52552 - Orange Bank Africa SLGP RSF II

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Summary of Investment Information

Project Number

52552

Company Name

RSF ORANGE BANK COTE D IVOIRE

Date SPI Disclosed

Feb 2, 2026

Country

Western Africa Region

Region

Africa

Projected Board Date

Dec 23, 2025

Environmental Category

FI-3 - No Impact

Status

Pending Disbursement

Last Updated Date

Feb 3, 2026

Department

Regional Industry - FIG Africa

Industry

Financial Markets

Previous Events

Approved : Dec 23, 2025
Signed : Dec 31, 2025

Sector

Commercial Banking - SME Finance

Additional Project Attributes

Blended Finance

Project Description

The proposed project consists of a multi-country unfunded Risk Sharing Facilities (‘RSF’) totaling up to XOF17.0 billion in IFC’s Maximum Risk Amount in local currency equivalent, providing a 50% coverage of a portfolio of up to XOF34.0 billion including short term working capital loans to MSMEs to be originated by Orange Bank Africa Côte d’Ivoire (‘OBA CI’ or ‘the Bank’) via its existing ‘Tik Tak’ digital credit and savings application. In addition, subject to further approvals, the project is expected to be supported by the IDA20 Private Sector Window’s Blended Finance Facility (“IDA PSW-BFF”) to de-risk the investment.

The RSF will continue to support the development of OBA CI’s digital lending activities to Micro, Small and Medium Entreprises (MSMEs) in Côte d’Ivoire and Senegal, 2 countries of the West African Economic and Monetary Union (WAEMU) region with a gender carve out aiming to support Women Micro, Small and Medium Entreprises (WMSMEs).

The Project would be processed under IFC’s Small Loans Guarantee Program (“SLGP”), a programmatic approach to de-risk and scale-up financing for SMEs in eligible countries, such as Côte d’Ivoire and Senegal.

Sponsor / Cost / Location

Product Line	IFC Investment (million USD)
Risk Management
Guarantee	29.98
Loan
Equity

IFC's loan to the financial institution described in this SII is targeted for on-lending to the following sector(s):

Product Type	Use of Proceeds
Guarantee	Loans to MSME (mix of Micro and SME)

IFC's Definitions of Targeted Sectors can be found here.

Development Impact

The most expected Project-Level outcome is an increased in access to finance for MSMEs through digital lending in Côte d’Ivoire and Senegal. Beyond the project. IFC also anticipates that the project will improve scalability by opening new channels for clients to access products and services thus promoting greater competitiveness in the MSME finance market by demonstrating the commercial viability of lending to MSMEs

Indicator	Metrics	Comments
New entrants in the digital lending market	1
Volume of outstanding social finance to MSMEs	USD M

E&S Category Rationale / Risks and Mitigation

The proposed project consists of an unfunded Risk Sharing Facility (“RSF”) of up to US$30 million in local currency equivalent to be originated by Orange Bank Africa (OBA) to support the de-risking and scaling of OBA’s lending to Micro enterprises primarily in the services and commercial sector. The environmental and social (E&S) risks of these microfinance activities are expected to be low, therefore the Project has been categorized as FI-3 according to the IFC's Sustainability Policy. The Project will not support coal-related activities, or higher risk business activities that may include a) involuntary resettlement, b) risk of adverse impacts on indigenous peoples, c) significant risks to or impacts on the environment, community health and safety, biodiversity, cultural heritage or d) significant occupational health and safety risks. OBA is an existing IFC client with E&S capacity in place including an E&S officer and an applicable ESMS to screen the activities against the IFC Exclusion List and the relevant E&S laws and regulations. For this project the Client will be required to continue to implement the ESMS and inform the IFC in case of any changes in the scope of its operations that may affect the E&S risk of its portfolio. The Client will also be required to meet basic Life & Fire safety requirements and the requirements of IFC’s Performance Standard 2 on Labor and Working conditions and enhance its Human Resources (HR) policies by adopting an institutional-level Sexual Exploitation, Abuse, and Harassment (SEAH) policy, along with a grievance mechanism capable of handling SEAH-related complaints.

Contacts

For Inquiries About the Project, Contact

Orange Bank Africa
Alexandre Oro
General Secretary
+225 07 58 37 11 86
Alexandre.oro@orangebank.ci
Alexandre.oro@orangebank.ci
www.orangebank.ci

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This Summary of Investment Information (SII) is prepared by IFC to disclose a factual summary of the main elements of the potential investment. It also includes findings and recommendations related to environmental and social considerations regarding this potential investment. The purpose of the SII is to enhance the transparency of IFC’s activities. For any project documentation or data included or attached herein, whether prepared by the project sponsor or otherwise, authorization has been given for public release by the project sponsor. IFC considers that this SII is of adequate quality for release to the public, but has not necessarily independently verified all of the project information therein. It is distributed in advance of IFC Board of Directors’ consideration and may be periodically updated thereafter. Board dates are estimates only and this document should not be construed as presuming the outcome of the Board Directors’ decision. The following SII is disclosed in accordance with IFC's Access to Information Policy (AIP) that went into effect on January 1, 2012.

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