Business model

Build a leading banking group that helps finance the sustainable development of an emerging Africa. 

Embedded Value

Our integrated value creation model

Resources

Our capital resources 

Growth

Our growth model

Results

Results for our stakeholders

Growth

Our growth model

Human

  • An HR policy to strengthen human capital
  • 2,510 employees

Financial

  • The capital provided by investors
  • Self-financing capacity generated
  • Jobs in financial sector
  • 222 billion CFA francs of Net banking Income
  • 115 billion CFA francs in equity

Social and relational

  • Customer relationship of proximity and quality
  • Presence in networks
  • 717,486 active clients
  • + 190,000 banking cards in circulation

Environment

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

Resources

Attracting and mobilizing resources

Retain donor loyalty

Process

Organize processes and create efficient tools

Products

Commercialize the bank’s products and services

Distribution

Commercialize the bank’s products and services

Network

Network Forging and sustaining partnerships 

Management

Manage and control projects life cycle

Internal Partners

  • A recognized and responsible employer
  • Career opportunities 

Investors

  • Solidity of the financial situation
  • 19 billion CFA francs of Net Result
  • In 13 years, the size of the Group multiplied by 14
  • Customer deposits by 11 and customer loans by 15 

Customers

  • Digital banking and a range of services
  • Customer loyalty and satisfaction
  • 3,177 billion CFA francs of customer deposits
    2,284 billion CFA francs of customer loan
  • Ranked in the TOP 5 banks sub-region
  • 1st place in Togo 

Market regulators

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

Societal Influencers

  • An open partnership relationship
  • Making a Direct Contribution to the Sustainable Development of Emerging Africa

SDG 1

No poverty 

SDG 5

Gender equality 

SDG 7

Affordable and clean energy 

SDG 8

Decent work and economic growth

SDG 9

Industry, innovation and infrastructure 

SDG 10

Reduced inequality 

SDG 13

Measures to combat climate change 

SDG 16

Peace, Justice and Effective Institutions 

SDG 17

Partnerships for the achievement of objectives