Comprise resident commercial banks and other banks functioning as commercial banks that meet the definition of ODCs.

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1 Other depository corporations (ODCs) Comprise 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. Commercial banks Comprise resident commercial banks and other banks functioning as commercial banks that meet the definition of ODCs. Credit unions and financial cooperatives Include financial institutions that are owned and controlled by their members (customers), regardless of whether they do business exclusively with their members or with members and non-members. Deposit taking microfinance institutions (MFIs) Include institutions whose primary business model is to take deposits (included in the national definition of broad money) and lend to self-employed or informally employed poor, micro-entrepreneurs, and small businesses, often using specialized methodologies such as group lending. Geographical Outreach Number of Institutions Other deposit takers Other financial corporations Include all resident financial intermediaries other than the central bank, commercial banks, credit unions and financial cooperatives, and deposit taking MFIs that meet the definition of ODCs that is, they accept deposits or issue other types of liabilities that are 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. Consist of a diverse group of resident financial corporations that provide financial services, either through intermediation or auxiliary services, and that do not issue liabilities included in broad money. The FAS covers other financial intermediaries and insurance corporations (but excludes pension funds and financial auxiliaries). Other financial intermediaries (OFIs) Include resident financial intermediaries that do not meet the definition of ODCs that is, they raise funds by issuing liabilities that are not included in the national definition of broad money, and use the funds to extend loans, mainly to nonfinancial corporations and households, actively competing with ODCs. Financial auxiliaries, insurance corporations, and pension funds are excluded from this category. Non-deposit taking MFIs Include institutions whose primary business model is to lend to self-employed or informally employed poor, microentrepreneurs, and small businesses, often using specialized methodologies such as group lending, but do not take deposits or issue liabilities that are included in the national definition of broad money. Comprise all resident insurance corporations providing financial benefits to policyholders and their survivors in the event of accidents, illness, death, disasters, or incurrence of various personal expenses. All MFIs Include both deposit-taking and non-deposit-taking MFIs. 1

2 Number of branches, excluding headquarters Includes all units of each type of reporting institution covered in the FAS that provide financial services to customers and are physically separated from the main office but not organized as legally separated subsidiaries (located in the reporting country). The number of headquarters (shown under the Number of Institutions above) is excluded. Branches Number of branches in 3 largest cities Number of branches per 1000 km 2 Includes all branches as defined above of each type of reporting institution (covered in the FAS) located in 3 largest cities by population in the reporting country. Calculated as: (number of institutions + number of branches)*1,000/land area of the reporting country in square kilometers --- calculated separately for commercial banks, credit unions and financial cooperatives, and all MFIs. Number of branches per 100,000 Calculated as follows: (number of institutions + number of branches)*100,000/adult population in the reporting country --- calculated separately for commercial banks, credit unions and financial cooperatives, and all MFIs. Geographical Outreach Automated Teller Machines (ATMs) Number of ATMs Number of ATMs in 3 largest cities Number of ATMs per 1000 km 2 Number of ATMs per 100,000 Number of registered agent outlets per 100,000 The total number of ATMs in the reporting country. The number of ATMs in 3 largest cities by population in the reporting country. Calculated as: (number of ATMs)*1,000/land area of the reporting country in square kilometers. Calculated as: (number of ATMs)*100,000/adult population in the reporting country. Number of locations where one or several mobile money agents are contracted to facilitate transactions for users. An agent is a person, quasi-corporation, corporation, or machine that facilitates mobile money account registration, CICO transactions, and customer support. Normally, they are registered with MMSPs and perform as agents of MMSPs on a commission basis. Calculated as: (number of registered agent outlets)*100,000/adult population in the reporting country. Mobile Money Number of registered agent outlets per 1000 km 2 Number of active agent outlets per 100,000 Calculated as: (number of registered agent outlets)*1,000/land area of the reporting country in square kilometers Number of agent outlets that have facilitated at least one transaction over the past 30 days. An agent is a person, quasi-corporation, corporation, or machine that facilitates mobile money account registration, CICO transactions, and customer support. Normally, they are registered with MMSPs and perform as agents of MMSPs on a commission basis. Calculated as: (number of active agent outlets)*100,000/adult population in the reporting country Number of active agent outlets per 2 Calculated as: (number of active agent outlets)*1,000/land area of the reporting country in square kilometers 1000 km 2

3 Use of Financial Services Number of Depositors (for ODCs); Customers (for OFIs); Insurance Policy Holders (for ) Number of Borrowers Liabilities: Outstanding Deposits (for ODCs); Acquired Funds (for OFIs); Insurance Technical Reserves (for Insurance Corporations) ODCs/commercial banks/credit unions and financial cooperatives/deposittaking MFIs/other deposit takers OFIs/non-deposit taking MFIs/other OFIs Depositors with commercial banks/credit unions and financial cooperatives per 1,000 Household depositors with commercial banks per 1,000 SME depositors with commercial banks as % of non-financial corporation depositors Depositors/customers with all MFIs per 1,000 ODCs/Commercial banks/ credit unions and financial cooperatives/ deposit taking MFIs/ other deposit takers / OFIs / non-deposit taking MFIs Borrowers from commercial banks / credit unions and financial cooperatives / all MFIs per 1,000 Household borrowers from commercial banks per 1,000 SME borrowers from commercial banks as % of non-financial corporation borrowers ODCs/commercial banks/ credit unions and financial cooperatives/ deposit taking MFIs/ other deposit takers OFIs / non-deposit taking MFIs / Other OFIs Outstanding deposits with commercial banks/ credit unions and financial cooperatives (% of GDP) Outstanding deposits/acquired funds of all MFIs (% of GDP) Outstanding deposits of SMEs with commercial banks (% of GDP) Outstanding deposits of households with commercial banks (% of GDP) The total number of deposit account holders that are resident nonfinancial corporations (public and private) and households in each type of financial institution. For several reporting countries, however, data cover all depositors. The total number of resident customers that are nonfinancial corporations (public and private) and households who have provided funds to each type of financial institution. For several reporting countries, however, data cover all customers. The total number of life and non-life insurance policy holders (resident) that are resident nonfinancial corporations (public and private) and households. For each type of institution calculated as: (number of depositors)*1,000/adult population in the reporting country. Calculated as: (number of household depositors with commercial banks)*1,000/adult population in the reporting country. Calculated as: (number of SME depositors with commercial banks)/(number of depositors with commercial banks - number of household depositors with commercial banks)*100. Calculated as: (number of depositors with deposit taking MFIs + number of customers of non-deposit taking MFIs)*1,000/adult population in the reporting country. The total number of resident customers that are nonfinancial corporations (public and private) and households who obtained loans from each type of institution. For several reporting countries, however, data cover all borrowers. For each type of institution calculated as: (number of borrowers)*1,000/adult population in the reporting country. For several reporting countries, however, data cover the total number of all borrowers. Calculated as: (number of household borrowers with commercial banks)*1,000/adult population in the reporting country. Calculated as: (number of SME borrowers with commercial banks)/(number of borrowers with commercial banks - number of household borrowers with commercial banks)*100. The total amount (in millions of national currency) of all types of outstanding deposits (transferable and nontransferable) of resident nonfinancial corporations (public and private) and households with each type of institution. For several reporting countries, however, data cover the total amount of deposits provided by all clients. The total amount (in millions of national currency) of funds provided by resident nonfinancial corporations (public and private) and households to OFIs, non-deposit taking MFIs, and other OFIs. For several reporting countries, however, data cover the total amount of funds provided by all clients. The outstanding amount (in millions of national currency) of insurance technical reserves (related to residents). Insurance technical reserves consist of net equity of households in life insurance reserves and prepayments of insurance premiums and reserves against outstanding claims. All these are considered assets of the beneficiaries and policyholders. Net equity of households in pension funds is excluded because pension funds are not covered in the FAS. For each type of reporting institution calculated as: (outstanding deposits)*100/ GDP. Calculated as: (outstanding deposits with deposit-taking MFIs + acquired funds of non-deposit-taking MFIs)*100/GDP. Calculated as: (outstanding deposits of SMEs with commercial banks)*100/gdp. Calculated as: (outstanding deposits of households with commercial banks)*100/gdp. 3

4 Use of Financial Services Assets: Outstanding Loans Name ODCs/commercial banks/ credit unions and financial cooperatives/ deposit-taking MFIs/ other deposit takers OFIs / non-deposit taking MFIs / Other OFIs Outstanding loans from commercial banks/ credit unions and financial cooperatives/ all MFIs (% of GDP) Outstanding loans by SMEs from commercial banks (% of GDP) Outstanding loans by households from commercial banks (% of GDP) Number of registered mobile money accounts per 1,000 Number of active mobile money accounts per 1,000 The total amount (in millions of national currency) of all types of outstanding loans of resident nonfinancial corporations (public and private) and households with each type of institution. For several reporting countries, however, data cover the total amount of loans by all clients. The total amount (in millions of national currency) of loans obtained by resident nonfinancial corporations (public and private) and households from OFIs, non-deposit taking MFIs, and other OFIs. For several reporting countries, however, data cover the total amount of loans by all clients. For each type of institution calculated as: (outstanding loans)*100/gdp. Calculated as: (outstanding loans by SMEs from commercial banks)*100/gdp. Calculated as: (outstanding loans by households from commercial banks)*100/gdp. Number of accounts with resident mobile money service providers (MMSPs) that are primarily accessed by mobile phones and are useable or have been used for mobile money transactions. Calculated as: (number of registered mobile money accounts)*1,000/adult population in the reporting country. Number of registered mobile money accounts that have been used to conduct mobile money or a Cash-In-Cash- Out (CICO) transactions over the past 90 days. Balance inquiries, PIN resets, and other transactions that do not constitute mobile money or CICO transaction should not qualify a customer account as active. Calculated as: (number of active mobile money accounts)*1,000/adult population in the reporting country. Mobile Money Value of mobile money transactions (during the reference year) (%GDP) Number of mobile money transactions (during the reference year) per 1,000. Outstanding balances on active mobile money accounts (%GDP) The total amount (in millions of national currency) of all mobile money transactions carried out during the reference period. Mobile money transactions include financial payments or transfers to a third party using balances on a mobile money account via a mobile phone, including P2P transfers, bill payments, merchant payments, and international remittances. Calculated as: (value of mobile money transactions)*100/gdp. Number of financial payments or transfers to third parties using balances on mobile money accounts via mobile phones, including P2P transfers, bill payments, merchant payments, and international remittances. There must be a network of transactional points outside bank branches that makes these services accessible to unbanked and under-banked people. Services that offer the mobile phone as just another channel to access a traditional banking product are not included. The service must offer an interface for initiating transactions for agents and/or customers that is available on basic mobile devices. Calculated as: (number of mobile money transactions)*1,000/adult population in the reporting country. The total amount (in millions of national currency) of outstanding balances on active mobile money accounts. An active mobile money account is defined above. Calculated as: (outstanding balances on active mobile money accounts)*100/gdp 4

5 The total amount (in millions of national currency) of all outstanding deposits of resident nonfinancial corporations (public and private) and other resident sectors (households and nonprofit institutions serving households) with other depository corporations as reported to the IMF for publication in International Financial Statistics (IFS) via standardized report form 2SR. International Financial Statistics Published Data Outstanding Deposits Outstanding Loans The total amount (in millions of national currency) of all outstanding loans to resident nonfinancial corporations (public and private) and other resident sectors (households and nonprofit institutions serving households) with other depository corporations as reported to the IMF for publication in International Financial Statistics (IFS) via standardized report form 2SR. World Development s Gross domestic product Adult population GDP data are presented in millions of national currency. Data are taken from the World Bank's World Development s database. In cases where data for the most recent period are not available, data for the previous period are repeated. In cases where data for more than one period are not available, data are taken from the IMF's World Economic Outlook database. Calculated as: (total population - (total population*percent of population age 0-14)). Data are taken from the World Bank's World Development s database. In cases where the percent of population age 0-14 is not available, the regional percent of population age 0-14 is used to calculate the number of adult population. In cases where data for the most recent period are not available, data for the previous period are repeated. Land area Land area data are presented in millions of square kilometers. Data are taken from the World Bank's World Development s database. In cases where data for the most recent period are not available, data for the previous period are repeated. Additional definitions SMEs Others Small and medium enterprises (SMEs) are defined based on local banking context. If there is no local definition, the World Bank Group definition may be used as a guideline. World Bank Group defines a firm as an SME if it meets two of the following three requirements: (i) have less than 300 employees, (ii) have less than $15 million in assets, and (iii) have less than $15 million in annual sales. As some financial institutions are unable to report data based on any of these three criteria, loan size is also used as a proxy. In that case, a firm is considered an SME if the size of its outstanding loan from a financial institution is less than $1 million. For more detailed explanations of key concepts and definitions, such as residence, classification of financial corporations, deposits, loans, broad money, insurance technical reserves, etc., used in the FAS please see the IMF s Monetary and Financial Statistics Manual. 5

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