非洲金融：在数字化转型与气候转型时代释放投资潜力

FINANCE IN AFRICAUnlocking investment in an eraof digital transformation and climate transition eBook:QH-02-24-508-EN-E ISBN978-92-861-5783-7 doi:10.2867/445515pdf:QH-02-24-508-EN-NISBN978-92-861-5767-7 doi:10.2867/134596Finance in AfricaUnlocking investment in an era of digital transformation and climate transition© European Investment Bank, 2024.All rights reserved.All questions on rights and licensing should be addressed to publications@eib.org.European Investment Bank98 -100, boulevard Konrad AdenauerL-2950 LuxembourgAbout the EIB Economics DepartmentThe mission of the EIB Economics Department is to provide economic analyses and studies to support the Bank in its operations and inthe definition of its positioning, strategy and policy. The department and its team of economists is headed by Debora Revoltella, directorof economics.DisclaimerThe views expressed in this publication are those of the authors and do not necessarily reflect the position of the European InvestmentBank.For further information on the EIB’s activities, please consult our website, www.eib.org. You can also contact our InfoDesk, info@eib.org.Published by the European Investment Bank.Printed on FSC® paper. ForewordvExecutive summaryvii1.Financial markets and financing conditions12.Economic development and access to finance353.Banking sector trends in sub-Saharan Africa574.Regional banking performance815.Digital financial services in Africa1176.Climate finance and investment in sub-Saharan Africa1337.Partnering with Africa151 About the reportThe Finance in Africa report is a product of the EIB Economics Department, providing an analysis of recentdevelopments in the African financial sector and specific structural topics of relevance. It combines in-house researchwith contributions from leading market experts from commercial banks operating in the region, internationalfinance institutions and other institutions. This report was prepared on the basis of data available in June 2024.Main contributors to this year’s reportReport directors:Report coordinators:Communicationproject manager:Editing:Coordination:Executive Summary:Chapter 1:Chapter 2:Chapter 3:Chapter 4:Chapter 5:Chapter 6:Chapter 7:AcknowledgmentsThe EIB wishes to thank, first and foremost, the staff and management of the African banks who generously gave theirtime to complete the EIB Banking in Africa survey, 2024. We thank all the colleagues from the EIB, Making FinanceWork for Africa Partnership (MFW4A), Africa Fintech Network, Tellimer, the Global Private Capital Association (GPCA),Krutham, the University of Bari and the Organisation for Economic Co-operation and Development (OECD), whosecontributions supported and enriched this report. In particular we would like to mention: Nxalati Baloyi (Krutham),Sanja Blatt, Marius Chirila, Carmelo Cocuzza, Patrick Conteh (Africa Fintech Network), Marc-Antoine Coursaget,Tatia Dzaptashvili (GPCA), Grakolet Arnold Zamereith Gourène (MFW4A), Ayushi Gupta (Tellimer), Fotios Kalantzis,Kristina Kanapinskaite, Eleni Kyrou, Patrick Le Goff, Christophe Litt, Arthur Minsat (OECD Development Centre),Sonja Mohnen, Davide Monguzzi, Rosa Olivares, Emma-Jane Paul, Paloma Perez De Vega, Elisa Saint Martin (OECDDevelopment Centre), Markus Schulte, Pascal Simon, Inmaculada Soto Riba, Jean-Philippe Stijns, Matseliso Teele(MFW4A), Dr Stuart Theobald (Krutham), and Peter Zajc. Thanks also to Debora Revoltella and Barbara Marchittofor reviewing early versions of each chapter. The EIB acknowledges the research assistance of Nomfundvo Dlaminion various chapters of the report. Barbara Marchitto and Debora RevoltellaColin Bermingham, Moses Nyangu and Ricardo SantosDaniel Berze, under the direction of Valentina Kalk, head of publicationsTamar Vidon, under the direction of Valentina Kalk, EIB Linguistic Services andCharlesworth Author ServicesNathalie Gilson, senior operational assistantDebora RevoltellaColin Bermingham, Emmanouil Davradakis, Moses Nyangu, Ricardo Santos andDaniella SeberiniColin Bermingham and Frank BetzBox 1 by Arthur Minsat and Elisa Saint Martin (both OECD Development Centre)Colin BerminghamColin Bermingham, Frank Betz, Emmanouil Davradakis, Nomfundvo Dlamini,Kevin Koerner, Moses Nyangu, Ricardo Santos and Christoph WeissBox 2 by Grakolet Arnold Zamereith Gourène (Making Finance Work for Africa)Alfredo BaldiniBox 1 by Patrick Conteh (Africa Fintech Network) and Matseliso Teele (MFW4A)Contributions by Ayushi Gupta (Tellimer) and Tatia Dzaptashvili (GPCA)Joana Conde and Ricardo SantosBox 1 by Nxalati Baloyi and Dr Stuart Theobald (Krutham)Box 2 by Paola Casati (University of Bari, Taranto, Italy) and Fotios KalantzisTessa Bending, Colin Bermingham, Carolina Herrero, Matteo Gatti andIoanna-Victoria Kyritsi ForewordAfrica has the potential to become a catalyst for global change.With its vast landscapes, a youthfulpopulation and a wealth of untapped resources, it could be the continent that drives the global greentransition of the 21st century.