In this connection, I am happy to share with you that we now have fewer cities and municipalities that are considered unbanked. At the end of 2012, about 37 percent of cities/municipalities had no banking presence (either in the form of banks or MBOs).
However, if we consider the increased presence of other financial service providers like ATMs, e-money agents, pawnshops, savings and loan associations, remittance agents and money changers, the percentage of cities/municipalities that remains unserved is lower at 12.6 percent.