{
    "id": 32223,
    "date": "2024-02-18T10:14:04",
    "date_gmt": "2024-02-18T09:14:04",
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    "modified": "2024-06-27T18:40:53",
    "modified_gmt": "2024-06-27T16:40:53",
    "slug": "togo-le-secteur-bancaire-et-de-la-microfinance",
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    "title": {
        "rendered": "Togo – Le secteur bancaire et de la microfinance"
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        "rendered": "<div data-elementor-type=\"wp-post\" data-elementor-id=\"32223\" class=\"elementor elementor-32223\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c4ea6c8 ToBeHidden e-flex e-con-boxed e-con e-child\" data-id=\"c4ea6c8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8241e24 e-con-full droppable e-flex e-con e-child\" data-id=\"8241e24\" data-element_type=\"container\" id=\"Ele1A\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d55df92 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"d55df92\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\t\t<div data-elementor-type=\"page\" data-elementor-id=\"83347\" class=\"elementor elementor-83347\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-751a8b39 e-con-full OrdiMobileConteneurClass e-flex e-con e-child\" data-id=\"751a8b39\" data-element_type=\"container\" id=\"testIdTest\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a7e332 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"1a7e332\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><div class=\"ym-espace-pub-lazy\" data-tpl=\"83347\"><\/div><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a0bbb0a e-con-full e-flex e-con e-child\" data-id=\"a0bbb0a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-650be5c elementor-widget elementor-widget-text-editor\" data-id=\"650be5c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\t\t<div data-elementor-type=\"container\" data-elementor-id=\"74473\" class=\"elementor elementor-74473\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-695d4e3 e-flex e-con-boxed e-con e-parent\" data-id=\"695d4e3\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a59548b elementor-widget elementor-widget-text-editor\" data-id=\"a59548b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tTogo &#8211; Le secteur bancaire et de la microfinance\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c1d3559 e-con-full e-flex e-con e-child\" data-id=\"c1d3559\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-fda920a e-con-full e-flex e-con e-child\" data-id=\"fda920a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d42ef5f elementor-widget elementor-widget-image\" data-id=\"d42ef5f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/africa.yearbook-media.com\/wp-content\/uploads\/elementor\/thumbs\/1024px-Siege_UEMOA_Ouagadougou-e1719506451900-revu4yi3szm2kth5y11lrrv7jhhiz9vddrtbrrs380.jpg\" title=\"1024px-Siege_UEMOA_Ouagadougou\" alt=\"1024px-Siege_UEMOA_Ouagadougou\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c1208fc e-flex e-con-boxed e-con e-parent\" data-id=\"c1208fc\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0728861 elementor-widget elementor-widget-text-editor\" data-id=\"0728861\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"text-align: var(--text-align); background-color: var(--base-3);\">Au sein de l\u2019UEMOA, le Togo pr\u00e9sente un secteur financier dynamique avec des caract\u00e9ristiques particuli\u00e8res : une multiplicit\u00e9 d\u2019acteurs, une polyvalence dans les activit\u00e9s, une aversion au risque tr\u00e8s prononc\u00e9e et une concurrence tr\u00e8s active entre les acteurs.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3efc226 ToBeHidden e-flex e-con-boxed e-con e-child\" data-id=\"3efc226\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-510d887 e-con-full droppable e-flex e-con e-child\" data-id=\"510d887\" data-element_type=\"container\" id=\"Ele2A\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b01fc8 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"2b01fc8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\t\t<div data-elementor-type=\"page\" data-elementor-id=\"83347\" class=\"elementor elementor-83347\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-751a8b39 e-con-full OrdiMobileConteneurClass e-flex e-con e-child\" data-id=\"751a8b39\" data-element_type=\"container\" id=\"testIdTest\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a7e332 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"1a7e332\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><div class=\"ym-espace-pub-lazy\" data-tpl=\"83347\"><\/div><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-deab21b e-flex e-con-boxed e-con e-parent\" data-id=\"deab21b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ea61b46 e-transform elementor-widget elementor-widget-text-editor\" data-id=\"ea61b46\" data-element_type=\"widget\" data-settings=\"{&quot;_transform_rotateZ_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_tablet&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_mobile&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le Togo compte 14 banques, dont 11 filiales et 3 succursales, et 3 \u00e9tablissements financiers \u00e0 caract\u00e8re bancaire dont 2 filiales (Source : BCEAO). Ces chiffres montrent la vivacit\u00e9 du secteur bancaire qui a connu en 2020, l\u2019ouverture de 78 597 comptes suppl\u00e9mentaires. Au cours de l\u2019ann\u00e9e 2021, les citoyens d\u00e9tenteurs de comptes bancaires dans les \u00e9tablissements de cr\u00e9dit (banques, services postaux, caisses nationales d\u2019\u00e9pargne) sont de 1 178 587 contre 1 099 990 en 2019. Avec 4,98 agences bancaires pour 100 000 habitants, le Togo poss\u00e8de l\u2019un des plus forts ratios de l\u2019UEMOA. Les banques jouent un r\u00f4le plus significatif dans la croissance de l\u2019\u00e9conomie et le d\u00e9veloppement du secteur priv\u00e9.<\/p>\n<p>Orabank Togo a \u00e9t\u00e9 d\u00e9sign\u00e9e meilleure banque du Togo en 2021 par le magazine financier Global Finance, dans son classement couvrant plus de 160 pays et r\u00e9gions. Au Togo, la filiale d\u2019Oragroup prend ainsi la t\u00eate du classement, pour cette 28\u00e8me liste annuelle des meilleures banques du monde, et d\u00e9tr\u00f4ne l\u2019autre g\u00e9ant du secteur bancaire togolais, Ecobank, qui \u00e9tait laur\u00e9at en 2020.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a1cd18c ToBeHidden e-flex e-con-boxed e-con e-child\" data-id=\"a1cd18c\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-219ef2d e-con-full droppable e-flex e-con e-child\" data-id=\"219ef2d\" data-element_type=\"container\" id=\"Ele3A\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b292726 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"b292726\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\t\t<div data-elementor-type=\"page\" data-elementor-id=\"83347\" class=\"elementor elementor-83347\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-751a8b39 e-con-full OrdiMobileConteneurClass e-flex e-con e-child\" data-id=\"751a8b39\" data-element_type=\"container\" id=\"testIdTest\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a7e332 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"1a7e332\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><div class=\"ym-espace-pub-lazy\" data-tpl=\"83347\"><\/div><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-777f13e e-flex e-con-boxed e-con e-parent\" data-id=\"777f13e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8fba077 e-transform elementor-widget elementor-widget-text-editor\" data-id=\"8fba077\" data-element_type=\"widget\" data-settings=\"{&quot;_transform_rotateZ_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_tablet&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_mobile&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"background-color: var(--base-3);\">Dans le contexte \u00e9conomique difficile d\u00fb \u00e0 la crise sanitaire, les banques togolaises ont sembl\u00e9, dans leur ensemble, r\u00e9silientes depuis 2020.\u00a0 Malgr\u00e9 l\u2019envol\u00e9e du co\u00fbt du risque qui a gripp\u00e9 les r\u00e9sultats nets, les actifs se sont maintenus sous l\u2019effet d\u2019une bonne tenue des d\u00e9p\u00f4ts. La Covid-19 a impos\u00e9 une course acc\u00e9l\u00e9r\u00e9e vers la digitalisation et 12 banques au Togo offrent des services financiers digitaux \u00e0 leurs clients. Cette digitalisation concerne notamment les services d\u2019information, d\u2019accompagnement, de conseil dans la gestion des diverses op\u00e9rations. Deux \u00e9tablissements bancaires ont ajout\u00e9 \u00e0 leurs offres des solutions \u00ab Mobile Banking via WhatsApp \u00bb, permettant notamment \u00e0 leurs clients d\u2019effectuer des op\u00e9rations \u00e0 toute heure de la journ\u00e9e et tous les jours de la semaine, \u00e0 partir de leurs comptes bancaires. Ces efforts, qui s\u2019accordent avec l\u2019une des priorit\u00e9s du Gouvernement qui est la digitalisation des secteurs publics -, et l\u2019ambition de se doter d\u2019une banque digitale pour mieux renforcer l\u2019inclusion financi\u00e8re. Il s\u2019agit de mettre en place une structure bancaire 100% digitale pour soutenir l\u2019\u00e9conomie et permettre de couvrir l\u2019ensemble du territoire togolais afin de gommer des fractures num\u00e9riques malgr\u00e9 les progr\u00e8s en termes d\u2019inclusion financi\u00e8re.<\/span><\/p>\n<p>Ralenties en 2020 en raison de la crise sanitaire de la Covid-19, les activit\u00e9s des structures de microfinance ont repris en force, comme le montrent les derni\u00e8res statistiques publi\u00e9es par la BCEAO. Une dynamique traduisant une tendance g\u00e9n\u00e9rale sur tous les terrains dans l\u2019ensemble des pays membres de l\u2019UMOA : collecte de d\u00e9p\u00f4ts, octroi de cr\u00e9dits et ouverture de comptes. Au Togo, les institutions de microfinance participent \u00e0 l\u2019am\u00e9lioration de l\u2019inclusion financi\u00e8re, notamment dans l\u2019acc\u00e8s des populations rurales et p\u00e9riph\u00e9riques aux syst\u00e8mes de financement. Le r\u00f4le majeur de la structure d\u2019Etat, le Fonds national de l\u2019inclusion financi\u00e8re (FNFI) a permis au Togo de passer d\u2019un taux d\u2019inclusion financi\u00e8re de 72,5% en 2016 \u00e0 81,5% en 2020 occupant ainsi la seconde place au sein de l\u2019UEMOA. Le taux global de p\u00e9n\u00e9tration g\u00e9ographique des services financiers au Togo est pass\u00e9 de 81 points en 2016 \u00e0 422 points en 2020, tandis que le taux global de p\u00e9n\u00e9tration d\u00e9mographique des services financiers se situe \u00e0 50 points en 2020 contre 11 points en 2016.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-54d14aa e-flex e-con-boxed e-con e-parent\" data-id=\"54d14aa\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-295fff0 elementor-widget elementor-widget-image\" data-id=\"295fff0\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"643\" height=\"382\" src=\"https:\/\/africa.yearbook-media.com\/wp-content\/uploads\/2024\/02\/Capture-decran-2024-02-18-101450.png\" class=\"attachment-large size-large wp-image-32226\" alt=\"\" srcset=\"https:\/\/africa.yearbook-media.com\/wp-content\/uploads\/2024\/02\/Capture-decran-2024-02-18-101450.png 643w, https:\/\/africa.yearbook-media.com\/wp-content\/uploads\/2024\/02\/Capture-decran-2024-02-18-101450-300x178.png 300w\" sizes=\"(max-width: 643px) 100vw, 643px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c2a9268 ToBeHidden e-flex e-con-boxed e-con e-child\" data-id=\"c2a9268\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-51b0395 e-con-full droppable e-flex e-con e-child\" data-id=\"51b0395\" data-element_type=\"container\" id=\"Ele4A\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3c5e455 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"3c5e455\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\t\t<div data-elementor-type=\"page\" data-elementor-id=\"83347\" class=\"elementor elementor-83347\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-751a8b39 e-con-full OrdiMobileConteneurClass e-flex e-con e-child\" data-id=\"751a8b39\" data-element_type=\"container\" id=\"testIdTest\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a7e332 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"1a7e332\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><div class=\"ym-espace-pub-lazy\" data-tpl=\"83347\"><\/div><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>",
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        "rendered": "<p>Au sein de l\u2019UEMOA, le Togo pr\u00e9sente un secteur financier dynamique avec des caract\u00e9ristiques particuli\u00e8res : une multiplicit\u00e9 d\u2019acteurs, une polyvalence dans les activit\u00e9s, une aversion au risque tr\u00e8s prononc\u00e9e et une concurrence tr\u00e8s active entre les acteurs. Le Togo compte 14 banques, dont 11 filiales et 3 succursales, et 3 \u00e9tablissements financiers \u00e0 caract\u00e8re &#8230; <a title=\"Togo &#8211; Le secteur bancaire et de la microfinance\" class=\"read-more\" href=\"https:\/\/africa.yearbook-media.com\/fr\/togo-le-secteur-bancaire-et-de-la-microfinance\/\" aria-label=\"Plus sur Togo &#8211; Le secteur bancaire et de la microfinance\">Lire plus<\/a><\/p>",
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