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
 
Demo Image
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