Formal Borrowing Statistics in Lithuania (2026)

As of the 2021 data, 11.9% of adults in Lithuania borrowed from a formal financial institution, per World Bank Global Findex. Down from 20.7% in 2017 to 11.9% in 2021 (−8.7 percentage points). Lithuania ranks #41 of 46 economies in Europe & Central Asia on this measure, and #88 of 142 globally.

Key Statistics

Latest value (2021): 11.9% (2021); Formal Borrowing in Lithuania as of 2021, the most recent observation in World Bank Global Findex data.
Change since 2017: −8.7 pp (2021); Down from 20.7% in 2017 to 11.9% in 2021 (−8.7 percentage points).
Earliest value in this dataset (2014): 14.8% (2014); Earliest observation in this dataset, which covers 1990 onward (the source series may begin earlier). Down from 14.8% in 2014 to 11.9% in 2021.
Peak value (2017): 20.7% (2017); Highest value in the available series; the 2021 value is 11.9%.
Rank in Europe & Central Asia: #41 of 46 (2021); Lithuania ranks 41 of 46 countries in Europe & Central Asia with data, based on each country's latest value.
Global rank: #88 of 142 (2021); Lithuania ranks 88 of 142 countries with data globally.
Europe & Central Asia average: 33.3% (2021); Lithuania (11.9%) is below the average of 33.3% across the 46 countries in Europe & Central Asia with data.
Among women (2021): 9.9% (2021); Value for women in Lithuania, same 2021 World Bank Global Findex data.
Among men (2021): 14.2% (2021); Value for men in Lithuania, same 2021 World Bank Global Findex data.
Gender gap (women minus men): −4.3 pp (2021); In 2021, the figure was 9.9% for women and 14.2% for men — 4.3 percentage points lower among women.
Among the poorest 40% (2021): 6.9% (2021); Value for adults in the poorest 40% of households in Lithuania in 2021.
Poorest-40% gap vs national: −5 pp (2021); The poorest 40% (6.9%) are 5 percentage points below the national figure (11.9%).
Internet use in Lithuania (2024): 89.2% (2024); 89.2% of the population in Lithuania used the internet in 2024 (World Bank); shown for context only.
Population (2024): 2.9 million (2024); Lithuania had a population of 2.9 million in 2024 (World Bank); shown for scale only.

Trend, 2014–2021

Formal Borrowing in Lithuania by year (% of adults (age 15+))
Year	% of adults (age 15+)	Change
2021	11.9%	−8.7 pp
2017	20.7%	+5.8 pp
2014	14.8%	—

Fig. 1 — Formal Borrowing in Lithuania, 2014–2021

Frequently asked questions

What share of adults in Lithuania borrowed from a formal financial institution?

11.9% of adults in Lithuania borrowed from a formal financial institution in 2021, according to World Bank Global Findex data.

How does Lithuania compare with other countries in Europe & Central Asia?

Lithuania ranks 41 of 46 countries in Europe & Central Asia with data, with 11.9% versus a regional average of 33.3% (latest values per country).

Where does Lithuania rank globally on formal borrowing?

Lithuania ranks 88 of 142 countries with data globally, based on the latest World Bank Global Findex value for each country.

Is there a gender gap in formal borrowing in Lithuania?

Yes — in 2021 the figure was 9.9% for women and 14.2% for men, a gap of 4.3 percentage points in favor of men.

When did formal borrowing in Lithuania peak?

The highest value in the available series was 20.7% in 2017; the latest (2021) value is 11.9%.

Source & methodology

Source: World Bank Global Findex, indicator fin22a, retrieved 2026-06-10.

Figures are shown exactly as published in the source dataset; only the change column of the trend table is computed from adjacent published values.Read more on the methodology page. All figures are estimates and projections; this is not financial advice.

Last updated 2026-06-10.