financial access 2011 annex

1

ANNEX II. LIST OF FINANCIAL INCLUSION DATA COLLECTION EFFORTS AT

COUNTRY LEVEL (AS OF JUNE 2010) Country Responding Institution Departments Consulted (if any)

AIA Anguilla Eastern Caribbean Central Bank Bank Supervision, Statistics

HH Survey & Frequency No

Firm Survey & Frequency No

Institutions Survey & Frequency No

ARE United Arab

Emirates Central Bank of the UAE Banking Supervision and Examination Department




ARG Argentina Banco Central de la República Argentina

(BCRA) Research Management and Policy Planning

HH Survey & Frequency Yes—Semiannual, quarterly, or every two years

Agency for HH Survey National Institute of Statistics and Censuses (INDEC)—semiannual or quarterly. BCRA—Every two years

Firm Survey & Frequency Yes—Every two years

Agency for Firm Survey BCRA—Every two years. Secretariat for Small and Medium Enterprises, and Regional Development (SEPYME)—Map SME—quarterly

Institutions Survey & Frequency Yes—Annual, every two years

Agency for Institutions Survey BCRA Reporting System—Periodic reports. BCRA—Survey of financial institutions—every two years.

ARM Armenia Central Bank of Armenia Financial System Policy and Financial Stability

department

HH Survey & Frequency Yes—Irregular

Agency for HH Survey USAID Financial Sector Deepening Project—Assess public awareness, literacy, confidence, access, and usage of financial services, 2007–2008



ATG Antigua and

Barbuda Eastern Caribbean Central Bank Bank Supervision, Statistics




2

Country Responding Institution Departments Consulted (if any)

AUS Australia Australian Prudential Regulation

Authority ASIC




AUT Austria Financial Market Authority




AZE Azerbaijan Central Bank of the Republic of Azerbaijan

Banking Supervision


Agency for HH Survey CBA, Research and Statistics Department. Azerbaijan Micro-finance Association

Firm Survey & Frequency Yes—Irregular

Agency for Firm Survey Different agencies

Institutions Survey & Frequency Yes—Irregular

Agency for Institutions Survey CBA, Research and Statistics Department

BEL Belgium Comission Bancaire Financiere et des Assurances

HH Survey & Frequency Yes

Agency for HH Survey SPF Economie

Firm Survey & Frequency Yes

Agency for Firm Survey CEFIP (centre d'étude sur l'accès au financement des PME) et Banque Nationale (BNB)

Institutions Survey & Frequency Yes

Agency for Institutions Survey Banque nationale (BNB)

BGR Bulgaria Bulgarian National Bank International Relations, Statistics, Payment Systems Oversight


Agency for HH Survey National Statistical Institute (monthly surveys on household income, expenditures, and consumption)

Firm Survey & Frequency Yes—Annual

Agency for Firm Survey Bulgarian Small and Medium Enterprises Promotion Agency (annual reports review SME access to finance, among other issues, based on survey data)


Agency for Institutions Survey Bulgarian National Bank (quarterly surveys on bank lending practices, monthly statistics on the financial soundness of banks)

3


CAN Canada Office of the Superintendent of Financial Institutions

Finance Canada


Agency for HH Survey Statistics Canada


Agency for Firm Survey Statistics Canada

Institutions Survey & Frequency Yes—Annual

Agency for Institutions Survey Statistics Canada, Bank of Canada

CHE Switzerland Swiss Financial Market Supervisory

Authority (FINMA)



Agency for Firm Survey The KOF of ETH Zurich—Regular surveys on the macroeconomic environment including loan access by enterprises


CHL Chile Superintendencia de Bancos e

Instituciones financieras Department of Research and Public Relations


Agency for HH Survey Banco Central de Chile—Household Financial Survey


Agency for Firm Survey National Institute of Statistics (INE)—Annual National Industrial Survey (ENIA)


Agency for Institutions Survey Banco Central de Chile—Annual Bank Lending Survey

COL Colombia Superintendencia Financiera de

Colombia Analysis and Information Subdivision, Department of Research and Development—Policy Coordination Subdivision

HH Survey & Frequency Yes—Three or more years

Agency for HH Survey National Bureau of statistics


Agency for Firm Survey Association of Banks and Financial Institutions of Colombia, National Association of Financial Institutions


Agency for Institutions Survey By Form No. 398 ―Correspondents and Banca de las Oportunidades,‖ the Superintendency requested credit institutions to collect data at municipality level on services provided through correspondents and offices

4


CPV Cape Verde Banco de Cabo Verde (Central Bank of

Cape Verde) Department of Supervision and Financial System Stability


Agency for HH Survey National Institute of Statistics—INE


Agency for Firm Survey National Institute of Statistics—INE


Agency for Institutions Survey BCV

CRI Costa Rica Superintendencia General de Entidades Financieras

Standards, Technical Services


Agency for HH Survey General Directorate of Statistics and Censuses



CZE Czech Republic Czech National Bank Financial Market Regulation and Analyses Department., Consumer protection Department., and Czech Financial Arbitrator




DEU Germany Deutsche Bundesbank Statistics and Banking Supervision Department




DMA Dominica Eastern Caribbean Central Bank Bank Supervision, Statistics




DNK Denmark Danish Financial Supervisory Authority Banking Analysis Division




DOM Dominican

Republic Superintendencia de Bancos de la República Dominicana

Risk Management and Research, Consumer Protection, Standards




5


DZA Algeria Conseil de la Monnaie et du Crédit—Autorité monétaire

Directorate General for Research




ECU Ecuador Superintendenta de Bancos y Seguros del Ecuador

National Bureau of Research


Agency for HH Survey National Institute of Statistics and Censuses (National Household Income and Expenditure Survey of Urban Households, Survey of Living Conditions)


Agency for Firm Survey Red Financiera Rural


Agency for Institutions Survey Selected financial institutions

ESP Spain Banco de España Financial Institutions Department, Monetary and Financial Statistics Department, Claims Service


Agency for HH Survey Banco de España


Agency for Firm Survey Chamber of Commerce


Agency for Institutions Survey Eurosystem

EST Estonia Bank of Estonia Financial Stability Department




ETH Ethiopia National Bank of Ethiopia Bank Supervision Directorate and Microfinance Institutions Supervision Directorate


Agency for HH Survey Statistical Agency of Ethiopia


Agency for Firm Survey Statistical Agency of Ethiopia & Association of Ethiopian Microfinance Institutions


Agency for Institutions Survey Statistical Agency of Ethiopia & Association of Ethiopian Microfinance Institutions

FIN Finland Finnish Financial Supervisory Authority (FIN-FSA)

Conduct of Business Department, Institutional Supervision Department, General Secretariat

HH Survey & Frequency Yes—Annual

6


FIN (continued) Finnish Financial Supervisory Authority (FIN-FSA)


Agency for HH Survey Federation of Finnish Financial Services



Agency for Institutions Survey FIN-FSA

FRA France Commission bancaire—Autorité de Contrôle Purdentiel-Banque de France

SGCB, DECEI, DSPM

HH Survey & Frequency Yes—Every two years

Agency for HH Survey Financial Sector Advisory Committee at the Banque de France



GBR United Kingdom Financial Services Authority (FSA) Various


Agency for HH Survey Family Resources Survey—DWP


Agency for Firm Survey Informal work is conducted by the voluntary sector, e.g., banking project at Toynbee Hall

Institutions Survey & Frequency Yes—Every two years

Agency for Institutions Survey Survey of firms by the Financial Services Practitioner Panel on FSA’s performance

GEO Georgia National Bank of Georgia Methodology Division




GHA Ghana Bank of Ghana Banking Supervision Department


Agency for HH Survey Monetary Policy Committee (MPC) secretariat includes questions on access to finance in its consumer confidence survey


Agency for Firm Survey MPC secretariat includes this in its business survey regularly


GMB Gambia Central Bank of the Gambia Financial Supervision Department (FSD) and Micro Finance Department


7


GMB (continued) Central Bank of the Gambia Financial Supervision Department (FSD) and Micro Finance Department

Agency for HH Survey Research Department (BOP) Unit in collaboration with FSI


Agency for Firm Survey Research Department (BOP) Unit in collaboration with FSI


Agency for Institutions Survey Research Department (BOP) Unit in collaboration with FSI

GRC Greece Bank of Greece Statistics Department, Department for the Supervision

of Credit and Financial Institutions, Payment Systems Department


Agency for HH Survey Bank of Greece

Firm Survey & Frequency

Agency for Firm Survey


Agency for Institutions Survey Bank of Greece (issues related to the terms of lending to firms and individuals, on a quarterly basis)

GRD Grenada Eastern Caribbean Central Bank Bank Supervision, Statistics




GTM Guatemala Superintendencia de Bancos Integrated Risk Supervision, Banking Risk Supervision,

Information Technology and Research




HKG Hong Kong Hong Kong Monetary Authority




HND Honduras Banco Central de Honduras (BCH) y

Comisiòn Nacional de Bancos y Seguros (CNBS)

BCH International, Assistant Director of Research at CNBS


8


HND (continued) Banco Central de Honduras (BCH) y Comisiòn Nacional de Bancos y Seguros (CNBS)


Agency for HH Survey National Institute of Statistics (INE) (no module on financial access in the HH survey), Census and Survey Management


Agency for Firm Survey Department of Management of Economic Data of Central Bank of Honduras


HRV Croatia Croatian National Bank International Financial Institutions Department




HUN Hungary Hungarian Financial Supervisory Authority (not regulatory authority)

Supervisory Directorate, Supervisory Policies, and Analysis Directorate, Licensing and Enforcement Directorate, Consumer Protection Directorate, National Bank of Hungary, National Deposit Insurance Fund of Hungary


Agency for HH Survey Financial Capability Unit of MNB (National Bank of Hungary)



IDN Indonesia Bank Indonesia Directorate of Banking Research and Regulation


Agency for HH Survey Bank Indonesia


Agency for Firm Survey Bank Indonesia


Agency for Institutions Survey Bank Indonesia (commercial banks only)

IND India Reserve Bank of India Rural Planning and Credit Department, Department of Banking Operations and Development, Urban Banks Department, Department of Banking Supervision, Department of Non-Banking Supervision, Department of Statistics and Information Management, Customer Service Department


Agency for HH Survey RBI (a few selected villages)



9


IRN Iran Central Bank of the Islamic Republic of Iran

Credit Department; Statistics Department, Payment Systems Department, Off-site Supervision Department, On-site Supervision Department, Banking Regulation Department


Agency for HH Survey Statistics Department

Firm Survey & Frequency Yes—Three or more years

Agency for Firm Survey Statistics Department

Institutions Survey & Frequency Yes—Three or more years

Agency for Institutions Survey Statistics Department

ISR Israel Bank of Israel Banking Supervision, Financial Stability




ITA Italy Banca d’Italia Supervisory Regulations and Policies Department,

External Relations and General Affairs Department, Economic and Financial Statistics Department, Market and Payment Systems Oversight Department




JAM Jamaica Bank of Jamaica




Agency for Institutions Survey Bank of Jamaica (annual returns of supervised institutions)

JOR Jordan Central Bank of Jordan Banking Supervision




JPN Japan Financial Services Agency Office of International Affairs




10


KEN Kenya Central Bank of Kenya Bank Supervision Department


Agency for HH Survey Central Bank of Kenya and Financial Sector Deepening (FSD Kenya)—First National Financial Access Survey at household level was done in 2006, and second was done in 2009



KGZ Kyrgyz Republic National Bank of Kyrgyz Republic Financial Management and Statistical Reporting, Office of Banking Supervision



Institutions Survey & Frequency Yes—Commercial banks only

KHM Cambodia National Bank of Cambodia Bank Supervision Department




KNA St. Kitts and Nevis

Eastern Caribbean Central Bank Bank Supervision, Statistics




KOR Korea Financial Services Commission & Financial Supervisory Service


Agency for HH Survey Korean Federation of Banks, Korea Life Insurance Association, and Korea Non-Life Insurance Association


Agency for Firm Survey Korean Federation of Banks, Korea Life Insurance Association, and Korea Non-Life Insurance Association


Agency for Institutions Survey Korean Federation of Banks, Korea Life Insurance Association, and Korea Non-Life Insurance Association

KWT Kuwait Central Bank of Kuwait Off-Site Supervision Department




11


LAO Lao PDR Bank of the Lao PDR Monetary Policy Department, banks, and FIS Supervision Department




LBN Lebanon Banque du Liban Department of Statistics and Department of Economic Research




LBR Liberia Central Bank of Liberia (CBL) Banking Supervision Department (BSD)


Agency for HH Survey Liberia Institution for Geo-Information Services (LISGIS)



LCA St. Lucia Eastern Caribbean Central Bank Bank Supervision, Statistics




LSO Lesotho Central Bank of Lesotho Supervision Dept (Central Bank), Research Dept (Central Bank), Data Protection (Ministry of Trade), The Ombudsman, Bureau of Statistics (Ministry of Finance and Development Planning), Standard Lesotho Bank, FNB, Nedbank, Lesotho PostBank


Agency for HH Survey Bureau of Statistics


Agency for Firm Survey Bureau of Statistics


Agency for Institutions Survey Bureau of Statistics

LTU Lithuania Bank of Lithuania Credit Institution Supervision, Statistics, Payment Systems, Economics


Agency for HH Survey Financial Stability Division, Economics Department, Bank of Lithuania




12


LTU (continued) Bank of Lithuania Credit Institution Supervision, Statistics, Payment Systems, Economics

Agency for Institutions Survey Financial Stability Division, Economics Department, Bank of Lithuania (semiannual)

LVA Latvia Financial and Capital Market Commission, Bank of Latvia, Ministry of Economics, Consumer Rights Protection Centre


Firm Survey & Frequency Yes—Every two years

Agency for Firm Survey Ministry of Economics


MAR Morocco BANK AL-MAGHRIB Directorate of Banking Supervision HH Survey & Frequency No


Agency for Firm Survey Bank Al-Maghrib


Agency for Institutions Survey Bank Al-Maghrib

MDA Moldova National Bank of Moldova Department of Monetary Policy and Research,

Department of Budget, Finance and Accounting, Department of Payment Systems, Department of Market Operations, Department of Regulation and Banking Supervision




MDG Madagascar Commission de Supervision Bancaire et

Financière General Secretariat of the Commission for Banking and Financial Supervision (On-Site Control Department, Directorate of Research and Regulation)


Agency for HH Survey National Coordination for Microfinance, UNDP

Firm Survey & Frequency


Institutions Survey & Frequency Yes—Three or more years

Agency for Institutions Survey National Coordination for Microfinance, UNDP

13


MEX Mexico Comisión Nacional Bancaria y de Valores (CNBV)

Vice Presidency of Regulatory Policy, Vice Presidency of Supervision of Development Banks and Popular Financial Societies, Vice Presidency of Supervision of Financial Intermediaries and Groups A, Vice Presidency of Supervision of Financial Intermediaries and Groups B, CONDUSEF: General Directorate for Promotion of Financial Literacy


Agency for HH Survey National Institute of Statistics (Household Expenditure Surveys). National Institute of Statistics and CNBV—Develop household financial access survey (project underway)


Agency for Firm Survey Banco de México. CNBV and Banco de México—Develop survey on financial services to companies (project underway)


Agency for Institutions Survey CNBV—Regulatory reporting of financial institutions CNBV—In-depth interviews with financial institutions (project underway)

MKD Macedonia National Bank of the Republic of

Macedonia




Agency for Institutions Survey NBRM performs quarterly Bank Lending Survey, similar to ECB survey (commercial banks only)

MNG Mongolia The Bank of Mongolia Monetary Policy and Research Department


Agency for HH Survey BOM in collaboration with the National University of Mongolia



MOZ Mozambique Banco de Moçambique Banking Supervision Department


Agency for HH Survey Ministry of Finance in coordination with Central Bank and National Institute of Statistics



14


MRT Mauritania Banque Centrale de Mauritanie Directorate General of Supervision




MSR Montserrat Eastern Caribbean Central Bank Bank Supervision, Statistics




MUS Mauritius Bank of Mauritius Supervision Department




MWI Malawi Reserve Bank of Malawi Bank Supervision Department: Supervision of Non-Bank Financial Institutions Department



Agency for Firm Survey Reserve Bank of Malawi, Ministry of Finance, National Support Unit, Ministry of Industry and Trade, Malawi Investment Promotion Agency (Balance of Payments & Investment Perception Survey)


Agency for Institutions Survey Reserve Bank of Malawi, Ministry of Finance, National Support Unit, Ministry of Industry and Trade, Malawi Investment Promotion Agency (Balance of Payments & Investment Perception Survey)

MYS Malaysia Bank Negara Malaysia (Central Bank of Malaysia)

Bank Negara Malaysia: Development Finance and Enterprise Department, Consumer and Market Conduct Department, Financial Sector Development Department, Corporate Communications Department, Payment System Policy Department, Malaysia Cooperative Commission


Agency for HH Survey Department of Statistics Malaysia

Firm Survey & Frequency Yes—Annual, three or more years

Agency for Firm Survey SME Corp, Malaysia


Agency for Institutions Survey Bank Negara Malaysia (monthly or quarterly statistical reporting to BNM by banks and development financial institutions)

15


NAM Namibia Bank of Namibia Banking Supervision




Agency for Institutions Survey Banking Supervision Department

NGA Nigeria BCEAO Directorate of Credit and Microfinance Institutions




NLD Netherlands De Nederlandsce Bank NV




NOR Norway Finanstilsynet (Financial Supervisory Authority of Norway)

Various




NPL Nepal Nepal Rastra Bank Bank and Financial Institution Regulation Department


Agency for HH Survey Nepal Rastra Bank



NZL New Zealand Reserve Bank of New Zealand Reserve Bank of New Zealand: Statistics Unit,

Ministry of Economic Development, Ministry of Consumer Affairs, New Zealand Bankers Association

HH Survey & Frequency Yes—Annual, every three years

Agency for HH Survey Retirement Commission (annual); Ministry of Consumer Affairs (three or more years)


Agency for Firm Survey Ministry of Economic Development and Statistics NZ


Agency for Institutions Survey Reserve Bank of New Zealand (quarterly for large institutions, annual for small institutions)

16


OMN Oman Central Bank of Oman Economic Research and Statistics Department




PAK Pakistan State Bank of Pakistan Microfinance Department, Consumer Protection Department, SME Finance Department, Statistics & Data Warehouse Department, Banking Policy & Regulations Department, Pakistan Microfinance Network


Agency for HH Survey Federal Bureau of Statistics, Ministry of Finance/Commerce, State Bank of Pakistan, Pakistan Microfinance Network


Agency for Firm Survey Gallup Pakistan


PER Peru Superintendencia de Banca, Seguros y AFP–SBS

Department of Regulation, Department of Analysis of Microfinance Institutions, Department of Analysis and Supervision of Customer Services

HH Survey & Frequency Yes—Three or more years, irregular

Agency for HH Survey Superintendencia de Banca, Seguros y AFP–Financial Literacy Survey (2009), Polling organizations and private consultants (e.g., SUPPORT), National Institute of Statistics and Informatics (INEI)


Agency for Firm Survey Polling organizations and private consultants


Agency for Institutions Survey Polling organizations and private consultants

PHL Philippines Bangko Sentral ng Pilipinas Office of the Managing Director—Central Supervisory Support Subsector, Financial Consumer Affairs Group, Office of Supervisory Policy Development, Supervisory Data Center, Inclusive Finance Advocacy Staff


Agency for HH Survey BSP (Consumer Finance Survey is in pilot stage as of early 2010)


Agency for Firm Survey BSP—Business Expectation Survey (Quarterly)


PNG Papua New Guinea

Bank of Papua New Guinea—Central Bank

Banking Supervision Department


17


PNG (continued) Firm Survey & Frequency No


POL Poland Ministry of Finance (MoF), Polish Financial Supervision Authority (FSA), Office of Competition and Consumer Protection (OCCP)

MoF—Financial Market Development Department; FSA—Financial Supervision Department; OCCP—Department of Consumer Policy


Agency for HH Survey OCCP—Department of International Relations and Communication



PRI Puerto Rico Comisionado de Instituciones Financieras

Financial Analysis




PRT Portugal Banco de Portugal Banking Supervision Department/Banking Conduct Supervision Division


Agency for HH Survey Banco de Portugal



Agency for Institutions Survey Banco de Portugal

PRY Paraguay Central Bank Financial Analysis and Standards




RUS Russia Central Bank of Russian Federation General Economic Department, Banking Regulation and Supervision Department, Settlements Regulation Department




RWA Rwanda Banque Nationale du Rwanda Financial Stability Directorate


Agency for HH Survey Banque Nationale du Rwanda via FINSCOPE



Agency for Institutions Survey Banque Nationale du Rwanda via FINSCOPE

18


SDN Sudan Central Bank of Sudan Banking Supervision Department




Agency for Institutions Survey Central Bank of Sudan

SGP Singapore Monetary Authority of Singapore Prudential Supervision Group, Market Conduct Group, SPRING Singapore (http://www.spring.gov.sg/Pages/Homepage.aspx)


Agency for HH Survey MoneySENSE national financial literacy survey of March 2005



SLE Sierra Leone Bank of Sierra Leone Banking Supervision


Agency for HH Survey Statistics Sierra Leone


Agency for Firm Survey Statistics Sierra Leone


Agency for Institutions Survey Statistics Sierra Leone

SLV El Salvador Banco Central de Reserva de El Salvador Department of Financial System Development, Department of Financial System Stability



Agency for Firm Survey Banco Central de Reserva de El Salvador


Agency for Institutions Survey Banco Central de Reserva de El Salvador

SRB Serbia National Bank of Serbia Supervision Department


Agency for HH Survey Credit Bureau


Agency for Firm Survey Credit Bureau


SVK Slovak Republic National Bank of Slovakia Licensing and Enforcement Department, Regulatory and Risk Management Methodology Department, Supervisory Department


Agency for HH Survey Statistical Office of SR


Agency for Firm Survey Statistical Office of SR


19


SVN Slovenia Banka Slovenije Financial Statistics, Banking Supervision Department




Agency for Institutions Survey

SWE Sweden Finansinspektionen Chief Economist’s Office




SWZ Swaziland Central Bank of Swaziland Financial Regulation




SYR Syria Central Bank of Syria Governor Office for Monetary Policy and Research Department


Agency for HH Survey Central Bureau of Statistics



Agency for Institutions Survey Central Bank of Syria

THA Thailand Bank of Thailand Financial Institution Strategy Department


Agency for HH Survey Financial Institutions Strategy Department


Agency for Firm Survey Domestic Economy Department


Agency for Institutions Survey Domestic Economy Department

TJK Tajikistan National Bank of Tajikistan Banking Supervision and Licensing, Legal Department, Office of Information Technology and Payment Systems, Office of Monetary Policy and Statistics




Agency for Institutions Survey Annual reporting

TUN Tunisia La Banque Centrale de Tunisie Directorate General for Banking Supervision



20


TUN (continued) Agency for Firm Survey Ministry of Development and International Cooperation


TUR Turkey Central Bank of the Republic of Turkey Banking and Financial Institutions Department


Agency for HH Survey CBRT


Agency for Firm Survey CBRT


Agency for Institutions Survey CBRT

TWN Taiwan Central Bank of the Republic of China

(Taiwan) Department of Financial Inspection



Agency for Firm Survey Central Bank


TZA Tanzania Bank of Tanzania Microfinance Supervision


Agency for HH Survey



UGA Uganda Bank of Uganda Commercial Banking and Non-Bank Financial Institutions


Agency for HH Survey Uganda Bureau of Statistics


Agency for Firm Survey Uganda Bureau of Statistics, Uganda Investment Authority, Bank of Uganda


Agency for Institutions Survey Bank of Uganda

URY Uruguay Banco Central del Uruguay Financial Regulation Research, Financial Regulation Standards, Payment Systems


Agency for HH Survey Statistics Institute



21


USA United States Federal Reserve Board of Governors Division of Consumer and Community Affairs; Division of Banking Supervision and Regulation; Division of Research and Statistics, Office of the Secretary


Agency for HH Survey Federal Reserve Board of Governors (Survey of Consumer Finances)



Agency for Institutions Survey Federal Reserve Board of Governors (Senior Loan Officer Opinion Survey on Bank Lending Practices conducted four times a year)

UZB Uzbekistan Central Bank Monetary Policy Department




VCT St. Vincent and

the Grenadines Eastern Caribbean Central Bank Bank Supervision, Statistics




VEN Venezuela Superintendencia de Bancos y Otras

Instituciones Financieras Technical General Manager


Agency for HH Survey National Institute of Statistics


Agency for Firm Survey National Institute of Statistics and the Central Bank


Agency for Institutions Survey Superintendencia de Banco y Otras Instituciones Financieras

VNM Vietnam State Bank of Vietnam Banking Supervision Agency and Monetary Statistics

and Forecasting Department


Agency for HH Survey Monetary Policy Department


Agency for Firm Survey Banking Supervision Agency


Agency for Institutions Survey Banking Supervision Agency

22


YEM Yemen Central Bank Of Yemen General Banking Department (Supervision Sector)




ZAF South Africa South African Reserve Bank Research, Bank Supervision




ZMB Zambia Bank of Zambia Bank Supervision and Non-Bank Financial Institutions

Supervision Departments


Agency for HH Survey FinMark Trust Household surveys—Irregular



ZWE Zimbabwe Reserve Bank of Zimbabwe Bank Licensing, Supervision and Surveillance




23

ANNEX III. NATIONAL DATA COLLECTION EFFORTS: SPECIFIC FOCUS ON MONITORING SME ACCESS TO

FINANCE (AS OF JUNE 2010)

KEY: R = Regular reporting, P = Periodic surveys of financial institutions, C = estimates from credit registry, I = Irregular

Country Responding Institution and Departments Consulted (if any) Monitor SME Lending Other Monitoring Agency

AFG Afghanistan Da Afghanistan Bank (Central Bank) R

Financial Supervision Department

Additional comments: Through quarterly reporting.

AIA Anguilla Eastern Caribbean Central Bank No No

Bank Supervision Department, Statistics Department

ALB Albania Bank of Albania I Yes: Ministry of Economy, Trade and Energy Supervision Department

ARE United Arab Emirates

Central Bank of the UAE No

Banking Supervision & Examination Department

ARG Argentina Banco Central de la República Argentina (BCRA) R, P, C

Research Management and Policy Planning Department

Additional comments: The Secretariat for SMEs and Regional Development (SEPYME), through the Directorate of National Financial Aid (DINAF), runs a series of programs and lines of work that focus on easing SME access to credit. BCRA also keeps track of developments in SME financing through information it collects.

ARM Armenia Central Bank of Armenia P

Financial System Policy and Financial Stability Department

Additional comments: Central Bank of Armenia (CBA) performs such a survey for internal use once a year.

ATG Antigua and Barbuda

Eastern Caribbean Central Bank No No

Bank Supervision, Statistics

AUS Australia Australian Prudential Regulation Authority R

ASIC

24


AUT Austria Financial Market Authority No No

AZE Azerbaijan Central Bank of the Republic of Azerbaijan I

Banking Supervision BDI Burundi Banque de la République du Burundi

Department of Banking Supervision and Microfinance Additional comments: The level of loans is generally monitored without making any distinctions in terms of the recipient.

BEL Belgium Comission Bancaire Financiere et des Assurances No Yes: Banque Nationale de Belgique (BNB),

CEFIP (Centre de Connaisances du Financement des PME)

Additional comments: Within BNB is the center for credit to businesses, which is responsible for collecting the data. CEFIP facilitates onsite access to information on SMEs financing.

BEN Benin BCEAO R, P, C

Directorate of Credit & Microfinance Institutions

BFA Burkina Faso BCEAO R, P, C


BGD Bangladesh Bangladesh Bank R, P

Statistics Department, Banking Regulation and Policy Department, Department of Financial Institutions and Market, SME & Special Programs Department of Bangladesh Bank; Microcredit Regulatory Authority; Grameen Bank

BGR Bulgaria Bulgarian National Bank (BNB) No No

International Relations, Statistics, Payment Systems Oversight

Additional comments: Lending to SMEs separately is not monitored by BNB. The Council of Ministers will approve the national strategy for promoting SMEs. The Ministry of Economy, Energy, and Tourism (MEET) will manage, coordinate, and control the implementation of the state policy for SMEs. Furthermore, a consultative council for promoting SMEs is established at MEET for coordinating the promotion of SMEs. The state can assist the promotion of SMEs within the framework of the budget of MEET with resources for projects and measures included in the national strategy for the promotion of SMEs and in the annual programs for its implementation. The Bulgarian SME Promotion Agency produces annual reports, where, along with other topics, the state of SME access to finance is reviewed, based on surveys, and BNB conducts quarterly surveys on bank lending practices.

25


BIH Bosnia and

Herzegovina Banking Agency of the Federation of Bosnia and Herzegovina R

Department for Supervision of Banks, Legal Support and Licensing Department, Department for Supervision of Microcredit Organizations, Department for Supervision of Lease Companies, R&D Department

Additional comments: There are no specific criteria used by the Federal Banking Agency (FBA) to define SMEs; commercial banks define SMEs

according to their internal policies and procedures. Banking Agency of Republika Srpska monitors level of lending to all enterprises, regardless of size.

BLR Belarus National Bank of Belarus I

General Directorate of Banking Supervision, General Directorate of the Balance of Payments and Banking Statistics, General Directorate of Regulation of Banking Operations, Main Legal Department; General Directorate of Payment Systems, Republican Association of Financial Mutuals

BOL Bolivia Autoridad de Supervisión del Sistema Financiero

Directorate of Research and Publications

Additional comments: Monitoring is based on the classification of credit types as commercial, consumer, mortgage, and housing.

BRA Brazil Banco Central do Brasil (Central Bank of Brazil) R, C

BWA Botswana Bank of Botswana No Yes: Ministry of Trade and Industry

Additional comments: The Bank of Botswana pays attention to SMEs and is currently updating statutory returns to facilitate regular monitoring.

CAN Canada Office of the Superintendent of Financial Institutions No

Finance Canada

CHE Switzerland Swiss Financial Market Supervisory Authority (FINMA) No Yes: Swiss National Bank

CHL Chile Superintendencia de Bancos e Instituciones financieras No Yes: Ministry of Economy

Department of Research and Public Relations

Additional comments: The Ministry of Economy conducts programs to extend lines of credit and/or credit guarantees to the financial institutions that operate in this segment. Agencies under the Ministry of Economy regularly assess this segment for development and evaluation of their various programs, whose benefits are channeled through the financial system to SMEs. SBIf (Superintendencia de Bancos e Instituciones financieras) performed some irregular monitoring of this segment.

26


CIV Cote d'Ivoire BCEAO R, P, C


COL Colombia Superintendencia Financiera de Colombia No Yes: Ministry of Industry and Trade

Analysis and Information Subdivision; Department of Research and Development—Policy Coordination Subdivision

Additional comments: Monitoring is done is through different portfolio types, not by size of company.

CPV Cape Verde Banco de Cabo Verde (Central Bank of Cape Verde) No No

Department of Supervision and Financial System Stability

CRI Costa Rica Superintendencia General de Entidades Financieras I Yes: Governing Council of Banking System Development Standards, Technical Services

Additional comments: The superintendent receives information related to credits to SMEs, and reports defaults of any loan portfolio every six

months.

CZE Czech Republic Czech National Bank (CNB) No No

Financial Market Regulation and Analyses Department, Consumer Protection Department, and Czech Financial Arbitrator

Additional comments: CNB collects monthly sectoral statistics about loans according to the ESA95 (European System of Accounts). These statistics contain data about loans to households and nonprofit institutions serving households, including data about loans to tradesmen for business purposes. However, assuming that SMEs are defined in line with Recommendation 2003/361/EC concerning the definition of micro-, small-, and medium-sized enterprise, the data about loans to tradesmen for business purposes only partially comply with data that would represent lending to SMEs.

DEU Germany Deutsche Bundesbank No

Statistics and Banking Supervision Department

DMA Dominica Eastern Caribbean Central Bank No No


DNK Denmark Danish Financial Supervisory Authority I No

Banking Analysis Division

Additional comments: The Danish Financial Supervisory Authority only monitors lending to SMEs on inspections and has no data specifically on SMEs.

27


DOM Dominican Republic

Superintendencia de Bancos de la República Dominicana I Yes: National Council for Promotion and Support to Micro, Small, and Medium Enterprises Risk Management and Research Department, Consumer Protection Department,

Standards Department

DZA Algeria Conseil de la Monnaie et du Crédit—Autorité monétaire R, P

Directorate General for Research

Additional comments: Banks and financial institutions report their positions monthly to the Bank of Algeria per the monthly accounting framework, which details credits in the annexes by sector, type of loan, and maturity.

ECU Ecuador Superintendenta de Bancos y Seguros del Ecuador R

National Bureau of Research

Additional comments: The Statistics Department of the Superintendent of Banking and Insurance regularly presents the evolution of credit from various financial institutions to SMEs in publications on microfinance. The latest reports are from January 2010 and are as follows: 1. Compendium of Microfinance 2. Volume of Microcredit 3. Microcredit Rating 4. Interest Rates

ESP Spain Banco de España No No

Financial Institutions Department, Monetary and Financial Statistics Department, Claims Service

EST Estonia Bank of Estonia P, I

Financial Stability Department

Additional comments: Estonian Financial Supervision Authority (EFSA) mainly monitors SMEs through IRB procedure and through regular

validation reports of IRB models (once a year). SMEs as are also monitored through single inquiry, as appropriate.

ETH Ethiopia National Bank of Ethiopia I

Bank Supervision Directorate and Microfinance Institutions Supervision Directorate

Additional comments: National Bank of Ethiopia monitors the level of lending to SMEs by each financial institution during onsite

investigations.

28


FIN Finland Finnish Financial Supervisory Authority (FIN-FSA) No


FRA France Commission bancaire—Autorité de Contrôle Prudentiel-Banque de France R, P SGCB, DECEI, DSPM

GBR United Kingdom Financial Services Authority No No

Various

GEO Georgia National Bank of Georgia R

Methodology Division

GHA Ghana Bank of Ghana No No


GIN Guinee Bissau BCEAO R, P, C


GMB Gambia Central Bank of the Gambia R, P

Financial Supervision Department & Microfinance Department

GRC Greece Bank of Greece No No

Statistics Department; Department for the Supervision of Credit and Financial Institutions; Payment Systems Department

Additional comments: Regular (monthly) reporting on the level of lending to SMEs will commence in June 2010

GRD Grenada Eastern Caribbean Central Bank No No


GTM Guatemala Superintendencia de Bancos R No

Integrated Risk Supervision, Banking Risk Supervision, Information Technology and Research

Additional comments: The Superintendent of Banks has information on loans to SMEs by regulated financial institutions.

29


HKG Hong Kong Hong Kong Monetary Authority Yes: The Hong Kong SAR Government

Additional comments: Bank lending to SMEs is currently not reported in the regular banking returns submitted to the Hong Kong Monetary Authority (HKMA). The Hong Kong SAR Government monitors the cumulative amount of loans approved under the government-administered SME funding schemes (e.g., the SME Loan Guarantee Scheme).

HND Honduras Banco Central de Honduras (BCH) y Comisiòn Nacional de Bancos y Seguros (CNBS)

I Yes: National Commission of Banking and Insurance (CNBS)


HRV Croatia Croatian National Bank No No

International Financial Institutions Department

HUN Hungary Hungarian Financial Supervisory Authority R

Supervisory Directorate, Supervisory Policies and Analysis Directorate, Licensing and Enforcement Directorate, Consumer Protection Directorate, National Bank of Hungary; National Deposit Insurance Fund of Hungary

IDN Indonesia Bank Indonesia R Yes: State Ministry for Cooperatives & SMEs Directorate of Banking Research and Regulation

IND India Reserve Bank of India R, P

Rural Planning and Credit Department, Department of Banking Operations and Development, Urban Banks Department, Department of Banking Supervision, Department of Non-Banking Supervision, Department of Statistics and Information Management, Customer Service Department

Additional comments: Lending to SMEs is monitored through the semiannual returns submitted by the banks to the Reserve Bank of India.

IRN Iran Central Bank of the Islamic Republic of Iran I

Credit Department, Statistics Department, Payment Systems Department, Off-site Supervision Department, On-site Supervision Department, Banking Regulation Department

ISR Israel Bank of Israel No No

Banking Supervision, Financial Stability

30


ITA Italy Banca d’Italia R

Supervisory Regulations and Policies Department, External Relations and General Affairs Department, Economic and Financial Statistics Department, Market and Payment Systems Oversight Department

JAM Jamaica Bank of Jamaica (BOJ) No

Additional comments: BOJ is in progress of developing a strategy for monitoring the level of business of SMEs.

JOR Jordan Central Bank of Jordan R

Banking Supervision

JPN Japan Financial Services Agency R

Office of International Affairs

KAZ Kazakhstan Research Agency of the Republic of Kazakhstan on Regulation and Supervision of Financial Market and Financial Institutions

R

Department of Strategy and Analysis, Department of Licensing and Consumer Protection

KEN Kenya Central Bank of Kenya R

Bank Supervision Department

Additional comments: A return capturing this information was introduced in September 2009.

KGZ Kyrgyz Republic National Bank of Kyrgyz Republic

Financial Management and Statistical Reporting, Office of Banking Supervision

KHM Cambodia National Bank of Cambodia R

Bank Supervision Department

KNA St. Kitts and Nevis Eastern Caribbean Central Bank No No


KOR Korea Financial Services Commission & Financial Supervisory Service R

LBN Lebanon Banque du Liban No Yes: Kafalat

Department of Statistics and Department of Economic Research

31


LBR Liberia Central Bank of Liberia (CBL) R

Banking Supervision Department (BSD)

LCA St. Lucia Eastern Caribbean Central Bank No No


LTU Lithuania Bank of Lithuania No Yes: Ministry of Economy

Credit Institution Supervision Department; Statistics Department, Payment Systems Department, Economics Department

LVA Latvia Financial and Capital Market Commission, Bank of Latvia, Ministry of

Economics, Consumer Rights Protection Centre R

Additional comments: The Financial and Capital Market Commission (FCMC) has access to credit registry, but it does not monitor specially the

lending to SMEs. MAR Morocco Bank Al-Maghrib R, P

Directorate of Banking Supervision

MDA Moldova National Bank of Moldova R

Department of Monetary Policy and Research, Department of Budget, Finance and Accounting, Department of Payment Systems, Department of Market Operations, Department of Regulation and Banking Supervision

MDG Madagascar Commission de Supervision Bancaire et Financière No

General Secretariat of the Commission for Banking and Financial Supervision (On-Site Control Department, Directorate of Research and Regulation)

Additional comments: Breakdown of loans reported does not explicitly include SMEs.

MEX Mexico Comisión Nacional Bancaria y de Valores (CNBV) I

Vice Presidency of Regulatory Policy, Vice Presidency of Supervision of Development Banks and Popular Financial Societies, Vice Presidency of Supervision of Financial Intermediaries and Groups A, Vice Presidency of Supervision of Financial Intermediaries and Groups B; CONDUSEF: General Directorate for Promotion of Financial Literacy

32


MEX (continued) CNBV

Additional comments: CNBV is working in coordination with other national and international organizations for conducting surveys for measurement and statistics, both on the demand (companies) and supply (financial intermediaries) side, to assess the conditions for SME access to finance and to identify the main barriers to finance on both the demand and the supply side.

MKD Macedonia National Bank of the Republic of Macedonia No

Additional comments: Level of lending is monitored for the overall banking system—by currency, maturity, sectors (nonfinancial legal entities, households, financial institutions), etc.

MLI Mali BCEAO R, P, C


MNG Mongolia Bank of Mongolia R

Monetary Policy and Research Department

MOZ Mozambique Banco de Moçambique No No


Additional comments: Banco de Moçambique monitors loan portfolio on aggregate basis. Loans to SMEs are not subject to specific monitoring.

MRT Mauritania Banque Centrale de Mauritanie R, P

Directorate General of Supervision

MSR Montserrat Eastern Caribbean Central Bank No No

Bank Supervision Department, Statistics Department

MUS Mauritius Bank of Mauritius

Supervision Department

Additional comments: No specific definition for SMEs.

MWI Malawi Reserve Bank of Malawi No No

Bank Supervision Department: Supervision of Non-Bank Financial Institutions Department

Additional comments: The call report does not contain specific line for SMEs.

33


MYS Malaysia Bank Negara Malaysia (Central Bank of Malaysia) R

Bank Negara Malaysia: Development Finance and Enterprise Department, Consumer and Market Conduct Department, Financial Sector Development Department, Corporate Communications Department, Payment System Policy Department; Malaysia Cooperative Commission

NAM Namibia Bank of Namibia No Yes: Namibia Financial Institutions Supervisory Authority (NAMFISA) Banking Supervision Department

NER Niger BCEAO R, P, C


NGA Nigeria Central Bank of Nigeria R

Other financial institutions, Financial Policy & Regulation, Monetary Policy NIC Nicaragua Superintendencia de Bancos y de Otras Instituciones Financieras (SIBOIF) No Yes: Ministry of Economy and Central

Bank Risk Management Department

Additional Comments: Superintendent of Banks and Other Financial Institutions (SIBOIF) only regulates and supervises these institutions. NLD Netherlands De Nederlandsce Bank NV R

Additional comments: Only for commercial banks.

NOR Norway Finanstilsynet (Financial Supervisory Authority of Norway) I

Various

NZL New Zealand Reserve Bank of New Zealand No No

Reserve Bank of New Zealand: Statistics Unit, Ministry of Economic Development, Ministry of Consumer Affairs, New Zealand Bankers Association

PAK Pakistan State Bank of Pakistan R

Microfinance Dept, Consumer Protection Dept, SME Finance Dept, Statistics and Data Warehouse Dept, Banking Policy and Regulations Dept; Pakistan Microfinance Network

34


PAK (continued) State Bank of Pakistan

Additional comments: Quarterly reporting and monitoring of data by SME Finance Department of the State Bank of Pakistan.

PAN Panama Superintendencia de Bancos de Panamá No

Bank Legal Department, Directorate of Financial Research, Directorate of Banking Regulation

Additional comments: The Superintendent of Banks of Panama only monitors licensed MFIs.

PER Peru Superintendencia de Banca, Seguros y Administradoras Privadas de Fondos de

Pensiones—SBS R, C

Department of Regulation, Department of Analysis of Microfinance Institutions, Department of Analysis and Supervision of Customer Services

Additional comments: The Deputy Superintendent of Risk (Credit Risk Department), the Deputy Superintendent of Banking and Microfinance,

and the Deputy Superintendent of Economic Research are responsible for continuously monitoring the risks to which banks could be exposed and the evolution of this trend and types of loans.

PHL Philippines Bangko Sentral ng Pilipinas R

Office of the Managing Director—Central Supervisory Support Subsector, Financial Consumer Affairs Group, Office of Supervisory Policy Development, Supervisory Data Center, Inclusive Finance Advocacy Staff

Additional comments: Subsection X342.6 of the Manual of Regulations for Banks (MORB) requires banks to submit on a quarterly basis their

report on compliance with the mandatory allocation of credit resources for micro, small, and medium enterprises.

POL Poland Ministry of Finance (MoF); Polish Financial Supervision Authority (FSA); Office

of Competition and Consumer Protection (OCCP) R

MoF—Financial Market Development Department; FSA—Financial Supervision Department, Consumer Protection Department; OCCP— Department of Consumer Policy

PRI Puerto Rico Comisionado de Instituciones Financieras No No

Financial Analysis Department

35


PRT Portugal Banco de Portugal C

Banking Supervision Department/Banking Conduct Supervision Division

Additional comments: Banco de Portugal is responsible for the Central Credit Register database where all entities (individuals and collective) with a credit account are registered.

RUS Russia Central Bank of Russian Federation R

General Economic Department, Banking Regulation and Supervision Department, Settlements Regulation Department

RWA Rwanda Banque Nationale du Rwanda No No

Financial Stability Directorate

Additional comments: Special monitoring of SME lending is not performed.

SDN Sudan Central Bank of Sudan R No


SEN Senegal BCEAO R, P, C


SGP Singapore Monetary Authority of Singapore (MAS) P

Prudential Supervision Group, Market Conduct Group; SPRING Singapore, http://www.spring.gov.sg/Pages/Homepage.aspx

Additional comments: The MAS SME Survey, which targets major players in SME financing, is conducted annually, with the last survey conducted in June 2009; hence the latest figures available are for Q1 2009.

SLE Sierra Leone Bank of Sierra Leone R

Banking Supervision

SLV El Salvador Banco Central de Reserva de El Salvador R Yes: National Commission for Micro and Small Enterprises (CONAMYPE) Department of Financial System Development; Department of Financial System

Stability

Additional comments: Based on information from financial statements that banks send to the Superintendent of Financial System (SSF). CONAMYPE conducts an annual survey which asks for SME lending.

SRB Serbia National Bank of Serbia No

Supervision Department

36


SVK Slovak Republic National Bank of Slovakia No No

Licensing and Enforcement Department, Regulatory and Risk Management Methodology Department, Supervisory Department

SVN Slovenia Banka Slovenije R, P

Financial Statistics, Banking Supervision Department

Additional comments: The Bank of Slovenia monitors the level of lending to all enterprises, including large enterprises.

SWE Sweden Finansinspektionen No

Chief Economist’s Office

SYR Syria Central Bank of Syria R

Governor Office for Monetary Policy & Research Department

TGO Togo BCEAO R, P, C


THA Thailand Bank of Thailand R, P

Financial Institution Strategy Department

TJK Tajikistan National Bank of Tajikistan R

Banking Supervision and Licensing; Legal Dept; Office of Information Technology and Payment Systems; Office of Monetary Policy and Statistics

TUN Tunisia La Banque Centrale de Tunisie R, P, C

Directorate General for Banking Supervision

Additional comments: Credit institutions are required monthly to report the outstanding commercial and personal loans by type of recipient to the Information Center of the Central Bank of Tunisia

TUR Turkey Central Bank of the Republic of Turkey (CBRT) R Yes: Banking Regulation and Supervision Agency (BRSA), Ministry of Industry and Commerce

Banking and Financial Institutions Department

Additional comments: Within the context of Financial Stability Report analysis, CBRT monitors the level of SME lending from the financial reporting packages of BRSA–CBRT.

TWN Taiwan Central Bank of the Republic of China (Taiwan) R Yes: Ministry of Economic Affairs, R.O.C. Department of Financial Inspection

37


UGA Uganda Bank of Uganda R, P

Commercial Banking and Non-Bank Financial Institutions

Additional comments: Bank of Uganda carries out onsite and offsite surveillance of regulated financial institutions as well as business confidence surveys.

URY Uruguay Banco Central del Uruguay R

Financial Regulation Research, Financial Regulation Standards, Payment Systems

USA United States Board of Governors of the Federal Reserve System No No

Division of Consumer and Community Affairs, Division of Banking Supervision and Regulation, Division of Research and Statistics, Office of the Secretary

Additional comments: The Federal Reserve collects information on outstanding balances of small loans (less than US$1 million original amount)

to businesses by commercial banks and thrifts.

UZB Uzbekistan Central Bank R No

Monetary Policy Department

VCT St. Vincent and the Grenadines

Eastern Caribbean Central Bank Bank Supervision, Statistics

No No

VEN Venezuela Superintendencia de Bancos y Otras Instituciones Financieras No Yes: National Institute for SMEs, Ministry of People’s Power for Communal Economy

Technical General Manager

YEM Yemen Central Bank of Yemen No

General Banking Department (Supervision Sector)

ZAF South Africa South African Reserve Bank R

Research, Bank Supervision Additional comments: South African Reserve Bank receives monthly statutory returns that contain information regarding SME Corporate and

SME Retail exposures. ZMB Zambia Bank of Zambia No Yes: Private Sector Development Program

under the Ministry of Commerce Trade and Industry

Bank Supervision and Non-Bank Financial Institutions Supervision Departments

38


ZWE Zimbabwe Reserve Bank of Zimbabwe R Yes: Ministry of Small and Medium Scale Enterprises Bank Licensing, Supervision and Surveillance

Additional comments: The Reserve Bank monitors lending that is done through banking institutions under its purview. Information on lending

by other development financial institutions such as SEDCO (Small Enterprises Development Company) or the Infrastructural Development Bank is not submitted to the Reserve Bank.

financial access 2011 annex

Economy & Finance