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FOUNDER Afif Ben Yedder PUBLISHER AND EDITOR-IN-CHIEF Omar Ben Yedder EDITOR Anver Versi EDITOR-AT-LARGE Hichem Ben Yaïche VP DEVELOPMENT Saliba Manneh PROJECTS DIRECTOR Zine Ben Yahmed ADVERTISING ADVERTISING SALES DIRECTORS Medrine Chitty, Baytir Samba, Nick Rosefield DISTRIBUTION PRODUCTION Sophie Dillon TUNISIA Slah Nouri Nejib Ben Yedder Mohamed Ali Abouti PRINTERS Roularta Media Group Meensesteenweg 300 8800 Roeselare SUBSCRIPTIONS IC Publications Webscribe Unit 4, College Business Park College Road North Aston Clinton, HP22 5EZ UK Telephone: +44 (0) 1442 820580 All pictures AFP unless indicated. Registered with the British Library. ISSN 1757-1413 ©2022 IC Publications Ltd

Cover Story West Africa: Digital revolution well under way Editorial 5 Human and artificial intelligence News in Brief 6 Banking sector news from around the continent African Banker’s World 12 Who’s going where in the African banking industry Cover Story Banking in West Africa 16 Digital revolution well under way 18 Reshaping the industry 20 Is a viable regional market still a pipe dream? Focus on Cameroon 24 Economy poised to reach

5% growth after slowdown 26 The state of the banking sector

In Conversation 28 Gwen Abunaw, CEO, Ecobank Cameroon Profile 30 Dr Slim Feriani, CEO, Djibouti Sovereign Fund

In Conversation 34 Diane Karusisi, CEO, Bank of Kigali Technology 38 More African banks turn to AI

Milestones 40 The African Banker Awards – a fascinating journey Trends 46 Finance gender gap costs Africa $95bn per year In Conversation 48 Christopher Marks, Head, Emerging Markets, MUFG 50 Alain Law Min, CEO, Mauritius Commercial Bank Capital Markets 52 Coca-Cola’s $8bn African IPO plan 53 A big year for Nigeria’s bourse 54 Day trading dawns in Kenya 54 First Abu Dhabi’s $1bn bid for Egypt’s EFG Hermes 55 Airtel Uganda to list 20% shares 56 Egypt’s $1.5bn transport start-up heads for Nasdaq 56 Encouraging returns by African exchanges 57 New listings boost for Egypt exchange 57 Macro Pharma debuts in Egypt In Conversation 58 Paulo Gomes, Chairman, Orango Investment Corporation 60 Nick O’Donohoe, CEO, British International Investment (CDC) Country Focus 62 South Africa: Thumbs up for banks despite stagnant economy 64 Senegal: Finance lines clear for ambitious rail expansion Investment 66 Inbound investment hits new record In Memoriam 68 Professor Ezzeddine Larbi – The gentle intellectual giant 70 Emmanuel Tumusiime-Mutebile, Governor, Central Bank of Uganda The Bigger Picture 72 Recipe for Africa’s recovery Talking Point 74 Madiba’s red line crossed again

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