Yves Binzunga Kussa: Equity BCDC Focuses on Digital Banking, Leasing and Regional Expansion

Equity BCDC is continuing its transformation in the Democratic Republic of Congo with a strategy focused on digitalization, client proximity and financial solutions tailored to businesses, SMEs and populations living in remote areas.

Based in Lubumbashi, Yves Binzunga Kussa, Deputy Managing Director of Equity BCDC, plays a key role in this vision, particularly in relation to the mining sector, extractive industries and banking development in the Greater Katanga region.

More than 20 years of banking experience

Yves Binzunga Kussa has worked in the banking sector for more than two decades. He joined Equity BCDC in April 2022 as Director of the Western Region, based in Kinshasa. In January 2023, he was appointed Director of the Southern Region, which led him to relocate to Katanga.

Following the reorganization of Equity BCDC’s management in November 2024, he was promoted to Deputy Managing Director, while retaining responsibility for the mining sector and extractive industries. From Lubumbashi, he now supports the bank’s growth strategy in one of the DRC’s most important economic regions.

Digitalization as the future of banking

For Yves Binzunga Kussa, the future of banking clearly depends on digitalization. The integration of Bank to Wallet and Wallet to Bank systems now enables the connection between bank accounts and electronic money.

This interconnection allows clients to access their accounts, carry out remote transactions and benefit from financial services without necessarily visiting a branch.

In a country as vast as the DRC, where many areas remain difficult to access, this approach is a major driver of financial inclusion.

Reaching clients in remote areas

Equity BCDC currently positions itself as one of the banks with the highest client acquisition rates in remote areas. This performance is supported by a solution called Fonds Solutions, which enables remote account opening.

Through its ambassadors and banking agents, client identification is carried out directly on the ground using identity documents. Accounts can then be opened immediately, giving clients access to a range of digital services.

This model brings banking services closer to populations living far from urban centers and strengthens financial access in underserved territories.

Leasing as a new tool for businesses

Equity BCDC is also preparing the official launch of its leasing offer during DRC Mining Week.

A dedicated leasing department has recently been established, bringing together experienced teams from both the banking sector and the equipment industry. The product is ready and aims to meet the needs of companies, particularly in the mining, industrial and productive sectors.

Leasing could become an important tool to facilitate access to equipment, support investment and accompany business growth in the DRC.

A universal bank with a strong SME focus

Equity BCDC defines itself as a universal bank, while maintaining a strong focus on mass banking and SMEs.

The bank currently serves more than 2 million clients across the DRC, including nearly 400,000 in Katanga. Mass-market clients and SMEs represent around 80% of its portfolio.

This orientation explains the strength of its physical and digital network. In Greater Katanga, Equity BCDC operates around 18 branches, about ten advanced service points and more than 2,000 banking agents.

Nationwide, the bank has more than 20,000 banking agents, including over 3,000 in Greater Katanga. Its objective is to reach 5 million clients in the near future.

Expansion through strategic economic corridors

Equity BCDC is also continuing its expansion with the upcoming opening of a branch in Kalémie, where works are already underway. This new presence aims to better serve local clients and facilitate trade with Kigoma in Tanzania, as well as with areas such as Maniema and Kindu.

The bank is also developing several strategic economic corridors, including the northern corridor toward Manono, the Sakania–Mwanda corridor via Kamina, the development axis around Kolwezi and Dilolo, and the Kasenga corridor.

This approach allows Equity BCDC to support economic flows, businesses, local communities and activities linked to mining, trade and cross-border exchanges.

A clear ambition: reaching 5 million clients

With a strategy based on digitalization, financial inclusion, territorial coverage and SME support, Equity BCDC confirms its ambition to become even closer to Congolese realities.

The announced target of 5 million clients reflects the bank’s commitment to expanding access to financial services, supporting entrepreneurs and strengthening banking presence in high-potential regions.

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