Although the market share of the institution shows a technical decline compared to the rate of 64.30% recorded in the same period in 2024, the group maintains a significant gap with the Union Gabonaise de Banque (UGB), which ranks second with 17.26% of the shares. The remaining banking landscape presents strong fragmentation, with no other brand (Citibank, Orabank, or AFGBank) managing to exceed 10% of intermediation activity.

The dynamism of Gabonese financing flows outperforms the macroeconomic trend in the CEMAC zone, where credit expansion is limited to an average growth of 5.93%. Banks operating in Gabon show a 36.35% year-over-year increase compared to the 402.6 billion FCFA distributed a year earlier. Sectoral analysis of beneficiaries highlights the concentration of flows towards large enterprises, which receive 258.4 billion FCFA, or 47% of the total envelope, to fuel the relaunch of public infrastructure projects. Financial support to large structures increases by 75.79% in one year, while the small and medium-sized enterprise (SME) segment captures 61.9 billion FCFA, maintaining their overall financial integration below the structural threshold of 12%.

In contrast to the productive private sector, financial commitments to public administrations and local authorities undergo a marked contraction of 33.08% over one year, standing at 160 billion FCFA. The decline in state allocations is accompanied by an 11.72% decrease in consumer credits to individuals, to 44.1 billion FCFA, in a context of strict monetary control. The cost of credit reflects the orientations of the Bank of Central African States (BEAC): the cost of money for large enterprises decreases to 26.39% compared to 46.53% at the end of 2024, and SMEs benefit from a relaxation to 18.27%. Households, on the other hand, face an increase in the cost of money, with an average rate rising by 733 basis points to 26.32%, a direct consequence of the tightening of the central bank's key interest rates.


Nlend Flore

Tags: banque gabon bgfibank credit bancaire zone cemac economie gabon financement entreprises gabon beac taux credit marche financier