{"id":537686,"date":"2026-10-01T09:10:22","date_gmt":"2026-10-01T08:10:22","guid":{"rendered":"https:\/\/www.afis.africa\/2026-annual-summit\/theme\/"},"modified":"2026-10-13T15:12:07","modified_gmt":"2026-10-13T14:12:07","slug":"theme","status":"publish","type":"page","link":"https:\/\/www.afis.africa\/fr\/2026-annual-summit\/theme\/","title":{"rendered":"Th\u00e8me"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"537686\" class=\"elementor elementor-537686 elementor-514980\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7ffa653 e-flex e-con-boxed e-con e-parent\" data-id=\"7ffa653\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-13cc35c elementor-widget__width-auto gradient-title elementor-widget elementor-widget-heading\" data-id=\"13cc35c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Making Capital Count : Acc\u00e9l\u00e9rer la croissance gr\u00e2ce \u00e0 la finance africaine <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-93681d1 elementor-widget elementor-widget-text-editor\" data-id=\"93681d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Vingt ans apr\u00e8s que M-Pesa a d\u00e9montr\u00e9 comment une innovation ancr\u00e9e dans les r\u00e9alit\u00e9s africaines pouvait transformer tout un secteur, la finance africaine se trouve face \u00e0 un nouveau d\u00e9fi. Apr\u00e8s avoir b\u00e2ti des institutions rentables et sophistiqu\u00e9es, saura-t-elle d\u00e9sormais atteindre l\u2019envergure n\u00e9cessaire pour accompagner la prochaine phase de croissance du continent ? <\/p><p>Le secteur bancaire africain repose sur des fondations solides. En 2024, ses revenus ont d\u00e9pass\u00e9 les 100 milliards de dollars, tandis que le rendement des capitaux propres atteignait 19%, soit pr\u00e8s du double de la moyenne mondiale. Pourtant, la dynamique de croissance montre des signes d\u2019essoufflement : sous l\u2019effet notamment de la baisse des taux, elle tend \u00e0 se stabiliser autour de 5%. Ce paradoxe est au c\u0153ur de la finance africaine : le secteur peut \u00eatre extr\u00eamement rentable alors m\u00eame que les \u00e9conomies du continent restent insuffisamment financ\u00e9es. La p\u00e9n\u00e9tration des services financiers demeure faible et l\u2019allocation des actifs reste largement orient\u00e9e vers le financement des d\u00e9ficits publics. \u00c0 l\u2019\u00e9chelle du continent, les pr\u00eats ne repr\u00e9sentent qu\u2019environ 30% des actifs bancaires. Dans l\u2019UEMOA, les banques accordent treize fois plus de cr\u00e9dits au commerce qu\u2019\u00e0 l\u2019agriculture. Quant aux millions de PME africaines, nombre d\u2019entre elles restent trop petites, fragment\u00e9es ou informelles pour entrer dans les mod\u00e8les bancaires traditionnels.    <\/p><p>La prochaine d\u00e9cennie exigera donc de b\u00e2tir des march\u00e9s plus vastes, et non simplement d\u2019accro\u00eetre les rendements sur les march\u00e9s existants. C\u2019est une condition essentielle si l\u2019Afrique veut attirer davantage de capitaux priv\u00e9s, d\u00e9velopper ses secteurs productifs et cr\u00e9er des emplois \u00e0 grande \u00e9chelle. <\/p><p>La taille compte : Le classement des 30 premi\u00e8res banques africaines \u00e9tabli par Jeune Afrique Media Group montre qu\u2019elles cumulent environ 1 200 milliards de dollars d\u2019actifs, soit moins d\u2019un tiers du bilan de leurs homologues latino-am\u00e9ricaines. Or, les institutions les plus grandes et les mieux capitalis\u00e9es disposent g\u00e9n\u00e9ralement d\u2019une capacit\u00e9 sup\u00e9rieure \u00e0 absorber les risques et \u00e0 financer des projets d\u2019une ampleur inaccessible aux \u00e9tablissements plus modestes. Mais la taille, \u00e0 elle seule, ne suffira pas.   <\/p><p>La prochaine g\u00e9n\u00e9ration de champions financiers africains devra conjuguer envergure et expertise : \u00eatre capable de rivaliser \u00e0 l\u2019\u00e9chelle internationale tout en mobilisant ses ressources au service de la transformation \u00e9conomique de son march\u00e9 d\u2019origine. <\/p><p>Les dirigeants africains ont d\u00e9j\u00e0 engag\u00e9 cette r\u00e9flexion. Des initiatives r\u00e9centes, notamment la Nouvelle Architecture Financi\u00e8re Africaine pour le D\u00e9veloppement (NAFAD), lanc\u00e9e \u00e0 l\u2019initiative du Groupe de la Banque africaine de d\u00e9veloppement (BAD), ont soulign\u00e9 la n\u00e9cessit\u00e9 de renforcer la coordination entre les institutions nationales, r\u00e9gionales et continentales afin de mobiliser et de d\u00e9ployer plus efficacement les capitaux africains.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5765906 e-con-full e-flex e-con e-child\" data-id=\"5765906\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ae3b89 elementor-widget__width-auto gradient-title elementor-widget elementor-widget-heading\" data-id=\"3ae3b89\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Six priorit\u00e9s strat\u00e9giques fa\u00e7onneront cette transformation au cours de la prochaine d\u00e9cennie : <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-423a842 elementor-widget elementor-widget-text-editor\" data-id=\"423a842\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3><span class=\"a_GcMg font-feature-liga-off font-feature-clig-off font-feature-calt-off text-decoration-none text-strikethrough-none\">Une finance au service de l\u2019\u00e9conomie r\u00e9elle<\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad0a811 elementor-widget elementor-widget-text-editor\" data-id=\"ad0a811\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>D\u00e9velopper le financement de l\u2019agriculture, des PME, du logement et des infrastructures en agr\u00e9geant une demande fragment\u00e9e, en mobilisant les capitaux priv\u00e9s et en<br\/>renfor\u00e7ant les partenariats. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-372ad94 elementor-widget elementor-widget-text-editor\" data-id=\"372ad94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3>La taille au service de l\u2019\u00e9conomie<\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d19f18b elementor-widget elementor-widget-text-editor\" data-id=\"d19f18b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Juger la consolidation \u00e0 sa capacit\u00e9 \u00e0 financer des projets structurants, et non \u00e0 la seule taille. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d2e070 elementor-widget elementor-widget-text-editor\" data-id=\"3d2e070\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3>Une technologie pens\u00e9e pour l\u2019Afrique <\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b5dbb5 elementor-widget elementor-widget-text-editor\" data-id=\"4b5dbb5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>D\u00e9velopper l\u2019IA, la banque digitale et la fintech \u00e0 partir des donn\u00e9es et usages africains pour d\u00e9passer les mod\u00e8les existants.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-588ae2a elementor-widget elementor-widget-text-editor\" data-id=\"588ae2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3>Transformer l\u2019\u00e9pargne africaine en investissement<\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac55e6c elementor-widget elementor-widget-text-editor\" data-id=\"ac55e6c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Orienter les fonds de pension, d\u2019assurance et souverains vers l\u2019\u00e9conomie productive en<br\/>mutualisant les ressources et les canaux d\u2019investissement. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d3b9694 elementor-widget elementor-widget-text-editor\" data-id=\"d3b9694\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3>L\u2019int\u00e9gration pour changer d\u2019\u00e9chelle<\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b952898 elementor-widget elementor-widget-text-editor\" data-id=\"b952898\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>D\u00e9velopper les paiements transfrontaliers et relier les march\u00e9s de capitaux encore fragment\u00e9s<br\/>par plus de 40 monnaies et des r\u00e9glementations disparates. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-177ca3a elementor-widget elementor-widget-text-editor\" data-id=\"177ca3a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3>Des r\u00e8gles adapt\u00e9es aux r\u00e9alit\u00e9s africaines<\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52b44bc elementor-widget elementor-widget-text-editor\" data-id=\"52b44bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Faire \u00e9voluer les cadres prudentiels et de gestion des risques au rythme des march\u00e9s africains<br\/>et des transformations technologiques. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2834eda elementor-widget elementor-widget-text-editor\" data-id=\"2834eda\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>L\u2019AFIS 2026 \u00e0 Luanda rassemblera plus de 1 250 leaders et r\u00e9gulateurs financiers africains et internationaux les 3 et 4 novembre pour transformer la puissance financi\u00e8re en pouvoir \u00e9conomique et commencer \u00e0 b\u00e2tir la prochaine <\/strong><strong>d\u00e9cennie de croissance africaine.<\/strong><\/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-3e82383 e-flex e-con-boxed e-con e-parent\" data-id=\"3e82383\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7d3977d e-con-full e-flex e-con e-child\" data-id=\"7d3977d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0317df6 ribbon-report elementor-widget elementor-widget-button\" data-id=\"0317df6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.afis.africa\/wp-content\/uploads\/2026\/10\/A-EN-ONE-PAGER-AFIS-26_210x297-.pdf\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">T\u00e9l\u00e9chargez le th\u00e8me<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\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-b27612a e-flex e-con-boxed e-con e-parent\" data-id=\"b27612a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div 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data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d5d3371 ribbon-report elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"d5d3371\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.afis.africa\/en\/2026-annual-summit\/2026-speakers\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">D\u00e9couvrir les speakers<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\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-8797f83 e-flex e-con-boxed e-con e-parent\" data-id=\"8797f83\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Making Capital Count : Acc\u00e9l\u00e9rer la croissance gr\u00e2ce \u00e0 la finance africaine Vingt ans apr\u00e8s que M-Pesa a d\u00e9montr\u00e9 comment une innovation ancr\u00e9e dans les r\u00e9alit\u00e9s africaines pouvait transformer tout un secteur, la finance africaine se trouve face \u00e0 un nouveau d\u00e9fi. Apr\u00e8s avoir b\u00e2ti des institutions rentables et sophistiqu\u00e9es, saura-t-elle d\u00e9sormais atteindre l\u2019envergure n\u00e9cessaire [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":25197,"parent":389499,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-537686","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>2026 AFIS Annual Summit Theme<\/title>\n<meta name=\"description\" content=\"Twenty years after M-Pesa showed how innovation built around African realities could reshape an industry, African finance faces a different challenge: having built profitable, sophisticated institutions, can they now acquire the scale to finance Africa\u2019s next phase of growth?\" \/>\n<meta name=\"robots\" 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