Africa's population growth

2,6% in 2021
2.6% in 2020
2.6% in 2019


small and medium-sized enterprises

90% in 2021
90% in 2020
85% in 2019


employment comes from the informal sector

85,8% in 2021
84% in 2020
86% in 2019


Strict Banking Rate in Africa

19,3% in 2021
19.3% in 2020
19.3% in 2019

Economic dynamism

Financing the local economy
Orabank is committed to financing the development of economies in sub-Saharan Africa, strengthening productivity and supporting entrepreneurial dynamism.
Banks contribute to the financing of the economy and are an essential part of its development.
Large companies are called to be strong economic players. We accompany them in their growth evolution on increasingly specific financing needs. The quality of our service, the proximity to the customer, the responsiveness and the existence of a regional and coherent platform distinguish us on the market. We have a clientele of small and medium-sized enterprises as well as large enterprises that are destined to be strong economic players.
The Group has major assets for its customers:
  • Knowledge of the African continent
  • A dense network of bank correspondents
  • A workforce composed of professionals from African and non-African countries.


Small business development
Orabank is committed to participating in the financing and development of small private entrepreneurs. We have a small business clientele and three strategic priorities for development assistance (TPE and SMEs, women and young people and Microfinance).
  • In 2021, Orabank Togo launched the marketing of the Professional Credit Savings Account (CECP) dedicated to professional customers.
  • In 2020, the ECOWAS Bank for Investment and Development (EBID) granted ORAGROUP a €50 million line of credit to finance investments by SMEs in the eight countries of the West African Economic and Monetary Union (WAEMU). En 2020, la Banque d’Investissement et de Développement de la CEDEAO (BIDC) a octroyé à ORAGROUP une ligne de financement de 50 millions d’euros destinée au financement des investissements des PME/PMI des 8 pays de l’Union Economique et Monétaire Ouest-Africaine (UEMOA).
  • Orabank Togo and the National Fund for Inclusive Finance (FNFI) have signed an agreement to implement the Togolese government’s CFAF 20 billion financing line to boost SMEs.
  • In 2020, at the Onomo Hotel, Orabank Togo sponsored and actively participated in the first edition of the local market: the MIABE KIAKO event. This event aimed to promote the production and consumption of Togolese goods and services through a local market. The theme was “Local consumption, a citizen commitment to development”.
VSEs and SMEs
The Islamic Private Sector Development Corporation (ICD) is a multilateral development financial institution that is part of the Islamic Development Bank group. ICD was created to support the economic development of its member countries through the provision of funds for private sector projects, the promotion of competition and entrepreneurship, the provision of advisory services to governments as well as the promotion of cross-border investments. The Orabank Group received 40 million euros as part of an agreement signed with the Islamic Development Corporation (ICD) in December 2017. These funds make it possible to exclusively finance eligible projects carried out by small and medium-sized enterprises operating in ICD member countries via an innovative product of Islamic finance.
The African Guarantee Fund and Economic Cooperation (FAGACE) is an International Financial Institution specialized in the promotion of public and private investments. It is headquartered in Cotonou, Benin. Its mission is to contribute to the economic and social development of its member states taken individually or collectively, by participating in the financing or by facilitating the realization of their investment projects. In 2017, the Fund is starting a new era of change in order to respond more effectively to the financing of the economies of its member states in a changing Africa. The new 2017-2020 Strategic Plan is therefore based on a strategy targeted at SMEs and SMIs, as close as possible to those who are responsible for the economic development of Africa. ORAGROUP and FAGACE decide to develop synergies to boost their interventions in African countries where the two institutions operate.
Rec 1
The ECOWAS Investment and Development Bank (BIDC) is the financial arm of the Economic Community of West African States, which comprises 15 member states. The mission of BIDC is to contribute to the creation of conditions for an economically strong, industrialized, prosperous and fully integrated West Africa, both internally and in relation to the global economic system, to take advantage of the opportunities offered by globalization. In September 2020, the Orabank Group received a EUR 50 million line of financing for the investment of SMEs/SMIs from the 8 countries of the West African Economic and Monetary Union (WAEMU). This refinancing credit line of the BIDC provides financing for approximately 34 SMEs/SMIs with an average ticket of around FCFA 1.03 billion and is expected to contribute to the creation of 818 new permanent jobs. The agreement signed between the two banking institutions demonstrates the will to act together to maximize investments that are consistent with the multilateral agenda for sustainable development.
Rec 2
In 2020, the Togolese authorities established a line of credit of 20 billion FCFA for Small and Medium Enterprises (SMEs) through the Secretary of State for Financial Inclusion and the Informal Sector. This decision comes after measures announced by the Government of Togo in the framework of the response to the coronavirus. The availability of this funding line was evidenced by the signing of an agreement on Friday 21 August 2020 between the National Fund for Inclusive Finance (FNFI) and Orabank Togo. Companies that request this will be able to benefit from credits up to 10 million FCFA at a rate of 5%. This funding covers all sectors of activity and allows these companies to gradually restart their activities.
  • In 2022, the Plateau City Council in collaboration with Orabank Côte d’Ivoire launched a program for the socio-professional integration of Plateau youth. Orabank Côte d’Ivoire offered young people the Plateau Access VISA card, which can be used for salary payments.
  • Orabank supports the economic empowerment of women and youth.
  • Orabank supports the Junior Achievement Gabon (JA) initiative, which enables young people to increase their chances of entering the economic world, under a program for entrepreneurs (donation of 3 M FCFA).
  • In 2020, Orabank also participated in the National Forum of Farmers of Togo in order to offer banking services that meet the needs of the sector and to reiterate its commitment to the actions of the State to promote the agricultural sector.
  • Orabank, the French Development Agency and the European Union have created a Mesofinance Cluster. The aim is to improve access to bank financing for small economic or social projects of very small enterprises, which mainly operate in the informal sector and account for 98% of the economic fabric.
  • The Orabank Group has concluded a technical assistance agreement with the Credit Communautaire d’Afrique (CCA), a former Cameroonian microfinance institution that has recently become the country’s 15th bank.
In January 2020, the 12th edition of the National Forum of Farmers of Togo was held at the Kara Congress Palace under the theme of the Government’s « Emergency Plan for Agricultural Transformation in Togo ». This meeting was a meeting for exchanges between agricultural stakeholders to give new impetus to the sector. At the end of the work, the actors adopted a contingency plan for transformation. The adoption of this Emergency Plan for the Transformation of Agriculture is therefore an accelerator for the creation of wealth and jobs by implementing a series of strong measures and actions. In this context, Orabank took part in this event to offer the players in the sector banking services that meet their needs and to reiterate its commitment to the actions of the State for the promotion of the agricultural sector.
rec 4
On 5 July 2018, ORAGROUP SA, holding company of the Orabank Group, announced the signing of a technical assistance agreement with Crédit Communautaire d’Afrique (CCA), a former Cameroonian microfinance institution that recently became the country’s 15th largest bank. The Memorandum of Understanding signed between the two parties sets out the modalities by which ORAGROUP will assume, for CCA, various technical assistance services, intended to participate in its organization and development. ORAGROUP will provide recurring services to CCA in key areas of its development. Ad hoc services will also be put in place, such as staff search, assistance with network development, internal audit missions or project management support.