This indicator represents the density of banking relationships within a nation, calculated by multiplying the number of reported depositors by 1,000 and dividing that figure by the total adult population. It serves as a critical measure of financial inclusion, reflecting how accessible banking services are to the adult population. A higher value suggests that a significant portion of adults are engaged with formal banking institutions, highlighting the effectiveness of financial systems in promoting savings and economic participation. Conversely, lower values may indicate potential barriers to accessing financial services, such as geographic, socioeconomic, or regulatory challenges. This metric can inform policymakers about the effectiveness of financial literacy programs and the overall health of a country’s financial ecosystem. Source: