If you’ve checked your bank statement lately, you likely felt a familiar sting of disappointment. While the cost of living continues to climb, the interest hitting your savings account remains stubbornly low—often struggling to even cross the 2.5% to 3.5% mark in many CEMAC region banks.
But as of December 2025, the financial landscape in Central Africa has shifted. A new heavyweight has entered the ring, offering a way to make your money work significantly harder.
The listing of the Alios Finance Cameroon 6% & 7% (2025–2030) bond on the Central African Stock Exchange (BVMAC) this December has changed the game for everyday investors. If you are looking for stability without sacrificing returns, here is exactly how the New Alios Finance 7% Bond beats your bank’s savings rate and why it might be the smartest home for your capital this year.
Related: How to buy stocks in Cameroon.
The Reality Check: Why Your Savings Account is Failing You
Traditional savings accounts are designed for liquidity, not for wealth building. In the current 2025 economic climate, banks are flush with cash but hesitant to offer high yields to retail depositors.
When you factor in inflation and account maintenance fees, a “3% interest rate” often results in negative real returns. Your purchasing power is shrinking while your money sits “safely” in a vault. This is the primary reason why sophisticated investors are pivoting toward corporate bonds.
The Alios Finance Alternative
Alios Finance Cameroon, a leader in the leasing and specialized finance sector, recently closed a massive CFA 9 billion fundraising round. For the retail investor, the “Tranche B” of this issuance is the star of the show: a 7% gross annual interest rate with a 5-year maturity (2025–2030).
1. The Yield Gap: 7% vs. The Market Average
The most immediate reason how the New Alios Finance 7% Bond beats your bank’s savings rate is the pure mathematical advantage.
- Standard Savings Account: Typically offers between 2.45% and 4% depending on the bank and the balance.
- Alios Finance Bond (Tranche B): Offers a fixed 7.00% per annum.
By choosing the bond over a standard savings account, you are effectively doubling your passive income. On an investment of CFA 1,000,000, a bank might give you CFA 30,000 a year (before fees), while the Alios bond delivers CFA 70,000. Over five years, that gap creates a massive difference in your total net worth.
2. Fixed Returns in an Uncertain Market
Unlike some flexible savings accounts where banks can adjust rates based on central bank (BEAC) policies, a bond is a legal contract. When you buy the Alios Finance 7% bond, that rate is locked in until 2030.
In an economy where interest rates can be volatile, having a guaranteed 7% “coupon” (interest payment) provides a level of financial predictability that a standard bank account simply cannot match. You know exactly when your interest will be paid and exactly how much you will receive.
3. Transparency and Institutional Strength
One reason people stick to banks is the perceived safety. However, Alios Finance is not a new player; it is a pillar of the CEMAC financial ecosystem.
- Purpose-Driven Growth: The funds raised are being used to refinance existing debt (like the Alios Bridge To Bond 5.25%) and to fund their 2028 development strategy.
- Stock Exchange Listing: As of December 19, 2025, these bonds are officially traded on the BVMAC. This means the company is subject to rigorous regulatory oversight and public financial reporting—transparency you don’t always get with a private bank’s internal dealings.
4. Better Tax Efficiency for Investors
In many jurisdictions within the CEMAC zone, governments are actively encouraging local investment. For example, recent reforms in Cameroon have extended tax exemptions to certain public and corporate securities.
While interest on large bank deposits is often subject to the IRCM (Tax on Income from Securities), many bond issuances come with preferential tax treatments that allow you to keep more of that 7% in your pocket. This is another subtle but powerful way how the New Alios Finance 7% Bond beats your bank’s savings rate.
Summary Comparison Table
| Feature | Typical Bank Savings | Alios Finance Bond (Tranche B) |
| Annual Interest | ~2.5% – 4% | 7.00% |
| Rate Stability | Variable | Fixed until 2030 |
| Liquidity | Immediate | Tradable on BVMAC Secondary Market |
| Transparency | Low (Internal Bank Policy) | High (BVMAC Regulated) |
How to Get Started
If you missed the initial subscription in July, don’t worry. Now that the bonds are listed on the BVMAC (Central African Stock Exchange) as of late December 2025, you can purchase them through a licensed brokerage (Société de Bourse).
The nominal value per bond is typically CFA 10,000, making it accessible not just for institutional giants, but for individual savers who want to break free from low-interest bank accounts.
Final Thoughts
Stop letting your hard-earned money lose its value in a stagnant savings account. The data is clear: the corporate bond market is currently offering the best risk-adjusted returns for local investors.