联合国西亚经济社会委员会-2025年可持续发展目标年度回顾：阿拉伯地区的金融普惠（英）

Financial inclusion in the Arab region2025VISIONESCWA, an innovative catalyst for a stable, just and flourishing Arab regionMISSIONCommitted to the 2030 Agenda, ESCWA’s passionate team produces innovative knowledge, fosters regional consensus and delivers transformational policy advice.Together, we work for a sustainable future for all.E/ESCWA/CL5.SDGS/2025/1Financial inclusion in the Arab regionEconomic and Social Commission for Western Asia© 2025 United Nations All rights reserved worldwidePhotocopies and reproductions of excerpts are allowed with proper credits.All queries on rights and licences, including subsidiary rights, should be addressed to the United Nations Economic and Social Commission for Western Asia (ESCWA), email: publications-escwa@un.org.The findings, interpretations and conclusions expressed in this publication are those of the authors and do not necessarily reflect the views of the United Nations or its officials or Member States.The designations employed and the presentation of material in this publication do not imply the expression of any opinion whatsoever on the part of the United Nations concerning the legal status of any country, territory, city or area or of its authorities, or concerning the delimitation of its frontiers or boundaries.Links contained in this publication are provided for the convenience of the reader and are correct at the time of issue. The United Nations takes no responsibility for the continued accuracy of that information or for the content of any external website.References have, wherever possible, been verified.Mention of commercial names and products does not imply the endorsement of the United Nations.References to dollars ($) are to United States dollars, unless otherwise stated.Symbols of United Nations documents are composed of capital letters combined with figures. Mention of such a symbol indicates a reference to a United Nations document.United Nations publication issued by ESCWA, United Nations House, Riad El Solh Square, P.O. Box: 11–8575, Beirut, Lebanon.Website: www.unescwa.org.3AcknowledgementsThe Annual SDG Review 2025 was produced by the United Nations Economic and Social Commission for Western Asia (ESCWA), under the overall guidance of the Executive Secretary, Rola Dashti, and the direction of the Leader of the 2030 Agenda and SDG Coordination Cluster, Maisaa Youssef.AuthorsMario Jales and Hania Sabbidin DimassiRegional expert reviewersAli Awdeh (Union of Arab Banks), Nathalie Grand, Reem Nejdawi and Alaa SebehResearch assistanceNadera El Bizri and Sobhieh KabbarahTechnical supportLara El KhouryProductionESCWA Conference Management Section4The state of financial inclusion in the Arab regionWidespread exclusion: In 2021, 197 million people lacked a transaction account at a bank or other financial institution across the 22 Arab countries. This represented 64 per cent of adults in the region, higher than in any other region in the world and significantly higher than the global a