Borrowers from commercial banks (per 1,000 adults)

Depositors with commercial banks are the reported number of deposit account holders, including both resident non-financial corporations (both public and private) and individuals from the household sector, at commercial banks within the reporting jurisdiction for every 1,000 adults. The major types of deposits are checking accounts, savings accounts, and time deposits.

Commercial bank branches are retail locations of resident commercial banks and other resident banks that function as commercial banks that provide financial services to customers and are physically separated from the main office but not organized as legally separated subsidiaries.

Automated teller machines (ATMs) are electromechanical devices which enable customers of financial institutions to perform financial transactions such as cash withdrawals, balance inquiries, deposits, transfer of funds, and obtaining account information, using an electronic card.

Percentage of firms that have bank loans or a line of credit.

Percentage of firms using bank loans to finance working capital.

Interest rate spread is the interest rate charged by banks on loans to private sector customers minus the interest rate paid by commercial or similar banks for demand, time, or savings deposits. The terms and conditions attached to these rates differ by country, however, limiting their comparability.