1 “...-deposit, wholesale funding, by contrast, lowers the rate of return on assets, although it can offer some...”

2 “... and deposit penetration are on par with the average in the East Asia and the Pacific (EAP) region. Access...”

3 “... add-on; a deposit interest rate ceiling; requirements for non-bank financial institutions to hold debt...”

4 “... investment, persistent elevated inflation, and bouts of exchange rate volatility have boosted reliance...”

5 “... in the Central Bank rate. The twelve month increase in credit slowed to 12 percent by July 2013 from 24 percent...”

6 “... annual growth rate and reached 22 percent of GDP, with loans in foreign currency reaching 7 percent...”

7 “... annual growth rate and reached 22 percent of GDP, with loans in foreign currency reaching 7 percent...”

8 “... percentages for over 150 countries. Across countries access is negatively correlated with poverty rates...”

9

10 “... build on this potential for market discipline by limiting the role of explicit deposit guarantees...”