" የመንጃ ፈቃድ ዕድሳት አገልግሎት በየአቅራቢያው ማግኘት ይቻለል " - የአሽከርካሪና ተሽከርካሪ ፈቃድና ቁጥጥር ባለሥልጣን

ከመጋቢት 24 ቀን 2017 ዓ/ም ጀምሮ የመንጃ ፈቃድ ዕድሳት አገልግሎት በየአቅራቢያው በመታወቂያ አድራሻ ሳይገደብ እንዲሰጥ መፈቀዱን የአዲስ አበባ አሽከርካሪና ተሽከርካሪ ፈቃድና ቁጥጥር ባለሥልጣን አሳውቋል።

ከዚህ ቀደም የአዲስ አበባ መንጃ ፈቃድ ለማሳደስ በመንጃ ፈቃዱ ላይ ወደ ተገለጸው እና ፋይሉ ወዳለበት ክፍለ ከተማ (የመታወቂያ አድራሻ) የሚገኝ የአሽከርካሪና ተሽከርካሪ ፈቃድና ቁጥጥር ባለሥልጣን ቢሮ መሄድ ግድ ይል ነበር።

ከነገ በኃላ ግን በየትኛውም አቅራቢያ በሚገኝ ቦታ በመታወቂያ አድራሻ ሳይገደብ መንጃ ፈቃድ ማሳደስ ይቻላል ተብሏል።

ተገልጋዮች በሚቀርባቸው ቅርንጫፍ ፋይላቸው ያለበት ቅርንጫፍ ሳይጠየቅ የጤና ምርመራ ሰርተፍኬትን በመያዝ የመንጃ ፈቃድ ዕድሳት አገልግሎት እንዲያገኙ መወሰኑን ባለስልጣን መ/ቤቱ አሳውቋል።

Deposit mobilization trends of commercial banks

👉 Deposit mobilization in Derge regime (1973/74 - 1990/91)

👉 Deposit mobilization in the post economic policy reform period (1992/93 - 2012/13)

©️Ethiopian Bankers Association

@PatternFin

Industries like insurance, finance, banking and even legal are now exposed to a new kind of fraud: hyper-realistic AI-generated evidence.— this changes everything.

Because if fake “proof” looks more real than reality, then how do you verify a claim, an identity, or an incident?

Here’s where we go from here:

🔍 Move from static documents to contextual verification — GPS, timestamp, and behavioral patterns.

🧠 Use AI to detect AI — deepfake and synthetic media detection is now a core part of fraud strategy.

🔐 Add multi-factor checks — biometrics, device metadata, and source tracking (blockchain, anyone?).

⚖️ Redesign your claims and KYC workflows — especially in sectors where digital evidence is the backbone.


This is the call to action for innovation leads, strategists, and risk professionals:
🛠 Fraud is evolving. Are your systems evolving too?

𝗖𝗕𝗘 𝗥𝗲𝗽𝗼𝗿𝘁𝘀 𝟱𝟬.𝟰% 𝗠𝗮𝗿𝗸𝗲𝘁 𝗦𝗵𝗮𝗿𝗲 𝗮𝘀 𝗔𝘀𝘀𝗲𝘁𝘀 𝗦𝘂𝗿𝗽𝗮𝘀𝘀 𝗘𝗧𝗕 𝟮 𝗧𝗿𝗶𝗹𝗹𝗶𝗼𝗻

The Commercial Bank of Ethiopia (CBE) has significantly strengthened its position as the country's leading financial institution, with its total assets growing to ETB 2.073 trillion by February 2025. This represents a commanding 50.4% market share, up from 43.7% at the start of the fiscal year, according to President Abe Sano's presentation to parliament. 

The state-owned bank showed robust growth across all key metrics, with deposits reaching ETB 1.541 trillion (49.3% market share) and its loan portfolio expanding to ETB 1.393 trillion  (51.7% share). Digital transactions maintained strong performance at 50.3% market penetration, while the bank's capital base grew to 34.9% of the sector total. 

The president attributed this performance to Ethiopia's ongoing economic reforms, positioning CBE as both a beneficiary and driver of the country's financial sector transformation.

@PatternFin

Largest US Banks by Assets

@PatternFin

🇺🇸 Reciprocal Tariff

POTENTIAL AFRICAN WINNERS: Countries such as Kenya, Ghana and Ethiopia with the lowest tariffs of 10%. They have a unique opportunity to expand their exports to the U.S. at low tariffs which could make their products more price competitive.

For instance, Ethiopia, which has invested hundreds of millions in labor intensive industries for exports such as garments, and competes globally with garment industry heavyweights such as Vietnam and Bangladesh, could price outcompete these two countries which are facing increased U.S. tariffs of 46% and 37% respectively.

AFRICAN COUNTRIES FACING BIG CHALLENGES: Countries such as South Africa, Madagascar and Mauritius, slapped with very high tariffs of up to 50%. They could be significantly and negatively impacted since they won’t be price competitive as before exporting to the U.S. These countries have to quickly develop new strategies or else entire industries, geared for U.S. exports, could be decimated.

Does AGOA matter anymore for Africa?

Globalization has entered a new uncharted era and African countries need to prepare.
(Zemedeneh Nigatu)

🇺🇸 Reciprocal Tariff
******************

Ethiopia’s Competitive Edge in U.S. Exports

Ethiopia is perfectly positioned to capitalize on the new U.S. tariff structure! With only 10% tariffs on Ethiopian goods, we have a competitive advantage over key manufacturing hubs like Vietnam and Bangladesh.

✅ Low Tariffs = High Competitiveness
✅ Growing Industrial & Manufacturing Sectors
✅ Strategic Export Hub with Global Reach

(Ministry of Finance, Ethiopia)

Important information regarding Canada and Mexico from the executive order on reciprocal tariffs:

“For Canada and Mexico, the existing fentanyl/migration IEEPA orders remain in effect, and are unaffected by this order. This means USMCA compliant goods will continue to see a 0% tariff, non-USMCA compliant goods will see a 25% tariff, and non-USMCA compliant energy and potash will see a 10% tariff. In the event the existing fentanyl/migration IEEPA orders are terminated, USMCA compliant goods would continue to receive preferential treatment, while non-USMCA compliant goods would be subject to a 12% reciprocal tariff.”

𝗘𝘁𝗵𝗶𝗼𝗽𝗶𝗮 𝗦𝗲𝗰𝘂𝗿𝗲𝘀 𝗨𝗦𝗗𝟮𝟲𝟲.𝟳𝗠 𝗘𝗨 𝗙𝘂𝗻𝗱𝗶𝗻𝗴 𝗳𝗼𝗿 𝗔𝗴𝗿𝗶𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 & 𝗗𝗶𝗴𝗶𝘁𝗮𝗹 𝗦𝗸𝗶𝗹𝗹𝘀

Ethiopia and the European Union have signed a USD266 million grant agreement to support key development areas, including agribusiness, digital skills training, governance reforms, and basic health services.

The funding, part of the 2024 Annual Action Programme, aims to boost economic opportunities, strengthen institutions, and enhance regional integration. Officials highlighted the EU’s continued commitment to Ethiopia’s sustainable development. (EBR)

𝗘𝘁𝗵𝗶𝗼𝗽𝗶𝗮'𝘀 𝗙𝗼𝗿𝗲𝗶𝗴𝗻 𝗧𝗿𝗮𝗱𝗲 𝗛𝗶𝘁𝘀 𝗨𝗦𝗗 𝟰.𝟱 𝗕𝗶𝗹𝗹𝗶𝗼𝗻 𝗶𝗻 𝟴 𝗠𝗼𝗻𝘁𝗵𝘀

Ethiopia's foreign trade has surged to USD4.5 billion in the first eight months of the fiscal year, nearly doubling the USD2.6 billion recorded in 2018.

Minister of Trade and Regional Integration, Kassahun Gofe, announced plans to exceed USD6 billion by the end of the fiscal year.

A new trade policy draft aims to enhance Ethiopia's competitiveness, support WTO membership, and ensure trade sustainability.

@PatternFin

𝗘𝘁𝗵𝗶𝗼𝗽𝗶𝗮’𝘀 𝗜𝗻𝘁𝗲𝗿𝗯𝗮𝗻𝗸 𝗠𝗼𝗻𝗲𝘆 𝗠𝗮𝗿𝗸𝗲𝘁 𝗦𝘂𝗿𝗽𝗮𝘀𝘀𝗲𝘀 𝗘𝗧𝗕 𝟱𝟬𝟬 𝗕𝗶𝗹𝗹𝗶𝗼𝗻 𝗶𝗻 𝗧𝗿𝗮𝗻𝘀𝗮𝗰𝘁𝗶𝗼𝗻𝘀

The Ethiopian Securities Exchange (ESX)  has announced a major milestone in the country’s financial sector with the interbank money market (IMM surpassing ETB 500 billion in transaction volume within just six months.

This achievement highlights the growing momentum and liquidity in Ethiopia's financial markets.

Launched to improve efficiency and transparency in interbank lending, the IMM platform has quickly gained traction among financial institutions, enabling them to manage short-term liquidity needs more effectively.

#ESX #ECMA #InterBankMoneyMarket
#InterBankLending
#EthiopianBanks

@PatternFin

?𝗹𝗼𝗯𝗮𝗹 𝗚𝗶𝗮𝗻𝘁 𝗨𝗻𝗶𝗹𝗲𝘃𝗲𝗿 𝗛𝗮𝗻𝗱𝘀 𝗥𝗲𝗶𝗻𝘀 𝘁𝗼 𝗘𝘁𝗵𝗶𝗼𝗽𝗶𝗮𝗻 𝗟𝗲𝗮𝗱𝗲𝗿 𝗶𝗻 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗰 𝗠𝗼𝘃𝗲

Unilever has appointed Nesibu Temesgen as its new General Manager for Ethiopia, marking the first time a local leader will steer the multinational giant’s operations in the country.

Nesibu, a seasoned executive with nearly two decades of industry expertise, steps into the role at a pivotal time as Unilever seeks to deepen its roots in one of Africa’s most dynamic consumer markets.

Nesibu’s ascent to the top job is a testament to both his personal leadership and Unilever’s long-term investment in Ethiopian talent.

Having spent nine years with the company, most recently as Director of Customer Development, he played a pivotal role in strengthening Unilever Ethiopia’s sales and distribution networks—a critical factor in the competitive fast-moving consumer goods (FMCG) sector.

Factors affecting tariff effects

@PatternFin

JP Morgan’s Expansion: Is 🇳🇬 ready for this level of global banking integration? Yes!

JP Morgan’s planned decision to transform its Lagos office into a full-fledged business branch is a big deal for Nigeria’s financial landscape. With a merchant banking license, the global giant will bring:

✅ Increased Access to Dollar Loans – Large 🇳🇬 companies will have better financing options.

✅ Stronger Capital Markets – More advisory and investment banking services mean deeper market participation both foreign and local, possibly driving up hashtag#NGX activities.

✅ Boost in Foreign Investment – JP Morgan’s presence signals confidence in 🇳🇬, potentially attracting more global investors.

✅Improved Financial Services – World-class expertise & structured financial products for local institutions & efficient Eurobond issuances.

Overall, this move could be a major catalyst for Nigeria’s financial sector—if managed right.

@Patternfin