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120%
100%
80%
60%
40%
20%
0%
All countries East Asia &
Pacific
Eastern
Europe &
Central Asia
High income
OECD
Latin
America &
Carribean
Middle East
& North
Africa*
South Asia
Sub-Saharan
Africa
Chart 1. Percentage of firms with a checking or savings account
Table 1. Percentage of firms and adults in respect to different aspect of accounts and savings .
Firms Adults (age 15+)
with
Region/aspects of
with a checking financial saved with savings in with savings club or
savings
or savings institution any financial
person outside the
account
account money institution family
All countries 87,1% 60,7% 56,5% 27,4% na
East Asia & Pacific 67,3% 68,8% 71,0% 36,5% 6,0%
Eastern Europe &
Central Asia 88,3% 51,4% 38,5% 8,4% 6,6%
High income OECD 97,7% 94,0% 70,8% 51,6% na
Latin America &
Carribean 91,2% 51,1% 40,6% 13,5% 7,9%
Middle East & North
Africa* 75,9% 14,0% 30,5% 4,0% 11,5%
South Asia 77,6% 45,5% 36,2% 12,7% 8,8%
Sub-Saharan Africa 86,0% 28,9% 59,6% 15,9% 23,9%
Source: World Bank
The percentage of firms which use a checking and saving account is rather high. Additionally,
share of firms which use the checking or savings account is higher than share of adults who
have an account at a formal financial institution or save money in different ways. There is not a
clear relationship between using these basic financial products and services by firms and
individuals in particular regions in the world.
The next and probably the most important area of financial inclusion in the enterprises is
raising the capital necessary for running the business. The structure of the financing the
investments in the enterprises activity is presented in Chart 2. It should be underlined, that
financial market creates many possibilities for raising capital.
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