Notes: CCODE, Habitat for Humanity

Notes: Mortgage default insurance is not available, however credit life assurance provides relief when a mortgage owner dies but not when he/she defaults. The typical product is insuring the borrower's life to protect the mortgage (funds used to liquidate or reduce loan amount upon death of borrower)

Notes: SACCOS

Notes: Total Capital

Notes: CCODE, Habitat for Humanity

Notes: CCODE, Habitat for Humanity

Notes: CCODE, Habitat for Humanity

Notes: CCODE, Habitat for Humanity

Notes: CCODE, Habitat for Humanity

Notes: CCODE, Habitat for Humanity

Notes: CCODE, Habitat for Humanity

Notes: CCODE, Habitat for Humanity

Notes: CCODE, Habitat for Humanity

Notes: CCODE, Habitat for Humanity

Notes: CCODE, Habitat for Humanity

Notes: CCODE, Habitat for Humanity

Notes: CCODE, Habitat for Humanity

Notes: CCODE, Habitat for Humanity

Notes: CCODE, Habitat for Humanity

Notes: CCODE, Habitat for Humanity

Notes: CCODE, Habitat for Humanity

Notes: CCODE, Habitat for Humanity

Notes: CCODE, Habitat for Humanity

Notes: CCODE, Habitat for Humanity

Notes: CCODE, Habitat for Humanity

Notes: CCODE, Habitat for Humanity

Notes: CCODE, Habitat for Humanity

Notes: CCODE, Habitat for Humanity

Notes: Data is only available for 2013 as only one labour force survey has been conducted in Malawi

Notes: Data is only available for 2013 as only one labour force survey has been conducted in Malawi

Notes: NBS guarantees repayment of mortgage loans to NICO Life Insurance Company for its staff. Staff mortgages and all mortgages securities are registered in the Bank's favour.

Notes: NBS guarantees repayment of mortgage loans to NICO Life Insurance Company for its staff. Staff mortgages and all mortgages securities are registered in the Bank's favour.

Notes: NBS guarantees repayment of mortgage loans to NICO Life Insurance Company for its staff. Staff mortgages and all mortgages securities are registered in the Bank's favour.

Notes: NBS guarantees repayment of mortgage loans to NICO Life Insurance Company for its staff. Staff mortgages and all mortgages securities are registered in the Bank's favour.

Notes: NBS guarantees repayment of mortgage loans to NICO Life Insurance Company for its staff. Staff mortgages and all mortgages securities are registered in the Bank's favour.

Notes: NBS guarantees repayment of mortgage loans to NICO Life Insurance Company for its staff. Staff mortgages and all mortgages securities are registered in the Bank's favour.

Notes: NBS guarantees repayment of mortgage loans to NICO Life Insurance Company for its staff. Staff mortgages and all mortgages securities are registered in the Bank's favour.

Notes: NBS guarantees repayment of mortgage loans to NICO Life Insurance Company for its staff. Staff mortgages and all mortgages securities are registered in the Bank's favour.

Notes: NBS guarantees repayment of mortgage loans to NICO Life Insurance Company for its staff. Staff mortgages and all mortgages securities are registered in the Bank's favour.

Notes: NBS guarantees repayment of mortgage loans to NICO Life Insurance Company for its staff. Staff mortgages and all mortgages securities are registered in the Bank's favour.

Notes: NBS guarantees repayment of mortgage loans to NICO Life Insurance Company for its staff. Staff mortgages and all mortgages securities are registered in the Bank's favour.

Notes: NBS guarantees repayment of mortgage loans to NICO Life Insurance Company for its staff. Staff mortgages and all mortgages securities are registered in the Bank's favour.

Notes: NBS guarantees repayment of mortgage loans to NICO Life Insurance Company for its staff. Staff mortgages and all mortgages securities are registered in the Bank's favour.

Notes: NBS guarantees repayment of mortgage loans to NICO Life Insurance Company for its staff. Staff mortgages and all mortgages securities are registered in the Bank's favour.

Notes: NBS guarantees repayment of mortgage loans to NICO Life Insurance Company for its staff. Staff mortgages and all mortgages securities are registered in the Bank's favour.

Notes: NBS guarantees repayment of mortgage loans to NICO Life Insurance Company for its staff. Staff mortgages and all mortgages securities are registered in the Bank's favour.

Notes: NBS guarantees repayment of mortgage loans to NICO Life Insurance Company for its staff. Staff mortgages and all mortgages securities are registered in the Bank's favour.

Notes: NBS guarantees repayment of mortgage loans to NICO Life Insurance Company for its staff. Staff mortgages and all mortgages securities are registered in the Bank's favour.

Notes: NBS guarantees repayment of mortgage loans to NICO Life Insurance Company for its staff. Staff mortgages and all mortgages securities are registered in the Bank's favour.

Notes: NBS guarantees repayment of mortgage loans to NICO Life Insurance Company for its staff. Staff mortgages and all mortgages securities are registered in the Bank's favour.

Notes: NBS guarantees repayment of mortgage loans to NICO Life Insurance Company for its staff. Staff mortgages and all mortgages securities are registered in the Bank's favour.

Notes: NBS guarantees repayment of mortgage loans to NICO Life Insurance Company for its staff. Staff mortgages and all mortgages securities are registered in the Bank's favour.

Notes: NBS guarantees repayment of mortgage loans to NICO Life Insurance Company for its staff. Staff mortgages and all mortgages securities are registered in the Bank's favour.

Notes: NBS guarantees repayment of mortgage loans to NICO Life Insurance Company for its staff. Staff mortgages and all mortgages securities are registered in the Bank's favour.

Notes: NBS guarantees repayment of mortgage loans to NICO Life Insurance Company for its staff. Staff mortgages and all mortgages securities are registered in the Bank's favour.

Notes: Number of banks providing mortgage loans (not including other players providing housing related loans)

Notes: Number of banks providing mortgage loans (not including other players providing housing related loans)

Notes: Number of banks providing mortgage loans (not including other players providing housing related loans)

Notes: Number of banks providing mortgage loans (not including other players providing housing related loans)

Notes: Number of banks providing mortgage loans (not including other players providing housing related loans)

Notes: Number of banks providing mortgage loans (not including other players providing housing related loans)

Notes: Number of banks providing mortgage loans (not including other players providing housing related loans)

Notes: Number of banks providing mortgage loans (not including other players providing housing related loans)

Notes: Number of banks providing mortgage loans (not including other players providing housing related loans)

Notes: Number of banks providing mortgage loans (not including other players providing housing related loans)

Notes: Reserve Bank does not have data on the number of mortgage loans provided in a given year, and the banks did not want to provide this information.

Notes: Reserve Bank does not have data on the number of mortgage loans provided in a given year, and the banks did not want to provide this information.

Notes: Reserve Bank does not have data on the number of mortgage loans provided in a given year, and the banks did not want to provide this information.

Notes: Reserve Bank does not have data on the number of mortgage loans provided in a given year, and the banks did not want to provide this information.

Notes: Reserve Bank does not have data on the number of mortgage loans provided in a given year, and the banks did not want to provide this information.

Notes: Reserve Bank does not have data on the number of mortgage loans provided in a given year, and the banks did not want to provide this information.

Notes: Reserve Bank does not have data on the number of mortgage loans provided in a given year, and the banks did not want to provide this information.

Notes: Reserve Bank does not have data on the number of mortgage loans provided in a given year, and the banks did not want to provide this information.

Notes: Reserve Bank does not have data on the number of mortgage loans provided in a given year, and the banks did not want to provide this information.

Notes: Reserve Bank does not have data on the number of mortgage loans provided in a given year, and the banks did not want to provide this information.

Notes: Reserve Bank does not have data on the number of mortgage loans provided in a given year, and the banks did not want to provide this information.

Notes: Reserve Bank does not have data on the number of mortgage loans provided in a given year, and the banks did not want to provide this information.

Notes: Reserve Bank does not have data on the number of mortgage loans provided in a given year, and the banks did not want to provide this information.

Notes: Reserve Bank does not have data on the number of mortgage loans provided in a given year, and the banks did not want to provide this information.

Notes: Reserve Bank does not have data on the number of mortgage loans provided in a given year, and the banks did not want to provide this information.

Notes: Reserve Bank does not have data on the number of mortgage loans provided in a given year, and the banks did not want to provide this information.

Notes: Reserve Bank does not have data on the number of mortgage loans provided in a given year, and the banks did not want to provide this information.

Notes: Reserve Bank does not have data on the number of mortgage loans provided in a given year, and the banks did not want to provide this information.

Notes: Reserve Bank does not have data on the number of mortgage loans provided in a given year, and the banks did not want to provide this information.

Notes: Reserve Bank does not have data on the number of mortgage loans provided in a given year, and the banks did not want to provide this information.

Notes: Reserve Bank does not have data on the number of mortgage loans provided in a given year, and the banks did not want to provide this information.

Notes: Reserve Bank does not have data on the number of mortgage loans provided in a given year, and the banks did not want to provide this information.

Notes: Reserve Bank does not have data on the number of mortgage loans provided in a given year, and the banks did not want to provide this information.

Notes: Reserve Bank does not have data on the number of mortgage loans provided in a given year, and the banks did not want to provide this information.

Notes: Reserve Bank does not have data on the number of mortgage loans provided in a given year, and the banks did not want to provide this information.

Notes: SACCOS

Notes: SACCOS

Notes: SACCOS

Notes: SACCOS

Notes: SACCOS

Notes: SACCOS

Notes: SACCOS

Notes: SACCOS

Notes: SACCOS

Notes: SACCOS

Notes: SACCOS

Notes: SACCOS

Notes: SACCOS

Notes: SACCOS

Notes: SACCOS

Notes: SACCOS

Notes: SACCOS

Notes: SACCOS

Notes: SACCOS

Notes: SACCOS

Notes: SACCOS

Notes: SACCOS

Notes: SACCOS

Notes: SACCOS

Notes: Select Financial Services

Notes: Select Financial Services

Notes: Select Financial Services

Notes: Select Financial Services

Notes: Select Financial Services

Notes: Select Financial Services

Notes: Select Malawi is the key player in housing micro-finance. Their products include incremental housing loan (loan term 18-48 months; loan range MK 30,000-1,000,000) and home improvement loan (loan term 3-12 months loan range MK 20,000-500,000).

Notes: Select Malawi is the key player in housing micro-finance. Their products include incremental housing loan (loan term 18-48 months; loan range MK 30,000-1,000,000) and home improvement loan (loan term 3-12 months loan range MK 20,000-500,000).

Notes: Select Malawi is the key player in housing micro-finance. Their products include incremental housing loan (loan term 18-48 months; loan range MK 30,000-1,000,000) and home improvement loan (loan term 3-12 months loan range MK 20,000-500,000).

Notes: Select Malawi is the key player in housing micro-finance. Their products include incremental housing loan (loan term 18-48 months; loan range MK 30,000-1,000,000) and home improvement loan (loan term 3-12 months loan range MK 20,000-500,000).

Notes: Select Malawi only offers products to civil servants or employees of selected private companies. Other players in the housing MF sector target more vulnerable groups

Notes: Select Malawi only offers products to civil servants or employees of selected private companies. Other players in the housing MF sector target more vulnerable groups

Notes: Select Malawi only offers products to civil servants or employees of selected private companies. Other players in the housing MF sector target more vulnerable groups

Notes: Select Malawi only offers products to civil servants or employees of selected private companies. Other players in the housing MF sector target more vulnerable groups

Notes: Select Malawi only offers products to civil servants or employees of selected private companies. Other players in the housing MF sector target more vulnerable groups

Notes: Select Malawi only offers products to civil servants or employees of selected private companies. Other players in the housing MF sector target more vulnerable groups

Notes: Select Malawi only offers products to civil servants or employees of selected private companies. Other players in the housing MF sector target more vulnerable groups

Notes: Select Malawi only offers products to civil servants or employees of selected private companies. Other players in the housing MF sector target more vulnerable groups

Notes: Select Malawi only offers products to civil servants or employees of selected private companies. Other players in the housing MF sector target more vulnerable groups

Notes: Select Malawi only offers products to civil servants or employees of selected private companies. Other players in the housing MF sector target more vulnerable groups

Notes: Select Malawi only offers products to civil servants or employees of selected private companies. Other players in the housing MF sector target more vulnerable groups

Notes: Select Malawi only offers products to civil servants or employees of selected private companies. Other players in the housing MF sector target more vulnerable groups

Notes: Select Malawi only offers products to civil servants or employees of selected private companies. Other players in the housing MF sector target more vulnerable groups

Notes: Select Malawi only offers products to civil servants or employees of selected private companies. Other players in the housing MF sector target more vulnerable groups

Notes: Select Malawi only offers products to civil servants or employees of selected private companies. Other players in the housing MF sector target more vulnerable groups

Notes: Select Malawi only offers products to civil servants or employees of selected private companies. Other players in the housing MF sector target more vulnerable groups

Notes: Select Malawi only offers products to civil servants or employees of selected private companies. Other players in the housing MF sector target more vulnerable groups

Notes: Select Malawi only offers products to civil servants or employees of selected private companies. Other players in the housing MF sector target more vulnerable groups

Notes: Select Malawi only offers products to civil servants or employees of selected private companies. Other players in the housing MF sector target more vulnerable groups

Notes: Select Malawi only offers products to civil servants or employees of selected private companies. Other players in the housing MF sector target more vulnerable groups

Notes: Select Malawi only offers products to civil servants or employees of selected private companies. Other players in the housing MF sector target more vulnerable groups

Notes: Select Malawi only offers products to civil servants or employees of selected private companies. Other players in the housing MF sector target more vulnerable groups

Notes: Select Malawi only offers products to civil servants or employees of selected private companies. Other players in the housing MF sector target more vulnerable groups

Notes: Select Malawi only offers products to civil servants or employees of selected private companies. Other players in the housing MF sector target more vulnerable groups

Notes: Select Malawi only offers products to civil servants or employees of selected private companies. Other players in the housing MF sector target more vulnerable groups

Notes: The 4 insurance companies provide life insurance, NOT mortgage default insurance

Notes: The 4 insurance companies provide life insurance, NOT mortgage default insurance

Notes: The 4 insurance companies provide life insurance, NOT mortgage default insurance

Notes: The 4 insurance companies provide life insurance, NOT mortgage default insurance

Notes: The 4 insurance companies provide life insurance, NOT mortgage default insurance

Notes: The 4 insurance companies provide life insurance, NOT mortgage default insurance

Notes: The 4 insurance companies provide life insurance, NOT mortgage default insurance

Notes: The 4 insurance companies provide life insurance, NOT mortgage default insurance

Notes: The 4 insurance companies provide life insurance, NOT mortgage default insurance

Notes: The 4 insurance companies provide life insurance, NOT mortgage default insurance

Notes: The average yearly exchange rate (424.90) was used

Notes: The Credit Reference Bureau Act was enacted fairly recently in 2010. Data on firms and individuals is not accessible and distributed whether positive or negative. The lack of formal identification documents in Malawi significantly hinders the implementation of a functioning credit scoring system as identification is necessary to access someone's past credit history. Additionally, there is a current law suit between one of the credit bureaus and the Reserve Bank over compliance of laws regarding the sharing and distribution of credit information.

Notes: The Credit Reference Bureau Act was enacted fairly recently in 2010. Data on firms and individuals is not accessible and distributed whether positive or negative. The lack of formal identification documents in Malawi significantly hinders the implementation of a functioning credit scoring system as identification is necessary to access someone's past credit history. Additionally, there is a current law suit between one of the credit bureaus and the Reserve Bank over compliance of laws regarding the sharing and distribution of credit information.

Notes: The Credit Reference Bureau Act was enacted fairly recently in 2010. Data on firms and individuals is not accessible and distributed whether positive or negative. The lack of formal identification documents in Malawi significantly hinders the implementation of a functioning credit scoring system as identification is necessary to access someone's past credit history. Additionally, there is a current law suit between one of the credit bureaus and the Reserve Bank over compliance of laws regarding the sharing and distribution of credit information.

Notes: The Credit Reference Bureau Act was enacted fairly recently in 2010. Data on firms and individuals is not accessible and distributed whether positive or negative. The lack of formal identification documents in Malawi significantly hinders the implementation of a functioning credit scoring system as identification is necessary to access someone's past credit history. Additionally, there is a current law suit between one of the credit bureaus and the Reserve Bank over compliance of laws regarding the sharing and distribution of credit information.

Notes: The Credit Reference Bureau Act was enacted fairly recently in 2010. Data on firms and individuals is not accessible and distributed whether positive or negative. The lack of formal identification documents in Malawi significantly hinders the implementation of a functioning credit scoring system as identification is necessary to access someone's past credit history. Additionally, there is a current law suit between one of the credit bureaus and the Reserve Bank over compliance of laws regarding the sharing and distribution of credit information.

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: The Reserve Bank does not have this type of data

Notes: This is the national average not median as the Office of Statistics did not have median values. Figures were only available for certain years.

Notes: This is the national average not median as the Office of Statistics did not have median values. Figures were only available for certain years.

Notes: This is the national average not median as the Office of Statistics did not have median values. Figures were only available for certain years.

Notes: This is the national average not median as the Office of Statistics did not have median values. Figures were only available for certain years.

Notes: This is the national average not median as the Office of Statistics did not have median values. Figures were only available for certain years.

Notes: This is the national average not median as the Office of Statistics did not have median values. Figures were only available for certain years.

Notes: This is the national average not median as the Office of Statistics did not have median values. Figures were only available for certain years.

Notes: This is the national average not median as the Office of Statistics did not have median values. Figures were only available for certain years.

Notes: This is the national average not median as the Office of Statistics did not have median values. Figures were only available for certain years.

Notes: This is the national average not median as the Office of Statistics did not have median values. Figures were only available for certain years.

Notes: Total Capital

Notes: Total Capital

Notes: Total Capital

Notes: Total Capital

Notes: Total Capital

Notes: Total Capital

Notes: Total Capital

Notes: Total Capital

Notes: Total Capital

Notes: Total Capital

Notes: Total Capital

Notes: Total Capital

Notes: Total Capital

Notes: Total Capital

Notes: Total Capital

Notes: Total Capital

Notes: Total Capital

Notes: Total Capital

Notes: Total Capital

Notes: Total Capital

Notes: Total Capital

Notes: Total Capital

Notes: Total Capital

Notes: Total Capital

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available

Notes: Unable to calculate growth in urban household income as yearly data on household income is not available