Annual report 2024
Beyond the bank, the future starts here
Annual report summary
Since its creation in 2002, Rawbank has grown alongside the Congo.
In 2024, it is asserting a new ambition: to support the country’s major transitions — digital, economic, and social — while staying true to its roots.
In a rapidly changing environment, the bank is reinventing itself to remain close to its clients, useful, and future-oriented. Inclusion, innovation, and sustainable finance: Rawbank offers concrete solutions to real-world challenges, combining performance with impact.
Through its new positioning, “Beyond a Bank,” it embodies a finance that takes action — empowering women, supporting youth education, entrepreneurship, and vital social causes. Everywhere, for everyone, Rawbank turns trust into action — beyond a bank
Summary of financial indicators
Rawbank confirms its growth momentum in 2024. For the 2024 financial year, Rawbank continues its upward trajectory with solid financial results :
- Net Banking Income: USD 514 million → up 6.2% from 2023
- Net Income: USD 212.7 million → reflecting sustained profitability despite economic headwinds
Performance indicators confirm the strength of its business model :
- ROE : 32,99 %
- ROA : 3,43 %
- Capital Adequacy Ratio (Basel III): 20.44%
Rawbank is reinforcing its role as a key financer of the Congolese economy :
- Gross Loans Outstanding: USD 2.08 billion → +34% year-on-year
- Customer Deposits: USD 4.74 billion → nearly +20% growth
- Loan-to-Deposit Ratio: 43.85% → reflecting a strong liquidity profile
Finally, risk management and operational efficiency remain strong :
- Cost-to-Income Ratio: 52.36%
- Cost of Risk (Net NPL): 0.47% → confirming the high quality of the loan portfolio
These results reflect Rawbank’s resilience to external shocks and its unwavering commitment to supporting the economic development of the DRC
Ils s'expriment
Innover, avancer, rester en prise avec les besoins des populations que nous servons et être toujours à la pointe des standards internationaux les plus exigeants. Telle est notre ambition de banque africaine, profondément enracinée dans son territoire congolais mais pleinement tournée vers l’avenir et le reste du continent.
Conseil d'Administration
Rester fort comme hier dans un monde incertain, être résilient pour répondre aux transformations structurelles d’aujourd’hui; être innovant pour inventer les services de demain. Telle est la promesse de Rawbank et des Rawbankers que je tiens ici à remercier. ”
Explore Rawbank’s 2024
Annual Report
Since 2002, Rawbank has grown alongside the Congo. In 2024, it embraced a new ambition: to support the country’s key transitions — digital, economic, and social — while remaining true to its roots.
In a changing world, the bank is evolving to address the challenges of the DRC and remain focused on the future.
Inclusion, innovation, sustainable finance: Rawbank delivers concrete responses, combining performance with impact.
Through its positioning “Beyond a Bank,” it represents a finance that takes action — empowering women, supporting education, entrepreneurship, and vital social causes
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