Business Model
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
- 2,092 employees
Financial
- Investor-led Capital
- Self-financing capacity generated
- Financial Jobs
- A Net Banking Product of 155 billion CFA
- 128 billion CFA in equity share of the Group
Industrial et intellectual
- A network of 165 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 of 9 billion of FCFA
- Client deposits per 11 and customer loans per 15
Clients
- Digital banking and a service offering
- Customers who are loyal and satisfied
- Customer deposits = 542 billion FCFA
- Customer credits = 348 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
