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Metadata Glossary
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Quarterly External Debt Statistics GDDS was updated on April 16, 2024
Quarterly External Debt Statistics SDDS was updated on April 16, 2024
Environment Social and Governance (ESG) Data was updated on April 16, 2024
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Metadata Glossary
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Indicator
Country
Classification
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Filtered Results: 10
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Code
FB.CBK.DPTR.P3
Indicator Name
Depositors with commercial banks (per 1,000 adults)
Long definition
Depositors with commercial banks are the reported number of deposit account holders at commercial banks and other resident banks functioning as commercial banks that are resident nonfinancial corporations (public and private) and households. For many countries data cover the total number of deposit accounts due to lack of information on account holders. The major types of deposits are checking accounts, savings accounts, and time deposits.
Source
International Monetary Fund, Financial Access Survey.
Topic
Financial Sector: Access
Periodicity
Annual
Aggregation method
Median
Statistical concept and methodology
Depositors with commercial banks are deposit account holders at commercial banks and other resident banks functioning as commercial banks that are resident nonfinancial corporations (public and private) and households. It is calculated as (number of depositors)*1,000/adult population in the reporting country. The major types of deposits are checking accounts, savings accounts, and time deposits.
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
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.
General comments
Country-specific metadata can be found on the IMF’s FAS website (data.imf.org).
License URL
https://datacatalog.worldbank.org/public-licenses#cc-by
License Type
CC BY-4.0
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