The rating committee of Bloomfield Investment Corporation recently confirmed the ratings of ETC Invest S.p.A for the year 2025: a long-term AA rating and a short-term A1 rating, both with a stable outlook. This re-evaluation, valid until August 2026, comes amid a transforming African economic environment characterized by market volatility, persistently high interest rates, and […]
The European credit rating agency and External Credit Assessment Institution (ECAI), Modefinance, has confirmed for the year 2025 the A3- (Affirm) corporate credit rating assigned to ETC Invest S.p.A (holding company of the ETC Export Trading Cooperation Group), thereby recognizing the company’s strong capacity to meet its financial obligations. This reaffirmation highlights the soundness of […]
The mid-year marks a strategic milestone for your institution. In an environment where prudential requirements are becoming increasingly strict and pressure on capital is intensifying, room for maneuver is shrinking. At the same time, economic uncertainties persist, making every credit decision more critical. You must now combine regulatory compliance with the ability to sustainably finance […]
Preparing the budget for fiscal year 2026 is a pivotal moment for your bank. Beyond financial projections, it is an opportunity to strengthen your balance sheet, optimize your capital, and accelerate your growth.In a demanding regulatory environment, integrating risk guarantees is no longer just an option; it has become an essential lever for profitability. According […]
Optimizing Your Capital: A Key Challenge for African Banks As we approach mid-year, bank executives across Africa are likely facing a major challenge: how to meet commercial objectives while complying with increasingly stringent regulatory constraints? Managing your institution’s capital and adhering to Basel III’s concentration risk limits is now more critical than ever. The end […]
As key decision-makers in an African bank (CEO, Risk Director, Credit Director, or Commitments Director), you constantly face the challenge of balancing growth with regulatory compliance. In today’s context, where audits and regulations are becoming increasingly stringent, securing your large risks has become a priority. It is an essential step in ensuring your institution’s stability […]
Context and Challenges for Banks in the OHADA ZoneAs a CEO, Risk Director, Credit Director, or Engagements Director of a bank in the OHADA zone, you are navigating a critical period of strategic planning and goal alignment. This phase involves validating annual goals, closing the previous fiscal year, and submitting initial prudential reports to regulators. […]
Corruption, at all levels, slows down economic growth, exacerbates inequalities, and weakens public and private institutions. According to a 2021 World Bank study, corruption costs developing countries approximately $1 trillion annually, representing about 2% of global GDP. In this context, financial institutions play a pivotal role as key actors in ensuring transparency and integrity in […]
Today, the industrial sector represents only 11.8% of Africa’s gross domestic product (GDP), according to data from the World Bank (2021). This figure is very low compared to regions like East Asia, where industry contributes about 30% to GDP, and Europe, where it accounts for around 24%, according to a study led by the United […]
The Trade Guarantee aims to support financing for trade, raw material purchases, and supplier payments. In a context where cross-border transactions are increasing, non-payment risk has become a challenge for economic players. According to a World Bank study, around 80% of SMEs in developing countries face challenges in accessing adequate financing, which makes them vulnerable […]