Vision, Mission, Values


To become a world-class financial institution that provides superior returns for all stakeholders as follows: 

Our customers: The best place to bank
Our shareholders: The best place to invest
Our employees: The best place to work
Our regulators: The best place to benchmark



To be amongst the top three banks in Benin by December 2018, based on all key performance indicators: deposits, fees, quality of loan book, cost to income ratio, and anchored on three key pillars -

  • Our people
  • Our service and processes, and
  • Return to stakeholders.



Driven to Exceed Expectations (Can-Do Attitude)

  • Customers: We are driven to exceed your expectations.
  • Processes: Our drive propels every aspect of our business.
  • Employees: We are driven to build our organization with our contributions.
  • Community: We know that the momentum of our drive can propel our community.



  • Customers: Our customers value our integrity.
  • Processes: We approach every aspect of our work with the highest standards of integrity.
  • Employees: We recognize the value of each other's contributions and know that we work together to form an integral whole.
  • Community: We know we are integral to our community and we take this responsibility very seriously.


Passionate to Serve

  • Customers: We know that we exist to serve our customers.
  • Processes: Our technology aids our processes which serve our organization comprehensively.
  • Employees: We know that by serving each other willingly, we build ourselves.
  • Community: We see no difference between ourselves and the community we serve.


Culture of Excellence

  • Customers: We promise our customers an excellent banking experience at Fema: excellent products, excellent service, and an excellent environment.
  • Processes: We get it right the first time, every time.
  • Employees: We believe that excellence is attainable.
  • Community: Our community expects excellence from us and we don't disappoint.


Serving the Community

  • To support Community and social event.
  • We encourage community to move from a pro – spending life to a saving culture.