Household Sector Loan Accounts with Commercial Banks per 1,000 Adults in Zambia
Zambia: Household Sector Loan Accounts with Commercial Banks per 1,000 Adults was 31.42 in 2025. ◆ Volatile
Household Sector Loan Accounts with Commercial Banks per 1,000 Adults in Zambia, 2011–2025
Source: International Monetary Fund.
Analysis
The most recent figure for household sector loan accounts with commercial banks per 1,000 adults in Zambia is 31.42, measured in 2025.
The figure is down 26.0% on the previous year and up 16.6% over ten years.
Over the whole period, household sector loan accounts with commercial banks per 1,000 adults in Zambia peaked at 58.04 in 2023 and was at its lowest, 1.21, in 2011.
Zambia ranks 87th of 98 countries on this measure, in the bottom quarter.
The series is highly variable year to year, so single readings are best treated with caution.
Household Sector Loan Accounts with Commercial Banks per 1,000 Adults in Zambia, year by year
| Year | Value | Change |
|---|---|---|
| 2011 | 1.21 | — |
| 2012 | 1.59 | +32.1% |
| 2013 | 31.33 | +1864.5% |
| 2014 | 31.06 | -0.9% |
| 2015 | 26.94 | -13.3% |
| 2016 | 20.17 | -25.1% |
| 2017 | 18.59 | -7.8% |
| 2018 | 16.04 | -13.7% |
| 2019 | 18.18 | +13.3% |
| 2020 | 17.58 | -3.3% |
| 2021 | 26.08 | +48.3% |
| 2022 | 43.98 | +68.6% |
| 2023 | 58.04 | +32.0% |
| 2024 | 42.48 | -26.8% |
| 2025 | 31.42 | -26.0% |
Zambia compared with similar countries
- Zambia's 31.42 is below the median for lower middle income countries, which is 57.8, 54% of the median. (22 countries reporting)
- Zambia's 31.42 is below the median for Sub-Saharan Africa, which is 56.25, 56% of the median. (23 countries reporting)
Biggest year-on-year movements
Years where Household Sector Loan Accounts with Commercial Banks per 1,000 Adults in Zambia changed far more than this series normally does. A large move can be a real event or a change in how the figure was measured — the source note below says who published it.
| Year | Change | From | To |
|---|---|---|---|
| 2013 | +1864.5% | 1.59 | 31.33 |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2010s | 18.35 | 1.21 | 31.33 | 9 |
| 2020s | 36.59 | 17.58 | 58.04 | 6 |
Countries ranked near Zambia
More financial sector data for Zambia
- Net domestic credit (current LCU), per capita 7,869 current LCU per person (2025)
- Net domestic credit (current LCU), per unit of GDP 5.97 current LCU per US$ of GDP (2025)
- Net domestic credit (current LCU), annual growth rate 13.4 % change on previous year (2025)
- Gold reserves at 35 SDRs per ounce 0 SDR (2020)
- Gold reserves at market value 0 SDR (2020)
- Reserves excluding gold, foreign exchange 1.08 billion SDR (2024)
- Reserves excluding gold 3.14 billion SDR (2024)
- Total reserves (gold at market value) 3.14 billion SDR (2024)
- Total reserves (gold at national valuation) 3.14 billion SDR (2024)
- Total reserves (gold at national valuation) (SDR), per capita 147.13 SDR per person (2024)
Frequently asked questions
- What is household sector loan accounts with commercial banks per 1,000 adults in Zambia?
- Household sector loan accounts with commercial banks per 1,000 adults in Zambia was 31.42 in 2025, according to International Monetary Fund.
- What is the highest household sector loan accounts with commercial banks per 1,000 adults recorded in Zambia?
- The highest recorded value was 58.04 in 2023.
- What is the lowest household sector loan accounts with commercial banks per 1,000 adults recorded in Zambia?
- The lowest recorded value was 1.21 in 2011.
- How does Zambia rank for household sector loan accounts with commercial banks per 1,000 adults?
- Zambia ranks 87th out of 98 countries with data for 2025.
- Is household sector loan accounts with commercial banks per 1,000 adults rising or falling in Zambia?
- Over the last ten years it is up 16.6%. The long-run trend across the full record is volatile.
- Where does this Zambia data come from?
- The figures come from International Monetary Fund, published as part of Household Sector Loan Accounts with Commercial Banks per 1,000 Adults. Statizoid updates them automatically from the source API.
Download this data
CSV · JSON — 15 observations, free to reuse under IMF Terms and Conditions (attribution required).
About this data
Gender-disaggregated data on access to and use of financial services.