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

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

3

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

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

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

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

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

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

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