Crédit Communautaire d’Afrique

What Crédit Communautaire d’Afrique does

Crédit Communautaire d'Afrique-Bank (CCA-Bank) is a private Cameroonian universal bank headquartered in Douala-Bonanjo, operating as a public limited company (Société Anonyme) with a subscribed and paid-up capital of 29,408,000,000 FCFA. Originally founded in July 1997 in Bafoussam as a cooperative savings and credit society, it operated for two decades as a microfinance institution before obtaining banking license No. 000405MINFI from the Cameroonian Ministry of Finance in May 2018, following a favorable opinion from COBAC in March 2017. CCA-Bank serves individuals, SMEs (PME/PMI), large enterprises, and institutional clients—including NGOs, embassies, and government entities—through 56 interconnected branches spanning all 10 regions of Cameroon and 64 ATMs, distributing a comprehensive product set: checking and savings accounts, short- and medium-term financing, bank guarantees, debit cards (VISA-interoperable), money transfers via Western Union/Ria/Kori/Juba partnerships, Islamic finance under a Certificat de Conformité Charaïque, and a dedicated CCA WomenBanking program (CCA First Lady).

The bank's technology stack combines a universal banking platform with a digital channel layer comprising C-Mobile (mobile banking), C-Online (internet banking), SMS banking, the Moving Money transfer app, and digital onboarding via cca-bank-app.com, supported by a 24/7 call center. Revenue mechanics span interest income from lending (personal, business, investment, and Islamic), transaction and service fees (transfers, cards, account management), trade finance, and institutional treasury and currency management—underwritten by an investment-banking arm, CCA Bourse & Investissement, which operates in the public securities market.

CCA-Bank earns through a hybrid retail-plus-corporate model with a concentrated national footprint, augmented in 2025 by a €25 million AfDB trade finance facility and an additional ~$17M ICD-PS facility that expand the bank's risk-bearing capacity for SME imports and Islamic finance. The go-to-market relies on direct physical distribution (branches and ATMs) as the bottom-of-funnel touchpoint, a website and loan simulator as top/mid-funnel acquisition tools, and a specialized women-banking program and money-transfer partnerships as ecosystem channels. Customer base as of end-2017 stood at approximately 450,000 microfinance clients; the company has continued expanding product surface and capital base in subsequent years while targeting agro-industrial, large-enterprise, and Islamic finance verticals.

Name

Crédit Communautaire d’Afrique

Legal name

Crédit Communautaire d'Afrique-Bank S.A

Website

https://cca-bank.com

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

1–10 employees

Short description

Crédit Communautaire d'Afrique-Bank (CCA-Bank) is a Cameroonian universal bank, licensed in 2018, serving individuals, SMEs, large enterprises, and institutional clients through 56 branches, 64 ATMs, and digital channels across all 10 regions.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221), Commercial Banking (522110), Credit Card Issuing (52221), Nondepository Credit Intermediation (5222)

SIC

State Commercial Banks (6022), Personal Credit Institutions (6141), Finance Services (6199)

akta.pro primary industry

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

akta.pro secondary industries

Credit Cards & Revolving Credit (FSABAAAC), Lending & Credit Disbursements (FSAMAKAH)

Keywords

• Retail banking services
• Microfinance and SME lending
• Trade finance facilities
• Islamic banking services
• Digital banking channels

Headquarters

HQ city

Yaoundé

HQ country

Cameroon

HQ region

Africa

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

1. Interest Income from Lending: Revenue from interest charged on personal loans, business loans, investment loans, operational loans, overdrafts, and other credit facilities
2. Transaction and Service Fees: Fees from money transfers, card transactions, account management, and banking services
3. Trade Finance Services: Revenue from trade finance transactions, import/export facilitation, and risk cover services
4. Checking and Savings Account Services: Fees and interest margin from current/checking accounts and savings products
5. Islamic Finance Services: Sharia-compliant banking products and services under Islamic finance principles
6. Cash Management and Treasury Services: Term deposits, liquidity management, and investment services for institutional clients
7. Currency Management Services: Foreign currency accounts and exchange operations for international institutions
8. Project Financing: Financing solutions for institutional and large enterprise projects

Pricing tiers

Go-to-market motion1 record

Distribution channels8 records

Marketing channels6 records

Core offering

Crédit Communautaire d'Afrique-Bank (CCA-Bank) is a Cameroonian universal bank that provides personal banking (current accounts, savings, personal loans, debit cards, money transfers), SME and large enterprise banking (short-term and medium-term financing, bank guarantees, international operations), and institutional banking (cash management, currency management, project financing, public securities market services). It supplements its physical network of 56 branches and 64 ATMs with digital channels (C-Online, C-Mobile, SMS banking) and offers specialized programs including Islamic finance and the CCA First Lady women's banking program.

Product overview

CCA-Bank operates as a universal bank serving individuals, SMEs (Petites et Moyennes Entreprises), large enterprises (Grandes Entreises), and institutional clients including NGOs, embassies, and government bodies. The bank offers a comprehensive suite of banking products organized into core banking services (personal and business accounts, money transfers, debit cards, emergency loans), business financing products (short-term and medium-term financing, bank guarantees), and digital banking services (Internet Banking via C-Online, Mobile Banking via C-Mobile and Moving Money app, SMS Banking). Specialized offerings include Islamic Finance certified under Sharia principles, women's banking programs (CCA First Lady under CCA WOMENBANKING), and institutional services such as cash management, currency management, project financing, and public securities market services through its CCA Bourse & Investissement subsidiary. The bank maintains a physical presence through 56 interconnected branches across Cameroon's 10 regions and 64 ATMs, while facilitating international transactions through Western Union, Ria, Kori, and Juda partnerships.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Account (Compte Courant) A current or deposit account for individuals used to manage financial relationships, with access to tailored financing options and remote banking services.
• Personal Savings Account (Compte d'Épargne) A range of banking services tailored to grow individual customer funds and ensure their security.
• Business Account Banking services designed for businesses to optimize financial operations and support business growth with flexible conditions and personalized advice.
• Emergency Loan Digital solutions accessible to all for quick access to credit, available through online channels.
• Personal Loan Personal credit facility for individuals to finance personal projects, with amounts ranging from 50,000 to 5,000,000 XAF and repayment periods of 1 to 11 months.
• Short-Term Financing (Financement Court Terme) Short-term credit solutions for businesses to support operational cash flow needs.
• Medium-Term Financing (Financement Moyen Terme) Medium-term credit facilities for businesses to support longer-term investment and expansion projects.
• Savings and Investment (Épargne et Placement) Savings and investment products including term deposits (DAT) designed to generate margins with flexible investment durations.
• International Operations (Opérations à l'International) Banking solutions for international trade including foreign currency accounts, exchange risk coverage, and cross-border transaction management.
• Bank Guarantees (Garanties Bancaires) Guarantee products for businesses to secure contracts and mitigate risk in commercial transactions.
• Bank Cards (Cartes Bancaires) Debit cards including internationally interoperable VISA cards for secure and convenient transactions.
• Bancassurance Banking and insurance products combining financial services with insurance coverage.
• Internet Banking (C-Online) Online banking platform for remote account management and financial operations.
• Mobile Banking (C-Mobile) Mobile banking application for account access and transactions via smartphone.
• Moving Money Mobile money transfer application for local and international money transfers.
• SMS Banking Remote banking service via SMS for account alerts and basic transaction inquiries.
• Money Transfer (Local and International) Fast, secure and affordable money transfer solutions for both domestic and international transfers through Western Union, Ria, Kori, and Juda partnerships.
• Trade Finance Facility Risk cover for trade finance transactions supporting imports and exports, backed by €25 million facility from African Development Bank Group.
• CCA First Lady Women's Banking Women's banking program facilitating access to financial products and services for women, including current accounts, savings accounts, and business accounts under the CCA WOMENBANKING initiative.
• Cash Management Liquidity optimization services for institutions including term deposits and flexible investment options.
• Currency Management International banking solutions for foreign currency transactions with competitive exchange rates and advantageous transfer fees.
• Project Financing Financing solutions tailored for institutional projects and development initiatives.
• Public Securities Market Services Market financing solutions through CCA Bourse & Investissement subsidiary, including structured financing, public savings appeals, stock exchange activities, and financial engineering.
• Islamic Finance (Finance Islamique) Sharia-compliant financial products and services certified by competent Sharia compliance authorities. The bank holds a Certificat de Conformité Charaïque.

Quantifiable outcome

• Serving customers across 10 regions of Cameroon through 56 branches and 64 ATMs
• +1 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature5 records

Scale indicators7 records

Recent moves10 records

Expansion highlights6 records

Direct peers

• Afriland First Bank: Afriland First Bank is Cameroon's largest privately-owned bank and the most direct competitor to CCA-Bank, also originating from a microfinance-style inclusive banking model before scaling into a full commercial bank with nationwide branches.
• BICEC (Banque Internationale du Cameroun): BICEC is one of the leading Cameroonian commercial banks offering a comparable full suite of retail, SME, and corporate banking products across the same 10 regions, competing head-to-head with CCA-Bank for deposit and loan share.
• Ecobank Cameroon: Ecobank Cameroon is part of the Ecobank pan-African group and offers retail, SME, and corporate banking plus trade finance in Cameroon — directly overlapping with CCA-Bank's product set and target customer segments.
• United Bank for Africa (UBA) Cameroon: UBA Cameroon is a subsidiary of UBA Group offering retail, SME, and corporate banking with strong digital channels, competing directly with CCA-Bank for both consumer and business accounts in the Cameroonian market.
• Société Générale Cameroun: Société Générale Cameroun is a major universal bank offering personal, business, and institutional banking services comparable to CCA-Bank's full universal bank offering, particularly in the SME and corporate segments.
• BGFI Bank Cameroun: BGFI Bank Cameroun is part of BGFI Bank Group operating across CEMAC and offers retail, SME, and corporate banking products very similar to CCA-Bank, including trade finance and money transfer services.
• Financial Bank (BCP group subsidiary): Financial Bank Cameroun is part of the Moroccan BCP group and offers retail, SME, and corporate banking directly competing with CCA-Bank in the Cameroonian market across similar product lines.

Emerging players

• Coris Bank International: Coris Bank followed a comparable microfinance-to-universal-bank growth trajectory in West Africa (Burkina Faso origin) and provides a useful comp for CCA-Bank's expansion playbook, although it does not operate in Cameroon.
• Advans Group: Advans is a microfinance network serving SMEs and underserved clients across Africa including in CEMAC, sharing CCA-Bank's inclusive banking DNA and SME lending focus, though operating with a lighter branch footprint.

Regional players

• Express Union (mobile money & microfinance): Express Union is a major Cameroonian microfinance and mobile money operator that, like CCA-Bank's MFI origins, targets the same financially underserved retail segment, providing a relevant regional comp for CCA's grassroots deposit and credit franchise.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/cca_bank
• LinkedInlinkedin.com/company/cca-bank

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds3 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Crédit Communautaire d’Afrique