Our impacts, risk, and opportunities

African context


  • Weak government regulation to make models change, ensure private-sector growth and develop financial markets


  • Robust growth in the WAEMU countries

  • Tightening of liquidity in oil-exporting countries

  • Rising debt and more difficult, volatile financial conditions

  • Trend towards protectionism


  • Still-high poverty levels

  • Problems with water supply and sanitation, transport, housing, energy and regulation

  • Security threats and political uncertainty

  • Some 11 million young Africans entering the labour market in each of the next 10 years


  • Insufficient electrical capacities

  • Need for access to reliable, sustainable energy at an affordable cost

  • Help for countries to ensure food security

Orabank’s impact-alleviation measures

  • Resilience of the bank’s model

  • Responsible financing

  • Government support. Participation in think tanks and forums on issues around economic growth in the countries where we operate

  • Promotion of the independence of women and young people

  • Injection of financing into the economy

  • Contribution to regional integration to foster transportation and trade

  • Financing of projects with a social impact

  • Increase in people’s access to banking services

  • Human-capital employability

  • Shift in the bank’s business lines

  • Social programmes

  • Support for green growth and investment

  • Support for the development of renewables

  • Increase in resilience to climate change


Orabank’s change process

The group will be speeding up its change to a universal bank.

The Orabank group is seeking to identify and understand, simultaneously, the major expectations for its ecosystem, the risks it faces in the context of its operations, and the opportunities that its business and the areas where it operates.

Changes in the ecosystem

  • Strengthening of the regional and international regulatory framework and imminent application of Basel II/III

  • Setting-up of the Credit Information Bureau (BIC) in the WAEMU area

  • Change in the bank’s business model

  • Emergence of new players offering possible partnerships

  • Digital transformation and financial inclusiveness strategy

  • Development of projects with a positive impact.

Risk types

  • Credit and counterparty

  • Market

  • Operational

  • Political

  • Legal

  • Image and reputational


  • Growing economy

  • Banking market potential

  • Technological and regulatory changes

  • Digitalisation opening up diversification opportunities

  • Opportunities for partnerships with new players

  • Establishment of the BIC in WAEMU

  • Development of guarantee institutions