This in itself would indicate that banking services are available to a greater percentage of the population. This paradoxical situation mainly stems from the lop-sided distribution of the available branches.
As you know, Windhoek alone accounts for close to 25 per cent of the total number of bank branches and 4 out of the 13 regions account for about 67 per cent of total branches. The two regions with the largest population viz., Ohangwena and Omusati, however, are sparsely banked.