Annual report 2025
Act for all the congolese
Annual report summary
Since its creation in 2002, Rawbank has grown alongside the Congo.
In 2025, 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
Solid performance supporting the Congolese economy
Rawbank has demonstrated a particularly strong financial performance, driven by balanced growth in both business activity and operational discipline.
- Net banking income: $681.8 million → up 32.6% from 2024.
- Net income: $231.6 million → up 8.9%, reflecting strong profitability.
Performance indicators confirm the robustness of the model:
- ROE (Return on Equity): 36.17%
- ROA (Return on Assets): 3.56%
- Capital adequacy ratio (Basel III): 15.09%
Rawbank is strengthening its role as a financier of the Congolese economy:
- Gross loan portfolio: $2.29 billion → up 10% year-over-year
- Deposits: $4.8 billion → up 1.1%
- Loan-to-deposit ratio: 47.77% → reflecting an improving liquidity profile
Finally, risk management and operational efficiency remain a priority:
- Operating ratio: 48.53%
- Cost of risk (Net NPL): 0.65% → confirming the high quality of the portfolio
These results reflect Rawbank’s resilience in the face of external shocks and its ongoing commitment to supporting economic development in the DRC.
Ils s'expriment
I would like to commend the dedication and professionalism of all Rawbankers, who contribute every day to this collective success.
Conseil d'Administration
Building a robust and sustainable model; transforming our business lines, our customer journeys, and our performance; earning customer preference and becoming the go-to choice for everyday banking.
Explore Rawbank’s 2024
Annual Report
Since 2002, Rawbank has grown alongside the Congo. In 2025, 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
Archives
Archives
