Business Model

Integrated Value

Our Integrated Value Creation Model

Inputs

Our Capital Resources

Growth

Our Growth Model

Outputs

Results for our stakeholders

OUtcomes

Our Impacts to Society

Human

  • HR Policy to Strengthen Human Capital
  • +2,000 employees

Financial

  • Investor-led Capital
  • Self-financing capacity generated
  • Financial Jobs
  • A Net Banking Product of 147 billion CFA
  • 128 billion CFA in equity share of the Group

Industrial et intellectual

  • A network of 157 agencies
  • A network of banking partners
  • A network of banking partners
  • 12 countries in 4 currency areas

Social et relational

  • Proximity and quality customer relationship
  • Network presence
  • +493,000 active customers
  • + 190,000 cards in circulation

Environment

  • Optimized use of natural resources
  • Financing of clean energy projects

Resources

Attract and mobilize resources. Fideling the funds players.

Process

Organize processes and create efficient tools.

Products

Commercializse the banks’ products and services.

Distribution

Commercializse the banks’ products and services.

Network

Norate and perennize partnerships.

Management

Manage and control the life cycle of projects

Internal partners

  • A recognized and responsible employer
  • Career Opportunities

Investors

  • Strong financial position
  • Solvency ratio of 14%
  • Net result up sharply by 50%
  • Client deposits per 11 and customer loans per 15

Clients

  • Digital banking and a service offering
  • Customers who are loyal and satisfied
  • Customer deposits = 1,823 billion FCFA
  • Customer credits = 1,366 billion FCFA
  • Classified in TOP 5 of the sub-region banks
  • 1st place in Togo
  • 2nd place in Guinea Bissau and Chad

Market regulators

  • A commitment to ethics, compliance and compliance with international standards

Social influencers

  • An Open Partnership Relationship
  • A direct contribution to the sustainable development of emerging Africa

SDG 1

No poverty

SDG 5

Gender equality

SDG 7

Clean and affordable energy

SDG 8

Decent growth and economic growth

SDG 9

Industry, innovation and infrastructure

SDG 10

Reduced inequalities

SDG 13

Measures to combat climate change

SDG 16

Peace, Justice and effective institutions

SDG 17

Partnerships for achieving the objectives