EBA Finance

Quantifying laws and regulations for improved access to financial services

EBA finance indicators measure the quality of laws and regulations that promote access to financial services and support the development of agricultural enterprises.

The team is currently collecting updated and expanded information for 80 countries around the world and will publish this data in 2019. For more information or to share your expertise, contact Julia Constanze Braunmiller (Team Leader), at ebafinance@worldbankgroup.org.

Recent Documents


Summary of Data Collected in 2016-2017

Click below for more detailed information about each country's laws and regulations on finance.

(*) Countries that are identified as high level of financial inclusion are not measured under Microfinance Institutions indicator and Agent banking indicators. Please refer to Methodology page for information on the calculation to determine the threshold of high level of financial inclusion.

Economy EBA Finance - Rank EBA Finance - DTF Branchless Banking - Agent banking index (0 - 5) Branchless Banking - E-money index (0 - 4) Movable Collateral - Warehouse receipts index (0 - 5) Movable Collateral - Doing Business - Getting Credit index (0 - 8) Non-bank Lending Institutions - Microfinance institutions index (0 - 7) Non-bank Lending Institutions - Financial cooperatives index (0 - 7)
Armenia 52 35.86 0.0 3.8 0.0 4.0 0.0 5.0
Bangladesh 23 56.71 4.7 1.0 3.5 3.0 4.0 4.0
Benin 41 43.35 0.0 3.8 0.0 4.0 4.0 4.0
Bolivia 13 67.48 0.0 3.7 4.5 3.0 6.0 7.0
Bosnia and Herzegovina 60 23.33 0.0 0.0 3.3 6.0 0.0 0.0
Burkina Faso 41 43.35 0.0 3.8 0.0 4.0 4.0 4.0
Burundi 59 23.51 0.0 0.0 0.0 1.0 5.0 4.0
Cambodia 48 40.95 3.6 0.0 0.0 7.0 6.0 0.0
Cameroon 51 36.31 0.0 1.0 0.0 4.0 5.0 5.0
Chile 46 42.62 0.0 1.0 3.5 6.0 0.0 6.0
Colombia 1 92.10 4.5 3.7 5.0 8.0 5.0 7.0
Côte d'Ivoire 18 60.37 0.0 3.9 5.0 4.0 4.0 4.0
Denmark 37 45.83 N/A 3.8 0.0 7.0 N/A 0.0
Egypt, Arab Rep. 56 29.64 0.0 1.0 3.0 4.0 0.0 3.0
Ethiopia 27 52.96 4.6 0.0 5.0 1.0 4.0 4.0
Georgia 39 44.11 0.0 2.0 3.5 7.0 0.0 4.0
Ghana 16 62.43 4.2 3.5 0.0 6.0 4.0 5.0
Greece 4 85.83 N/A 3.8 4.5 3.0 N/A 7.0
Guatemala 24 55.89 4.5 1.0 4.5 7.0 0.0 3.0
Haiti 54 32.65 3.7 1.0 0.0 2.0 0.0 5.0
India 15 66.10 4.9 3.8 5.0 5.0 0.0 3.0
Italy 6 81.07 N/A 3.8 4.5 3.0 N/A 6.0
Jordan 62 4.17 0.0 1.0 0.0 0.0 0.0 0.0
Kazakhstan 50 36.73 0.0 1.0 4.5 5.0 0.0 3.0
Kenya 10 74.33 4.2 4.0 0.0 5.0 7.0 7.0
Korea, Rep. 12 67.88 N/A 2.2 3.3 5.0 N/A 6.0
Kyrgyz Republic 8 78.61 4.1 3.5 3.5 6.0 5.0 6.0
Lao PDR 47 41.07 0.0 1.0 0.0 4.0 6.0 6.0
Liberia 35 46.13 0.0 4.0 0.0 5.0 4.0 4.0
Malawi 20 58.27 2.5 3.8 0.0 5.0 5.0 5.0
Malaysia 28 52.15 4.4 3.8 0.0 6.0 0.0 4.0
Mali 41 43.35 0.0 3.8 0.0 4.0 4.0 4.0
Mexico 9 76.54 4.2 0.0 4.5 8.0 6.0 7.0
Morocco 57 29.00 2.6 1.0 3.0 3.0 0.0 0.0
Mozambique 25 55.10 3.9 1.0 3.8 2.0 4.0 5.0
Myanmar 61 22.92 0.0 1.0 0.0 1.0 3.0 4.0
Nepal 34 46.31 3.6 1.0 0.0 3.0 4.0 6.0
Netherlands 17 61.31 N/A 2.8 2.5 3.0 N/A 5.0
Nicaragua 36 45.94 3.6 1.0 4.3 3.0 0.0 4.0
Niger 45 43.01 0.0 3.8 0.0 4.0 4.0 4.0
Nigeria 22 57.21 3.7 3.8 0.0 6.0 4.0 3.0
Peru 2 86.67 4.3 3.7 5.0 8.0 7.0 3.0
Philippines 33 48.38 0.0 3.6 4.5 2.0 0.0 6.0
Poland 21 58.08 4.1 3.8 0.0 7.0 0.0 6.0
Romania 11 72.41 3.4 3.8 5.0 7.0 0.0 6.0
Russian Federation 38 45.77 3.6 1.0 3.5 4.0 0.0 4.0
Rwanda 7 80.63 3.7 3.9 3.5 8.0 5.0 5.0
Senegal 41 43.35 0.0 3.8 0.0 4.0 4.0 4.0
Serbia 40 43.75 0.0 4.0 5.0 5.0 0.0 0.0
Spain 3 86.67 N/A 3.8 3.5 5.0 N/A 7.0
Sri Lanka 58 28.67 0.0 3.7 0.0 3.0 0.0 3.0
Sudan 53 33.93 0.0 2.0 0.0 2.0 5.0 4.0
Tajikistan 55 32.14 0.0 1.0 0.0 2.0 7.0 3.0
Tanzania 5 84.85 4.1 3.7 4.5 6.0 6.0 6.0
Thailand 29 52.11 3.4 3.5 3.8 2.0 0.0 4.0
Turkey 32 49.06 0.0 3.4 5.0 3.0 0.0 5.0
Uganda 31 50.30 0.0 1.0 5.0 5.0 5.0 3.0
Ukraine 26 53.27 3.1 1.0 5.0 6.0 0.0 4.0
Uruguay 19 59.07 3.7 3.5 4.3 3.0 0.0 5.0
Vietnam 30 51.19 0.0 3.0 0.0 6.0 5.0 6.0
Zambia 14 66.22 0.0 3.8 5.0 6.0 5.0 4.0
Zimbabwe 49 38.75 0.0 0.0 3.5 5.0 4.0 3.0