The monetary policy report of the Bank of Central African States (BEAC) published in early October 2025 mentions that the Chad and Cameroon respectively have average interest rates of 7.22% and 7.92%, which is significantly lower than the average community (11.80%).

Cameroon and Chad stand out as the the most attractive banking markets in the Economic and Monetary Community of Central Africa (CEMAC) in terms of credit costs. The report states that the overall effective interest rates applied by institutions of Credit in the subregion increased on average from 10.21% to 11.80% over a year. This overall increase reflects an increase in commissions, fees of file and other credit-related costs, in a context of tightening regional currency. But behind this average, national disparities remain marked.

The level reached by Cameroon and Chad translate better accessibility of bank financing and lower perception credit risk in these two countries, often supported by policies more active banking institutions.

In contrast, the banks of Gabon and Equatorial Guinea have much higher rates, 24.81% and 15.59% respectively, which is two to three times more than those observed in Cameroon and Chad. This surge is due to low competition. banking, high credit risk and the lack of depth of the financial market in those economies that are more dependent on oil revenues