Early Warning System

Regions

Africa

Geographic location where the impacts of the investment may be experienced.

Countries

Cameroon

Geographic location where the impacts of the investment may be experienced.

Financial Institutions

African Development Bank (AFDB)

International, regional and national development finance institutions. Many of these banks have a public interest mission, such as poverty reduction.

Project Status

Approved

Stage of the project cycle. Stages vary by development bank and can include: pending, approval, implementation, and closed or completed.

Bank Risk Rating

Environmental and social categorization assessed by the development bank as a measure of the planned project’s environmental and social impacts. A higher risk rating may require more due diligence to limit or avoid harm to people and the environment. For example, "A" or "B" are risk categories where "A" represents the highest amount of risk. Results will include projects that specifically recorded a rating, all other projects are marked ‘U’ for "Undisclosed."

Voting Date

Nov 30, 2025

Date when project documentation and funding is reviewed by the Board for consideration and approval. Some development banks will state a "board date" or "decision date." When funding approval is obtained, the legal documents are accepted and signed, the implementation phase begins.

Borrower

Crédit Communautaire d'Afrique Bank (CCA-Bank)

A public entity (government or state-owned) provided with funds or financial support to manage and/or implement a project.

Sectors

Finance
Industry and Trade

The service or industry focus of the investment. A project can have several sectors.

Investment Type(s)

Loan

The categories of the bank investment: loan, grant, guarantee, technical assistance, advisory services, equity and fund.

Investment Amount (USD)

$ 17.28 million

Value listed on project documents at time of disclosure. If necessary, this amount is converted to USD ($) on the date of disclosure. Please review updated project documents for more information.

Project Cost (USD)

$ 29.00 million

Value listed on project documents at time of disclosure. If necessary, this amount is converted to USD ($) on the date of disclosure. Please review updated project documents for more information.
Currency conversion note:
Bank reported 25
Converted using 2025-11-30 exchange rate.

Bank Documents

Primary Source

Original disclosure @ AFDB website

Updated in EWS Aug 9, 2026

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Can you contribute information about this project?
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Project Description

If provided by the financial institution, the Early Warning System Team writes a short summary describing the purported development objective of the project and project components. Review the complete project documentation for a detailed description.

According to the Bank’s website, the purpose of the project is to establish a credit facility of up to EUR 25 million in favour of Crédit Communautaire d'Afrique-Bank (CCA-Bank) Cameroon. The facility comprises: (i) a three-and-a-half-year trade finance line of credit (TFLOC) of up to EUR 15 million with a three-year grace period on the principal; and (ii) a EUR 10 million three-year transaction guarantee (TG) facility to support CCA–Bank's trade finance activities. The Bank is also in advanced discussions with AGTF for the provision of an additional funded facility of EUR 5 million, which should bring the total amount of the TFLOC to EUR 20 million.

The proposed facility will help to improve the trade finance services that CCA-Bank provides to SMEs and local businesses operating in key economic sectors. The facility is expected to support at least EUR 248 million worth of trade transactions over a period of three and a half years, including EUR 158 million through the TFLOC and EUR 90 million through the TG. Lastly, it will contribute to generating additional tax revenue through import duties and maintaining and/or creating jobs by supporting SMEs and local businesses engaged in international trade. The new inflow of resources will have positive ripple effects on private sector development and economic growth. More specifically, the implementation of the project should help to generate more tax revenue for the Government and create numerous jobs. The Transaction Guarantee (TG) will help to reduce the constraints and costs associated with trade finance transactions, thus facilitating the activities of SMEs and local businesses engaged in international trade.

The project will support SMEs and other local businesses engaged in the agribusiness and import-export sectors. Through the liquidity facility and the guarantee backed by the African Development Bank's AAA credit rating, the project will bolster up the Cameroonian economy primarily by financing imports of equipment for the manufacturing and agribusiness sectors.

Early Warning System Project Analysis

For a project with severe or irreversible impacts to local community and natural resources, the Early Warning System Team may conduct a thorough analysis regarding its potential impacts to human and environmental rights.

The project has been classified under Category 3, in accordance with the Bank's Integrated Safeguards System (ISS). This classification was validated in Integrated Safeguards Tracking System (ISTS) and confirmed in the System Applications and Products (SAP) platform on 11 June 2025.

Investment Description

Here you can find a list of individual development financial institutions that finance the project.

African Development Bank (AFDB)

Financial Instrument: Line of Credit
Commitments (UA): 12,882,171
Conversion Rate USD (2025-11-30): 1,34161
Commitments (USD): 17,282,849.44

Financial Intermediary

A financial intermediary is a bank or financial institution that receives funds from a development bank. A financial intermediary then lends these funds to their clients (private actors) in the form of loans, bonds, guarantees and equity shares. Financial intermediaries include insurance, pension and equity funds. The direct financial relationship is between the development bank and the financial intermediary.

Crédit Communautaire d’Afrique Bank SA (Financial Intermediary)

Private Actors Description

A Private Actor is a non-governmental body or entity that is the borrower or client of a development project, which can include corporations, private equity and banks. This describes the private actors and their roles in relation to the project, when private actor information is disclosed or has been further researched.

Crédit Communautaire d'Afrique-Bank PLC (CCA-Bank) was established in July 1997 in Bafoussam, in accordance with Law No. 92/006 of 14 August 1992 on cooperative societies and common initiative groups (COOP-CIG) and its implementing Decree No. 90/445/PM of 23 November 1992. It effectively began operations in 1998 as a credit union. It was upgraded to a second-tier microfinance institution (MFI) in 2001, and subsequently obtained its banking licence (No. 000405MINFI) on 30 May 2018. CCA-Bank has 15 shareholders, most notably: (i) Afrigroup Holding (61.83%), whose beneficial owner is Mr Albert Nkemla, holding 61.83% of the Bank’s shares; (ii) Société de Gestion Immobilière et Hôtelière – SGIH (22.23%); (iii) NSIA Assurance (3.30%); (iv) NSIA Assurance Vie (3.30%); (v) Mr Ouambo (3.30%) and 10 individuals holding a combined 5.74% of shares, none of whom individually hold more than 2%. CCA-Bank operates in 22 towns across Cameroon, with 60 automated teller machines (ATMs), 657 350 accounts, more than 500 000 customers and 59 interconnected branches, making it the bank with the second-largest network in the country. At end-2024, it employed 717 people, 58% of them women.

Contact Information

This section aims to support the local communities and local CSO to get to know which stakeholders are involved in a project with their roles and responsibilities. If available, there may be a complaint office for the respective bank which operates independently to receive and determine violations in policy and practice. Independent Accountability Mechanisms receive and respond to complaints. Most Independent Accountability Mechanisms offer two functions for addressing complaints: dispute resolution and compliance review.

Name: Norine Sylvie MOUGONGAYE
Email: n.mougongaye@afdb.org

ACCESS TO INFORMATION

You can submit an information request for project information at: https://www.afdb.org/en/disclosure-and-access-to-information/request-for-documents. Under the AfDBs Disclosure and Access to Information policy, if you feel the Bank has omitted to publish information or your request for information is unreasonably denied, you can file an appeal at https://www.afdb.org/en/disclosure-and-access-to-information/appeals-process.

ACCOUNTABILITY MECHANISM OF AfDB

The Independent Review Mechanism (IRM), which is administered by the Compliance Review and Mediation Unit (CRMU), is the independent complaint mechanism and fact-finding body for people who have been or are likely to be adversely affected by an African Development Bank (AfDB)-financed project. If you submit a complaint to the IRM, it may assist you by either seeking to address your problems by facilitating a dispute resolution dialogue between you and those implementing the project and/or investigating whether the AfDB complied with its policies to prevent environmental and social harms. You can submit a complaint electronically by emailing crmuinfo@afdb.org, b.kargougou@afdb.org, b.fall@afdb.org, and/or s.toure@afdb.org. You can learn more about the IRM and how to file a complaint at: https://www.afdb.org/en/independent-review-mechanism/