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BANKING THE UNBANKED
WHERE THE UNBANKED LIVEPERCENTAGE OF PEOPLE AGED 15 AND OVER WITH AN ACCOUNT AT A FINANCIAL INSTITUTION
UNBANKED PERCENTAGE OF POPULATIONTOP AND BOTTOM TEN FROM MORE THAN 160 COUNTRIES WITH AVAILABLE DATA
Financial inclusion is a key driver in tackling poverty and boosting economic growth. Yet a staggering two billion adults across the world still do not regularly use a bank account or have access to a financial institution via a mobile device. Here is the the latest data on financial inclusion, which shows a large disparity between different countries worldwide
Global Findex, World Bank
Global Findex, World Bank
TOP 10
BOTTOM 10
01 Norway 100%
02 Finland 100%
03 Denmark 100%
04 Sweden 99.7%
05 New Zealand 99.5%
06 Netherlands 99.3%
07 Canada 99.1%
10 Germany 98.7%
09 Australia 98.8%
08 UK 98.9%
01 Turkmenistan 1.8%
02 Niger 3.5%
03 Madagascar 5.7%
04 Guinea 6.2%
05 Republic of Yemen 6.5%
06 Burundi 6.9%
07 Chad 7.7%
08 Somalia 7.9%
09 Pakistan 8.7%
10 Afghanistan 9.9%
1.8–18.4%
18.5–40.6%
40.7–62.9%
63–87.4%
87.5–100%
No data
48.5% of females aged
15 and over have an account at a financial institution, compared
with 54 per cent of males
62% of adults worldwide have an account at a financial institution or through a mobile device, up from 51
per cent in 2011 17.9% of people aged
15 and over in low-income economies have a debit card
5.4% of people aged 15
and over in Sub-Sarahan Africa use a mobile money account and nothing else,
compared with the global average of 1
per cent
$380BN OPPORTUNITY FOR BANKS IN EMERGING MARKETS
Accenture/World Bank/Global Findex
PERSONAL BANKING
Estimated financial services consumption increase through full banking penetration and increased utilisation by adult population
MICRO AND SMALL BUSINESS BANKING
Asia-Pacific
2014 Potential 2014 Potential 2014 Potential 2014 Potential
Asia-Pacific
Latin America
& Caribbean
LatinAmerica &Caribbean
Eastern Europe & Central Asia
Africa & Middle East
$3-$8kFormal small business lending
Potential fee revenue
Formal micro & informal small business lending
$1-$3k <$1k Consumption increase ($bn)
Income band of adults (per annum)
$95bn
$26bn
$8bn $6bn$7bn
$79bn
$34bn
$22bn $22bn
+53.2 +26.2 +15.7 +15.2
$81bn
EasternEurope &Central Asia
$34bn
Africa & Middle East $57bn
COMMERCIAL BANK BRANCHES AND ATMs PER 100,000 ADULTS
World Bank/Global Findex
MOST RECENT DATA AVAILABLE FOR SELECTED COUNTRIES
Bank branchesATMs
Chad
Myanmar
Kazakhstan
China
Pakistan
South Africa
Qatar
Germany
UK
Spain
0.60
0.09
69.49
0.49
1.87
3.33
10 20 30 40 50 60 70 80 90 100 110 120 130 140 1500
69.49
5.42
59.93
59.67
118.77
124.28
85.12138.15
7.72
8.97
10.42
13.22
13.9
24.23
GLOBAL AVERAGE
per 100,000 adults 34.2
11.7ATMs
Bank branches