World Bank Group · Firms with a Bank Loan or Line of Credit
Firms with a bank loan by country
What share of firms can borrow from a bank?
Israel placed first of the 170 countries compared in the 2025 edition, at 88.5178%, and Pakistan last, at 2.1131%. In the middle country the figure was 36.2327%. 9 readings from before 2015 are listed but not compared.
Share
Firms with a bank loan · the 2025 edition
Key statistic · Economy & Innovation
Highest of 170Israel
88.5178%01the 2025 edition · position · derived
Who leads
The three countries at the highest end of 170 compared, the three at the other end, and the first on each continent.
1Photo: Yaniv Ben-Arie derivative work: ויקיג'אנקי · CC BY-SA 2.0, greyscale
2Photo: JurriaanH · CC BY-SA 3.0, greyscale
3Photo: Alexandre Buisse ( ) · CC BY-SA 3.0, greyscale
02Every measured country
Firms with a bank loan on a map
Each country is shaded by its value, in five groups holding the same number of countries. Hover a country for its value, or select it to open its profile. Below the map, each continent’s middle country.
Darker is a higher value — the better end.
- 2.1131–17.3030%
- 17.5647–29.2565%
- 29.4924–42.3883%
- 42.5148–52.9642%
- 53.3460–88.5178%
- Hatched: a reading from before 2015, listed but not compared (9)
- No reading in the 2025 edition
- Americas
49.5185%
the middle country, of 28 measured · 48 members
Chile82.7200%
Barbados26.9274%Highest and lowest reading in Americas.
- Europe
46.3012%
the middle country, of 40 measured · 49 members
Germany77.4149%
Ukraine22.1176%Highest and lowest reading in Europe.
- Oceania
38.7383%
the middle country, of 9 measured · 21 members
Australia63.0082%
Tonga12.8194%Highest and lowest reading in Oceania.
- Asia
27.8376%
the middle country, of 43 measured · 52 members
Israel88.5178%
Pakistan2.1131%Highest and lowest reading in Asia.
- Africa
19.9864%
the middle country, of 50 measured · 55 members
Mauritius60.7868%
Zambia3.1083%Highest and lowest reading in Africa.
- Every region
22 sub-regions, highest middle country first
- Western Europe
66.3594%
the middle country, of 7 measured · 9 members
Germany77.4149%
Switzerland46.4020%Highest and lowest reading in Western Europe.
- South America
57.6524%
the middle country, of 10 measured · 12 members
Chile82.7200%
Suriname31.0292%Highest and lowest reading in South America.
- Central America
50.3911%
the middle country, of 8 measured · 8 members
Guatemala68.2571%
Panama43.8356%Highest and lowest reading in Central America.
- Eastern Asia
50.3843%
the middle country, of 5 measured · 8 members
Japan83.2138%
Hong Kong14.9281%Highest and lowest reading in Eastern Asia.
- Southern Europe
46.8143%
the middle country, of 13 measured · 17 members
Italy73.4384%
Albania22.7593%Highest and lowest reading in Southern Europe.
- Northern Europe
45.2014%
the middle country, of 10 measured · 13 members
Denmark68.7158%
United Kingdom30.2226%Highest and lowest reading in Northern Europe.
- Eastern Europe
39.0556%
the middle country, of 10 measured · 10 members
Hungary57.6597%Ukraine22.1176%Highest and lowest reading in Eastern Europe.
- Caribbean
37.4759%
the middle country, of 8 measured · 24 members
Saint Lucia57.5745%Barbados26.9274%Highest and lowest reading in Caribbean.
- Western Asia
36.8376%
the middle country, of 14 measured · 19 members
Israel88.5178%
Iraq2.2519%Highest and lowest reading in Western Asia.
- Southern Asia
36.1222%
the middle country, of 8 measured · 9 members
Nepal57.8473%Pakistan2.1131%Highest and lowest reading in Southern Asia.
- Eastern Africa
23.4512%
the middle country, of 17 measured · 19 members
Mauritius60.7868%Zambia3.1083%Highest and lowest reading in Eastern Africa.
- Southern Africa
23.1030%
the middle country, of 5 measured · 5 members
Namibia35.9521%
South Africa4.7810%Highest and lowest reading in Southern Africa.
- South-eastern Asia
21.7744%
the middle country, of 11 measured · 11 members
Thailand45.8868%
Timor-Leste8.3178%Highest and lowest reading in South-eastern Asia.
- Western Africa
18.8467%
the middle country, of 16 measured · 16 members
Togo47.2434%
Guinea4.8967%Highest and lowest reading in Western Africa.
- Central Asia
14.6992%
the middle country, of 5 measured · 5 members
Kazakhstan23.8602%
Uzbekistan12.2588%Highest and lowest reading in Central Asia.
- Middle Africa
12.4725%
the middle country, of 9 measured · 9 members
Cameroon52.2406%
Angola7.4309%Highest and lowest reading in Middle Africa.
- Australia and New Zealand
2 of 2 measured — too few for a middle: Australia, New Zealand.
Australia63.0082%
New Zealand52.9642%Highest and lowest reading in Australia and New Zealand.
- Melanesia
4 of 5 measured — too few for a middle: Fiji, Papua New Guinea, Solomon Islands, Vanuatu.
Fiji53.8007%
Vanuatu27.1480%Highest and lowest reading in Melanesia.
- Micronesia
1 of 7 measured — too few for a middle: Kiribati.
Kiribati16.1063%Highest and lowest reading in Micronesia.
- Northern Africa
3 of 6 measured — too few for a middle: Egypt, Morocco, Tunisia.
Tunisia32.0663%
Egypt7.0140%Highest and lowest reading in Northern Africa.
- Northern America
2 of 4 measured — too few for a middle: Canada, United States.
Canada56.4149%
United States33.8730%Highest and lowest reading in Northern America.
- Polynesia
2 of 7 measured — too few for a middle: Samoa, Tonga.
Samoa46.0257%Tonga12.8194%Highest and lowest reading in Polynesia.
03The whole field at once
The spread
170 countries, one dot each, on one scale — further right is a higher value. Half the countries are above 36.2327%; a quarter are above 48.5460%, and a quarter below 20.6025%. The bar in each row marks that continent’s middle country.
04All 179 ever measured
Every country
In order, highest value first. “=” marks a position shared with another country. World Bank Group ranks nobody on this measure; the position is derived here by ordering the published values. A low share does not always mean banks said no. It counts firms that have credit, not firms that wanted it, so an economy of firms that finance themselves reads the same as one where banks refuse them. And Enterprise Surveys cover only the formal private sector, which leaves out farms and informal businesses.
Showing 25 of 179 countries
Values for the 2025 edition.
05In this edition
Firms with a bank loan in records
The extremes of the statistic. A record reached by more than one country names none of them.
Highest reading
88.5178%
Firms with a bank loan or line of credit (%)
Lowest reading
2.1131%
Firms with a bank loan or line of credit (%)
06The measure
About firms with a bank loan
This is the share of private firms that hold a loan or a line of credit from a bank. Where account ownership asks whether adults can reach a bank, this asks whether businesses can borrow from one — the credit a firm needs to invest, hire and ride out a bad season.
What the number is: Firms with a bank loan or line of credit (%).
What it does not measure
It counts firms that hold credit, not firms that wanted it, so a firm with no need to borrow reads the same as one a bank refused. Farms and informal businesses are outside the survey.
07Where it fits
Connections
Its part in the Country Index, the statistics whose values line up most closely with it across countries, and others on the same subject.
In the Country Index
A key statistic for Economy & Innovation
“Whether businesses can borrow from the formal financial system — the firm-level counterpart to adults holding a bank account.”
- Edition used
- 2025 (data 2025)
- Countries
- 170
- Licence
- CC BY 4.0
Moves with
Where firms with a bank loan is higher, these tend to be higher too.
- Firms with Their Own WebsiteWorld Bank Group · 170 countries in commonρ 0.64
- Human Capital Wealth per CapitaWorld Bank Group · 145 countries in commonρ 0.63
- Inequality-adjusted Human Development IndexUNDP Human Development Report Office · 155 countries in commonρ 0.62
Moves against
Where firms with a bank loan is higher, these tend to be lower.
- Informal Employment RateILO · 89 countries in commonρ −0.65
- Average Household SizeUN DESA Population Division · 125 countries in commonρ −0.64
- Under-Five Mortality RateKeyUN IGME · 169 countries in commonρ −0.59
Rank correlation (ρ, from −1 to 1) across countries, on each statistic’s newest edition, out of 376 statistics sharing at least 80 countries with this one. Two statistics that move together do not cause each other.
08Keep reading
Explore further
The subject
The data, edition by edition
More from World Bank Group
09Questions
Firms with a bank loan: questions and answers
Which country has the highest firms with a bank loan?
Israel, at 88.5178%, among the 170 countries compared in the 2025 edition.
Which country has the lowest firms with a bank loan?
Pakistan, at 2.1131%, among the 170 countries compared in the 2025 edition.
How many countries does the Firms with a Bank Loan or Line of Credit cover?
170 in the 2025 edition, and 179 at least once across all editions.
What is the world average firms with a bank loan?
This site does not calculate a world average, which would depend on how countries are weighted. In the middle country of the 170 compared in the 2025 edition, the figure was 36.2327%.
Is this World Bank Group’s own ranking?
No. World Bank Group publishes the values but ranks nobody; the position on this page is derived by Nations Inquiry by ordering the published values, and equal values share a position.
How often is the Firms with a Bank Loan or Line of Credit published?
This site holds one edition, describing 2025.
Where does the data come from, and can I download it?
From World Bank Group, under CC BY 4.0. World Bank Enterprise Surveys via its indicator API (IC.FRM.BNKL.ZS). Taken as one reading per country, because each economy is surveyed only every few years. Every edition is on this site’s Datasets pages as a full table, and downloads as a CSV file with every value unrounded.
10Method
Sources, method and citation
Source
Firms with a Bank Loan or Line of Credit — World Bank Group
World Bank Enterprise Surveys via its indicator API (IC.FRM.BNKL.ZS). Taken as one reading per country, because each economy is surveyed only every few years.
Newest edition
Report year 2025Data year not recorded
Cite the source as: World Bank. Enterprise Surveys. Washington, DC: World Bank Group.
Licence: CC BY 4.0, checked 2026-09-26.
How this page reads the numbers
- World Bank Group ranks nobody on this measure. The position is derived by Nations Inquiry by ordering the published values; equal values share a position.
- Which end is better follows the publisher’s own reading of the measure.
- A country is named at an end only when it holds that value alone. Where several share it, the page says how many and names none first.
- The file gives each country’s most recent reading, so the rows are from different years. Readings from before 2015 are listed but left out of every comparison on this page.
- Values are stored exactly as published and trimmed only for display. “The middle country” is the median of the countries measured, not a world average.
The file itself, column by column — where it came from, what each column holds, and every edition as a CSV — is on its dataset page.
Photographs
The countries at the top of this statistic, from their profiles: Wikimedia Commons, shown in greyscale, each used under the licence named.
- Israel — Yaniv Ben-Arie derivative work: ויקיג'אנקי, CC BY-SA 2.0
- Japan — JurriaanH, CC BY-SA 3.0
- Chile — Alexandre Buisse ( ), CC BY-SA 3.0
Cite this page
Nations Inquiry (2026). Firms with a bank loan by country: Firms with a Bank Loan or Line of Credit, data from World Bank Group. https://nationsinquiry.com/statistics/firms-bank-loan