Pre-demographic dividend: Depositors with commercial banks (per 1,000 adults)

Key figures

What the numbers say

In 2023, Pre-demographic dividend's depositors with commercial banks (per 1,000 adults) fell 6.74 on 2022 (from 245.18 to 238.43).

Across the 15 yearly changes before that (2008 to 2022), the average change was +12.29 and a typical year strayed about 10.85 from that (the standard deviation). This year's change was 1.8 standard deviations below that average, so it was larger than a typical year, though not out of the range seen before.

On record, the biggest yearly rise was 37.16 in 2021 and the biggest yearly fall was 6.94 in 2020. The numbers show how large and when, not why; for the cause, look at what happened in that country in those years.

From 2014 to 2023 the straight-line trend is upward, about 13.51 a year. A straight line explains 96% of the movement over 10 observed years.

Worked out from the yearly values above. How the checks work: standard deviation, z-scores and straight-line trends.

A straight-line projection, tested first

Extending that straight line gives about 279.27 for 2026. We show this only because the same method, fitted on earlier years, predicted 2021 to 2023 better than "no change" would have: its average miss was 25.18, against 49.72 for assuming no change. Treat it as a continuation of the recent pattern, not a forecast of events: it cannot see a recession, a policy change or a revision to the data.

See how a linear trend forecast works and the guide on forecasting without fooling yourself.

What this measures

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.

Limitations: For many countries data cover the total number of deposit accounts due to lack of information on account holders.

Regional and income-group figures are computed by the World Bank as a median.

All 17 values

Depositors with commercial banks (per 1,000 adults) in nearby economies

• Afghanistan — 199.74 (2019)
• Djibouti — 160.11 (2024)
• Egypt, Arab Rep. — 420.76 (2024)
• Israel — 1,098 (2024)
• Kuwait — 1,252 (2024)
• Lebanon — 440.82 (2024)
• Malta — 1,449 (2024)
• Pakistan — 617.49 (2024)
• Qatar — 956.65 (2021)
• Saudi Arabia

More financial sector data for Pre-demographic dividend

• Inflation, GDP deflator (annual % growth) — 4% (2025)
• Domestic credit to private sector by banks (% of GDP) — 15.19% (2023)
• Broad money (% of GDP) — 34.53% (2024)
• Monetary sector credit to private sector (% of GDP) — 15.26% (2023)
• Claims on central government, etc. (% of GDP) — 8.95% (2023)
• Domestic credit to private sector (% of GDP) — 15.43% (2023)
• Inflation, consumer prices (annual % growth) — 3.28% (2025)
• Stocks traded, turnover ratio of domestic shares (%) — 2.45% (2024)

Reading data like this

• Where to find free public data, and how to check it before you trust it — 2 min read
• Data analysis examples: 6 worked from one dataset — 3 min read
• Real change or random noise? A plain guide to reading your numbers — 2 min read

Questions people ask

What is Pre-demographic dividend's depositors with commercial banks (per 1,000 adults)?

238.43 in 2023, according to the World Bank (World Development Indicators).

How has it changed since 2007?

It is up 291.83% from 60.85 in 2007 (8.91% a year on average, compounded). The highest value was 245.18 in 2022 and the lowest 60.85 in 2007.

Source

World Bank, World Development Indicators, indicator FB.CBK.DPTR.P3, licensed CC BY 4.0. Original source: Financial Access Survey, International Monetary Fund (IMF), uri: https://data.imf.org/en/datasets/IMF.STA:FAS Figures are fetched from the World Bank API and refreshed monthly; see the series on data.worldbank.org. The full definition and method are in the World Bank's metadata glossary. Comparisons use the same World Bank release.

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