The main objective of this report is tocontribute to the development of São Tomé and Príncipe’sfinancial sector and provide its Government and privatestakeholders with a clear roadmap for reform in key policyareas, particularly regarding efforts to strengtheningfinancial sector soundness, enhance financial inclusion, andupgrade existing financial infrastructure. The reportincludes a sequenced implementation plan designed to enablethe authorities to implement critical financial sectorreforms and interventions, designed to foster a moreefficient, sound and inclusive financial sector in São Toméand Príncipe based on a coherent policy framework.