Financial Outlook of the OIC Member Countries 2016
15
this report are based on availability of data for OIC member countries. Furthermore, these
measures are among the basic ones mentioned in Cihak et al. (2012). Table 5 also gives Global
Financial Development Database (GFDD) codes to allow researchers to make their own
compilation of data and their own analysis.
Table 5: Selected Measures on OIC Member States
Panel A. Financial Access
Measure GFDD Code Definition
Bank Accounts per 1.000 Adults GFDD.AI.01 Number of depositors with commercial banks per 1,000
adults.
Bank Branches per 100,000
Adults
GFDD.AI.02 Number of commercial bank branches per 100,000 adults.
Account at a formal financial
institution (% age 15+)
GFDD.AI.05 The percentage of respondents with an account (self or
together with someone else) at a bank, credit union,
another financial institution (e.g., cooperative, microfinance
institution), or the post office (if applicable) including
respondents who reported having a debit card (% age 15+).
Saved any money in the past year
(% age 15+)
GFDD.AI.12 The percentage of respondents who report saving or setting
aside any money in the past 12 months (% age 15+).
Panel B. Financial Depth
Measure GFDD Code Definition
Domestic credit to private sector
(% of GDP)
GFDD.DI.14 Domestic credit to private sector refers to financial
resources provided to the private sector, such as through
loans, purchases of nonequity securities, and trade credits
and other accounts receivable, that establish a claim for
repayment. For some countries these claims include credit
to public enterprises.
Stock market capitalization to
GDP (%)
GFDD.DM.01 Total value of all listed shares in a stock market as a
percentage of GDP.
Stock market total value traded to
GDP (%)
GFDD.DM.02 Total value of all traded shares in a stock market exchange
as a percentage of GDP.
Panel C. Financial Efficiency
Measure GFDD Code Definition
Bank Lending-Deposit Spread
(%)
GFDD.EI.02 Difference between lending rate and deposit rate. Lending
rate is the rate charged by banks on loans to the private
sector and deposit interest rate is the rate offered by
commercial banks on three-month deposits.
Bank Return on Asset (ROA) (%,
after tax)
GFDD.EI.05 Commercial banks’ after-tax net income to yearly averaged
total assets.
Bank Return on Equity (ROE) (%,
after tax)
GFDD.EI.06 Commercial banks’ after-tax net income to yearly averaged
equity.
Panel D. Financial Stability
Measure GFDD Code Definition
Bank regulatory capital to risk-
weighted assets (%)
GFDD.SI.05 The capital adequacy of deposit takers. It is a ratio of total
regulatory capital to its assets held, weighted according to
risk of those assets.
Bank capital to total assets (%) GFDD.SI.03 Ratio of bank capital and reserves to total assets. Capital
and reserves include funds contributed by owners, retained
earnings, general and special reserves, provisions, and
valuation adjustments. Capital includes tier 1 capital (paid-
up shares and common stock), which is a common feature