Independent

Digital Financia Online Banking Mobile Banking POS

2010 0.0263 0.0075 0.0058
2011 0.0286 0.0094 0.0068
2012 0.0310 0.0147 0.0122
2013 0.0392 0.0431 0.0221
2014 0.0579 0.0628 0.0341
2015 0.1011 0.1025 0.0460
2016 0.1514 0.1535 0.0542
2017 0.1665 0.1887 0.2220
2018 0.1865 0.2038 0.2387
2019 0.2116 0.2140 0.3580

Dependent
FI Indicators Bank account holders Low cost accounts Value of loans to MSMEs
2010 0.0249 0.0283 0.0579
2011 0.0290 0.0330 0.0675
2012 0.0331 0.0377 0.0771
2013 0.0373 0.0424 0.0868
2014 0.0414 0.0471 0.0964
2015 0.0854 0.1185 0.1071
2016 0.1551 0.1397 0.1232
2017 0.1615 0.1299 0.0965
2018 0.1871 0.1833 0.1245
2019 0.2451 0.2401 0.1630
ATMs
0.0266
0.0312
0.0557
0.1013
0.1558
0.2105
0.2477
0.0464
0.0499
0.0749

Loans to women and youth Agent Banks

0.0497 0.0042
0.0580 0.0052
0.0663 0.0074
0.0746 0.0113
0.0829 0.0248
0.1110 0.0442
0.1203 0.0983
0.1312 0.1788
0.1325 0.2980
0.1736 0.3278
Digital Financial Services Measure 2010 2011 2012 2013 2014 2015
Ratio Ratio Ratio Ratio Ratio Ratio
Online Banking 0.0263 0.0286 0.0310 0.0392 0.0579 0.1011
Mobile Banking 0.0075 0.0094 0.0147 0.0431 0.0628 0.1025
POS 0.0058 0.0068 0.0122 0.0221 0.0341 0.0460
ATMs 0.0266 0.0312 0.0557 0.1013 0.1558 0.2105
Agent Banks 0.0042 0.0052 0.0074 0.0113 0.0248 0.0442

FI Indicators 2010 2011 2012 2013 2014 2015

Ratio Ratio Ratio Ratio Ratio Ratio
Bank account holders 0.0249 0.0290 0.0331 0.0373 0.0414 0.0854
Low cost accounts 0.0283 0.0330 0.0377 0.0424 0.0471 0.1185
Value of loans to MSMEs 0.0579 0.0675 0.0771 0.0868 0.0964 0.1071
Loans to women and youth 0.0497 0.0580 0.0663 0.0746 0.0829 0.1110
2016 2017 2018 2019 Total 2010 2011 2012
Ratio Ratio Ratio Ratio V V V
0.1514 0.1665 0.1865 0.2116 1.0000 45,000 49,000 53,000
0.1535 0.1887 0.2038 0.2140 1.0000 544,800 681,000 1,072,000
0.0542 0.2220 0.2387 0.3580 1.0000 5,609,534.06 6,599,451.83 11,784,735.41
0.2477 0.0464 0.0499 0.0749 1.0000 245,608,083.46 287,762,321.71 513,680,869.13
0.0983 0.1788 0.2980 0.3278 1.0000 55,085 68,856 98,366

2016 2017 2018 2019 Total 2010 2011 2012

Ratio Ratio Ratio Ratio m m m
0.1551 0.1615 0.1871 0.2451 1.0000 0.894 1.043 1.192
0.1397 0.1299 0.1833 0.2401 1.0000 0.72 0.84 0.96
0.1232 0.0965 0.1245 0.1630 1.0000 79.014 92.183 105.352
0.1203 0.1312 0.1325 0.1736 1.0000 201.426 234.997 268.568
 2013 2014 2015 2016 2017 2018 2019
V V V V V V V
67,000 99,000 173,000 259,000 284,900 319,088 362,165
3,137,000 4,572,000 7,465,000 11,175,925 13,746,388 14,846,099 15,588,404
21,426,791.66 32,964,294.86 44,546,344.40 52,407,464.00 214,857,784.00 230,972,117.80 346,458,176.70
933,634,951.14 1,436,342,349.45 1,941,003,174.93 2,283,533,146.98 427,973,605.99 460,071,626.44 690,107,439.66
149,039 327,559 584,927 1,299,837 2,363,340 3,938,900 4,332,790

2013 2014 2015 2016 2017 2018 2019

m m m m m m m
1.341 1.49 3.07 5.58 5.81 6.73 8.82
1.08 1.2 3.02 3.56 3.31 4.67 6.12
118.521 131.69 146.22 168.25 131.83 169.96 222.65
302.139 335.71 449.71 487.32 531.34 536.79 703.19
 Total

1,711,153
72,828,615
967,626,695
9,219,717,569
13,218,699

Total
m
35.97
25.48
1,365.67
4,051.19