Bank Credit in Ivory Coast: From 8% to 22%, a Wide Gap in Rates

According to the BCEAO, as of December 31, 2025, the average bank base rate in Ivory Coast was 10.54%, with a range of 8% to 11%. The maximum rates applied by banks varied from 11.5% to 22%, averaging 14.57%. BMS Ivory Coast had the lowest base rate (8%), while SAFCA-Alios Finance had the highest ceiling (22%). These differences reflect the commercial strategies and risk policies of the institutions.