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