Governance
Governance
The Board of Directors
The Board of Directors determines the strategic orientations of the bank’s activities and ensures their implementation. It exercises these powers within the limits of the corporate purpose, subject to those powers expressly assigned by law to shareholders’ meetings and within the limits of the role assigned to it by legislation and banking regulations.
Its role is also to ensure the long-term viability of the organization by promoting the development of entrepreneurial leadership and ensuring the quality of day-to-day management, the measurement and control of risks related to the bank’s businesses, and compliance with the principles of good operational governance.
The composition of the Board of Directors
Chairman
Isabelle Lessedjina holds two MBA (Master of Business Administration) degrees, one from the IESE Business School in Spain and the other from the London Business School in London.
Chairman of the Board
Chaiman Emeritus
Executive Directors
Born in Kinshasa, Mustafa Rawji completed his secondary education in London and obtained a master’s degree in finance in Boston (Babson College.
General Manager
Christian Kamanzi has a degree in applied economics and accounting and is a graduate of FUCAM in Mons (Belgium).
Deputy General Manager – Administration and Risks
Antoine Kiala holds a master’s degree in business administration from ICHEC/Entreprises/Belgium and a bachelor’s degree in commercial and financial sciences from ISC/Gombe.
Director of the Treasury
Non-executive directors
Member of the Board’s Credit Committee
With extensive experience in the financial services sector across Europe, Africa, Asia and the United States, Paul CARDOEN is currently CEO of the agro-industrial group SIAT .
Chairman of the Board’s IT and Technology Committee
Chairman of the Appointments Committee
Member of the Risk Committee
Chairman of the Appointments Committee
Member of the Risk Committee
Olivier Noel holds a Master’s degree in Economics from the University of London and a degree in Corporate Governance from l’INSEAD .
Chairman of the Risk Committee
Member of the Ethics and Compliance Committee
Member of the Ethics and Compliance Committee
Benjamin Nzailu is a certified public accountant in the DRC. After earning a degree in Financial Management from the University of Kinshasa, he joined one of the Big 4 audit firms, from which he retired as a partner.
Chairman of the Compensation Committee
Member of the Ethics and Compliance Committee
Member of the Ethics and Compliance Committee
Zain Rawji holds a Bachelor’s degree in Industrial Economics fromthe University of Nothingam in the United Kingdom. Zain Rawji He started his professional career…
Member of the Compensation Committee
Member of the Appointments Committee
Member of the Board’s IT and Technology Committee
Member of the Appointments Committee
Member of the Board’s IT and Technology Committee
Guy Sauvanet is a graduate of HEC Paris and holds a DECS. He started his career as an auditor in a major French banking group.
Chairman of the Board’s Credit Committee
Member of the Audit Committee
Member of the Board’s IT and Technology Committee
Member of the Audit Committee
Member of the Board’s IT and Technology Committee
Thierry Taeymans  is a sales engineer graduated from the Institut Supérieur de Commerce St Louis in Brussels. His banking experience began in 1982 at the Belgolaise bank in Brussels.
Member of the Board’s Credit Committee
An economist by training, Mr. Leny ILONDO graduated from Paris II University with a postgraduate degree in Money, Banking and Finance. Since 2024, he has brought all his experience to the Board of Directors of Rawbank.
Member of the Risk Committee
Member of the Audit Committee
Member of the Audit Committee
Holder of a degree in Economic and Social Law from the University of Kinshasa, Mr. Guy-André BWEYASA WA NSAMU has nearly 40 years of experience in the banking sector.
Chairman of the Ethics and Compliance Committee Member of the Board’s Credit Committee
Chairman of the Audit Committee
Member of the Compensation Committee
Member of the Compensation Committee
The Executive Committee
The Executive Committee ensures the effective application of the strategic orientations defined by the Board of Directors, and assists General Management in its day-to-day management of the Bank.
In addition, the Executive Committee provides the necessary support and advice to the various entities in carrying out their operational responsibilities.
The Executive Committee's composition
Born in Kinshasa, Mustafa Rawji completed his secondary education in London and obtained a master’s degree in finance in Boston (Babson College.
General Manager
Christian Kamanzi has a degree in applied economics and accounting and is a graduate of FUCAM in Mons (Belgium).
Deputy General Manager – Administration and Risks
Nadeem Akhtar holds a Master’s degree in Finance and Control from New Delhi and has 15 years of experience in the banking sector, initially as a credit officer in an Indian bank in New Delhi.
Deputy General Manager – Support and Infrastructure
Deputy General Manager – Business & Devlopment
Antoine Kiala holds a master’s degree in business administration from ICHEC/Entreprises/Belgium and a bachelor’s degree in commercial and financial sciences from ISC/Gombe.
Director of the Treasury
Naïma Issawi Darediya has a degree in Management and Administration. She also holds a Master’s degree in International Finance and a Master’s degree in E-service from the University of Namur, Belgium.
Director of Performances and Network
Etienne Mabunda is a graduate of the Ecole des Hautes Etudes Commerciales in Montreal and the Catholic University of Louvain After several professional experiences in Belgium…
Commercial Director
Director of Human Capital
Director of Finances
Dave Lechuange holds a Master’s degree in Economics and Management from the University of Kinshasaas well as a Master’s degree in Audit…
Director of Risk
Governance standards
Governance is described in several charters that govern the functioning of the Board of Directors and the Management Committee.
These governance standards comply with the instructions of the Central Bank of Congo (instructions 15, 17, and 22) and meet internationally recognized banking management criteria.
Normes contenant les dispositions applicables au Conseil d’Administration
- the Memorandum of Good Governance
- the Board of Directors' Charter
- the Audit Committee Charter
- the Risk Committee Charter
- the Ethics and Compliance Committee Charter
- la charte du comité Nominations.
Normes contenant les dispositions applicables au niveau du Management
- the Executive Management Charter
- the Code of Ethics
- the Compliance Charter
- the Internal Control Charter
- the Internal Audit Charter
- les politiques en matière de gestion des risques et conformité LAB-FT.
Internal control
Internal Control is a coherent and global system comprising a set of human and technical resources whose objectives are:
- the security of operations, goods, and people
- the efficiency and quality of services
- compliance with legal and regulatory provisions, as well as professional and ethical standards and practices
- the promotion of a strong culture of control and ethics
- the production and dissemination of reliable, high-quality, and rapidly available information
- compliance with the objectives, rules, and limits set by management
Internal control is organized at three levels.
- The first level: immediate, systematic and permanent control. This aims to guarantee the regularity, security, and validity of all banking operations, as well as compliance with measures related to the monitoring of the risks associated with these operations. It is carried out in each area of operational management (cash operations, transfers, foreign exchange, credit, etc.) and functional management (human resources, delegation, accounting, IT). It is carried out by the agent in charge of the operation and is then validated by the line manager.
- The second level: a systematic, permanent, informed control, but with an adapted regularity and operations grouped according to their nature. Its objective is to verify the regularity and conformity of operations and to monitor specific risks.
- The third level: consists of periodic, ad hoc, or unannounced controls carried out by management and Internal Audit. The latter's mission is to examine and evaluate the effectiveness of the first and second level control systems, and in particular their appropriateness to the nature of the risks associated with operations.
Compliance
The Compliance function focuses on seven specific points:
- To integrate the rules of the Congolese legislation as well as the international standards on the fight against money laundering and terrorism financing in the procedures and instructions of the bank
- Examine applications to open accounts and submit them to the Compliance Committee for decision
- Ensure the regularization of account opening files
- Monitor transactions to detect suspicious transactions
- Provide compliance training to staff
- Monitoring the compliance of the bank's personnel
- Centralize staff communications on suspicious transactions and file suspicious transaction reports with the Central Bank of Congo