190.73 2016
47 Cabo Verde 183.73 2016
48 Botswana 168.84 2016
49 Saudi Arabia 166.23 2016
50 Belize 166.04 2016
51 Albania 157.80 2016
52 Bolivia 151.95 2015
53 Peru 149.85 2016
54 Guatemala 142.28 2015
55 Libya 137.21 2011
56 São Tomé and Principe 130.47 2016
57 Samoa 123.97 2016
58 Honduras 112.07 2016
59 Egypt 99.64 2015
60 Swaziland 98.52 2016
61 Gabon 96.12 2013
62 Kyrgyz Republic 95.43 2016
63 Vanuatu 86.06 2015
64 Bangladesh 73.03 2016
65 Mozambique 69.01 2016
66 Uzbekistan 67.93 2016
67 Mauritania 67.30 2016
68 United Kingdom 59.34 2012
69 Syrian Arab Republic 51.57 2013
70 Ghana 44.67 2016
71 Lesotho 43.79 2015
72 Timor-Leste 42.60 2016
73 Moldova 40.38 2016
74 Algeria 39.07 2016
75 Congo 38.12 2015
76 Djibouti 34.55 2016
77 Tajikistan 34.22 2013
78 Uganda 31.36 2016
79 Solomon Islands 29.38 2016
80 Rwanda 29.10 2016
81 Lao PDR 28.82 2016
82 Madagascar 28.81 2016
83 Kiribati 27.96 2013
84 Tanzania 26.69 2015
85 Zambia 24.44 2016
86 Pakistan 21.75 2016
87 Equatorial Guinea 21.74 2016
88 Cameroon 20.87 2014
89 Angola 18.16 2016
90 Burundi 14.46 2015
91 Sierra Leone 14.34 2012
92 Guinea 13.59 2016
93 Yemen 13.01 2015
94 Comoros 11.45 2016
95 Chad 10.12 2016
96 Liberia 8.63 2013
97 Dem. Rep. Congo 4.76 2014
98 Myanmar 4.41 2016
99 Afghanistan 3.05 2016
100 Haiti 2.18 2015
101 Ethiopia 2.09 2012

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Development Relevance: Access to finance can expand opportunities for all with higher levels of access and use of banking services associated with lower financing obstacles for people and businesses. A stable financial system that promotes efficient savings and investment is also crucial for a thriving democracy and market economy. There are several aspects of access to financial services: availability, cost, and quality of services. The development and growth of credit markets depend on access to timely, reliable, and accurate data on borrowers' credit experiences. Access to credit can be improved by making it easy to create and enforce collateral agreements and by increasing information about potential borrowers' creditworthiness. Lenders look at a borrower's credit history and collateral. Where credit registries and effective collateral laws are absent - as in many developing countries - banks make fewer loans. Indicators that cover getting credit include the strength of legal rights index and the depth of credit information index.

Limitations and Exceptions: For several countries, data cover all borrowers including commercial banks, credit unions and financial cooperatives, deposit taking microfinance institutions, and other deposit takers. These include all resident financial corporations and quasi-corporations (except the central bank) that are mainly engaged in financial intermediation and that issue liabilities included in the national definition of broad money. These institutions have varying names in different countries, such as savings and loan associations, building societies, rural banks and agricultural banks, post office giro institutions, post office savings banks, savings banks, and money market funds.

Statistical Concept and Methodology: Borrowers from commercial banks denotes the total number of resident customers that are nonfinancial corporations (public and private) and households who obtained loans from commercial banks for every 1,000 adults in the reporting country. It is calculated as (number of borrowers)*1,000/adult population in the reporting country.

Aggregation method: Median

Periodicity: Annual

General Comments: Country-specific metadata can be found on the IMF’s FAS website at  http://fas.imf.org.