This loan portfolio consists essentially of short-term facilities, amounting to 457.68 billion FCFA, complemented by medium-term commitments representing 375.53 billion, to which are added customer receivables valued at 112.89 billion.


In addition to financing the real economy, the institution maintains a strong position in investment assets and treasury operations. As of end-August 2026, the portfolio of investment securities and assimilated instruments reaches 523.12 billion FCFA, an amount equivalent to 62.8% of the total outstanding credit extended to customers. If interbank operations totaling 232.33 billion FCFA are added, split between sight and term placements, the cumulative total of securities and interbank receivables amounts to 755.45 billion FCFA. Although these different employment categories respond to distinct maturities and risk profiles, their relative volume illustrates the diversification of balance sheet allocation choices made by the country’s leading banking institution.


On the resources side, the liability structure confirms the strength of public deposit collection. Customer credit accounts reach 1,020.11 billion CFA francs, overwhelmingly dominated by sight deposits, while savings accounts on passbook stand at 549.70 billion, with the total of deposits and savings books approaching 1,570 billion FCFA. This collection base is supported by robust equity, anchored by a share capital of 50 billion CFA francs and strengthened by over 112 billion in reserves and retained earnings, not forgetting the contribution of bond and participatory loans. In the absence of comparable historical series, this August 2026 radiograph constitutes an indispensable reference base for assessing the bank’s operational dynamics in a monetary environment undergoing profound change.


Bernardo

Tags: afriland first bank bilan bancaire crédits à court terme dépôts clientèle fonds propres portefeuille titres opérations interbancaires encours crédits ressources bancaires performance financière