On Friday, February 6, 2026, the Banking Commission of the West African Monetary Union (UMOA) a publié the decisions adopted at its session on 16 and 17 December 2025. There are deduced that three banks located in Côte d'Ivoire, Niger and Togo have have been sanctioned for breaches of the rules governing establishments of credit.

All three banks have been sanctioned for breaches in governance, risk management and the fight against money laundering, stressing the need to strengthen compliance in the sector. Their identity has not been revealed by the UMOA Banking Commission. La Commission identified similar weaknesses in all three banks, with varying levels and areas of non-compliance For banking in Côte d'Ivoire In Ivory Coast, the main shortcomings concern the system to combat money laundering, the prevention of the financing of terrorism. For banks in Niger and Togo, the shortcomings affect governance internal, risk management, anti-money laundering compliance mechanisms and anti-financing of terrorism.

Each of the three banks received a sanction disciplinary in the form of blame. Fines have also been pronounced against them. These include 151 million CFA francs ($174,300) almond for the bank in Côte d'Ivoire, 300 million FCFA for that of Niger and 300 million FCFA for the Bank of Togo.

These measurements are based on instruction no. 006-05-2018 of 16 May 2018, which defines the procedures for the application of financial penalties within credit institutions in the UMOA area.

These sanctions reveal that some establishments struggle to meet compliance and risk management standards, which can erode investor confidence and limit the ability of banks to attract deposits and external funding.