Core Insights - The Central African Economic and Monetary Community (CEMAC) region experienced a significant year-on-year credit growth of 19.6% in 2024, reaching a total credit market size of approximately 211.17 billion USD, primarily driven by Cameroon, which accounts for nearly 40% of the regional banking network [1][1][1] Credit Growth Analysis - All types of credit showed growth during this period: medium-term credit increased by 19.4%, short-term credit by 19.7%, and long-term credit expanded by 21.2% [1][1][1] - Short-term and medium-term credits contributed 11 percentage points and 8.3 percentage points, respectively, to the overall banking loan expansion, while long-term credit contributed only 0.3 percentage points [1][1][1] Central Bank Policy Impact - The Bank of Central African States (BEAC) attempted to tighten liquidity in the banking sector by suspending liquidity injections, enhancing liquidity recovery, and raising key policy rates multiple times, with a recent rate cut at the end of March 2025 [1][1][1] - Despite these tightening measures, the credit scale continued to grow throughout 2023 and 2024, with the banking interest rates in the CEMAC region decreasing by 33 basis points year-on-year, from 9.78% to 9.45% [1][1][1]
中部非洲经济与货币共同体：受喀麦隆推动，银行业信贷逆势增长19.6%，挫败中非央行的紧缩计划
Shang Wu Bu Wang Zhan·2025-06-27 17:17