In a tough competitive environment, XAMA FINANCE BANK in France crossed avecsuccs the second stage of its Triennial Plan deDveloppement (PTD) 2013-2020, which foresaw, in 2016, a growth of its domainesdactivit and strong rentabilit.Pendant this exercise, our dmarche has Consist seek the best adquation between dunepart, rigor management and continuing effortsde productivity, and, second, the trade dunedynamique willingness organisationcommerciale supported by a well structure and toffe.