ISSUANCE OF DIRECTIVE NO. MFAD/TBOND/002/2025 |

A DIRECTIVE TO REPEAL THE TREASURY BOND PURCHASE DIRECTIVE NO. MFAD/TRBO/001/2022

@PatternFin

𝗘𝘁𝗵𝗶𝗼𝗽𝗶𝗮'𝘀 𝗖𝗲𝗻𝘁𝗿𝗮𝗹 𝗕𝗮𝗻𝗸 𝗘𝗻𝗱𝘀 𝗠𝗮𝗻𝗱𝗮𝘁𝗼𝗿𝘆 𝗧-𝗕𝗼𝗻𝗱 𝗣𝘂𝗿𝗰𝗵𝗮𝘀𝗲𝘀

The National Bank of Ethiopia (NBE) has ceased the mandatory 20% Treasury bond purchase for commercial banks.

This shift, announced by the Monetary Policy Committee, signals the NBE's confidence in alternative financing mechanisms for the budget deficit, including enhanced revenue collection and concessional external loans.

The 18% credit cap remains to combat inflation, a potential full removal by September offers further liquidity prospects for the banking sector.

@PatternFin

ንግድ ባንኮች የግምጃ ቤት ቦንዶችን እንዲገዙ ያስገድድ የነበረው መመሪያ ተሰረዘ

የኢትዮጵያ ብሔራዊ ባንክ ንግድ ባንኮች የግምጃ ቤት ቦንድ እንዲገዙ ያስገድድ የነበረውን መመሪያ ከሰኔ 23 ቀን 2017 ዓ.ም. ጀምሮ መሻሩን አስታውቋል።

ብሔራዊ ባንክ የንግድ ባንኮች የተወሰነ መጠን ያለው የረዥም ጊዜ የግምጃ ቤት ቦንድ እንዲገዙ ያስገድድ የነበረውን መመሪያ መሰረዙን ገልጿል።

ይህ ውሳኔ በ"የግምጃ ቤት ቦንድ ግዥ (የመሻሪያ) መመሪያ ቁጥር MFAD/TRBO/002/2025" የተገለጸ ሲሆን፣ ይህም ከሰኔ 23 ቀን 2017 ዓ.ም. ጀምሮ ስራ ላይ ውሏል።

የተሻረው መመሪያ (ቁጥር MFAD/TRBO/001/2022) ባንኮች በየወሩ ከሚሰጡት አዳዲስ ብድሮች እና ቅድሚያ ክፍያዎች መጠን ላይ ተመስርቶ የግምጃ ቤት ቦንድ እንዲገዙ ያስገድድ ነበር።

ምንም እንኳን መመሪያው ቢሻርም፣ አንዳንድ የሽግግር ድንጋጌዎች ተቀምጠዋል። በሰኔ 2017 ዓ.ም. ያልተገዙ እና በቀድሞው መመሪያ መሠረት የተመደቡ የግምጃ ቤት ቦንድ ግዥዎች በሥራ ላይ ይቆያሉ፣ እና ባንኮች እነዚህን ግዥዎች እስከ ሐምሌ 8 ቀን 2017 ዓ.ም. ድረስ ማጠናቀቅ አለባቸው።

በተጨማሪም፣ አዲሱ መመሪያ ሥራ ላይ ከመዋሉ በፊት የወጡ ወይም በሽግግር ድንጋጌው መሠረት የተፈጸሙ የግምጃ ቤት ቦንዶች እንደ አስፈላጊነቱ በቀድሞው መመሪያ ድንጋጌዎች የሚተዳደሩ ይሆናል ተብሏል። #Capital

@PatternFin

ኢትዮጵያ ብሔራዊ ባንክ የገንዘብ ፖሊሲ ኮሚቴ ምን ውሳኔ አሳለፈ ?

የኢትዮጵያ ብሔራዊ ባንክ የገንዘብ ፖሊሲ ኮሚቴ ዛሬ ውይይት አካሂዶ የተለያዩ ውሳኔዎች አሳልፏል።

1. በሁሉም ንግድ ባንኮች ላይ የተጣለው አስገዳጅ የቦንድ ግዥ እንዲነሳ ወስኗል።

ሁሉም ንግድ ባንኮች የረጅም ጊዜ የግምጃ ቤት ቦንድ (Treasury Bond) እንዲገዙ የሚያስገድደው የኢትዮጵያ ብሔራዊ ባንክ መመሪያ (MFAD/TRBO/001/2022) እንዲነሳ ወሳኔ አሳልፏል።

" አሁን ላይ የመንግሥት ገቢ የማሰባሰብ አቅም በእጅጉ በመሻሻሉ፣ እንዲሁም መንግሥት የበጀት ጉድለቱን ለሟሟላት የውጭና ገበያ መር የሆኑ የሀገር ውስጥ የመበደሪያ አማራጮችን እየተጠቀመ በመሆኑ በባንኮች ላይ ተጥሎ የቆየውን ይህ አስገዳጅ መመሪያ አሁን ላይ ማንሣቱ ተገቢ መሆኑን ኮሚቴው አምኖበታል" ብሏል።

ይህ የገንዘብ ፖሊሲ ምክረ ሐሳብ ለብሔራዊ ባንክ ቦርድ ቀርቦ ጸድቋል።

ስለ ግምጃ ቤት ቦንድ ፦ ሁሉም ንግድ ባንኮች የረጅም ጊዜ የግምጃ ቤት ቦንድ እንዲገዙ በሚያስገድደው የብሔራዊ ባንክ መመሪያ መሠረት ባንኮች መመሪያው ተግባራዊ መሆን ከጀመረበት እ.ኤ.አ. ከጃንዋሪ 2022 ጀምሮ ከአጠቃላይ ዓመታዊ ብድራቸው አምስት በመቶ የሚሆነውን ለዚህ የቦንድ ግዥ ሲያውሉ ቆይተዋል።

በዚህ መመሪያ መሠረት የገዙት ቦንድ የሚመለሰው (ለቦንድ ግዢ ያዋሉት ገንዘብ ተመላሽ የሚደረግላቸው) ከአምስት ዓመት ቆይታ በኋላ ሲሆን ፣ ባንኮቹ መመሪያው ተግባራዊ መሆን ከጀመረበት ወር አንስቶ እ.ኤ.አ. እስከ ጁን 30 ቀን 2024 ድረስ የገዙት የቦንድ መጠን 94 ቢሊዮን ብር መሆኑን የገንዘብ ሚኒስቴር የመንግሥት ዕዳ መግለጫ ያመለክታል።

2. በባንኮች ላይ የተጣለው የብድር ዕቀባ የተመለከተ ውሳኔ ተላልፏል።

በአሁኑ ወቅት በባንኮች ዓመታዊ የብድር ዕድገት ላይ የተቀመጠው የ18 በመቶ ጣሪያ እስከ መጪው መስከረም 2018 ዓ.ም. ድረስ እንዲቀጠል ኮሚቴው ወስኗል።

" አሁን ላይ የዋጋ ግሽበት የመርገብ አዝማሚያ እየተስተዋለ ቢሆንም ይህንን ማስቀጠል አስፈላጊ በመሆኑ በባንኮች ላይ የተጣለው የብድር ዕድገት ጣሪያ ባለበት እንዲቆይ ማድረግ አስፈላጊ ነው " ብሏል ኮሚቴው።

3. የብሔራዊ ባንክ የፖሊሲ ተመን (National Bank Rate) አሁን ባለበት 15 በመቶ እንዲቆይ፣ብሔራዊ ባንክ ለሚሰጣቸው ቋሚ የተቀማጭ ሂሳብ አገልግሎት (standing deposit facility)፣ ለቋሚ የብድር አገልግሎት (standing lending facility) የሚከፈሉ የወለድ ተመኖች ባሉበት እንዲቀጥሉ፣ እንዲሁም ባንኮች በብሔራዊ ባንክ የሚያስቀምጡት የግዴታ መጠባበቂያ ምጣኔ በነበረበት እንዲቆይ ተወስኗል፡፡ #Tikvah

@PatternFin

ISSUANCE OF DIRECTIVE NO. MFAD/001/2025 |

DEMATERIALIZATION OF GOVERNMENT AND NBE SECURITIES

#NBE

The National Bank of Ethiopia has mandated a complete shift from physical to electronic government securities through Directive No. MFAD/001/2025.

The reform introduces a centralized digital registry, streamlining ownership, improving transparency, and aligning with global market standards.

Investors must convert existing paper certificates to electronic form or face penalties, as Ethiopia takes a bold step toward a more secure and efficient financial future.


@PatternFin

The Awash Bank has announced that it has made a profit before tax of 22.7 billion birr in the completed fiscal year.

The bank has issued a statement to the media regarding its performance for the 2024/2025 fiscal year.

In his statement, the bank’s CEO, Mr.Tsehai Shiferaw, stated that Awash Bank has made a profit before tax of 22.7 billion birr following the completion of the fiscal year.

The CEO also explained that it was able to collect $2.1 billion in foreign exchange.
#EtSecurities

@PatternFin

𝗖𝗕𝗘 𝗥𝗲𝗮𝗰𝗵𝗲𝘀 𝗨𝗻𝗽𝗿𝗲𝗰𝗲𝗱𝗲𝗻𝘁𝗲𝗱 𝗘𝗧𝗕 𝟭.𝟲𝟵 𝗧𝗿𝗶𝗹𝗹𝗶𝗼𝗻 𝗶𝗻 𝗧𝗼𝘁𝗮𝗹 𝗗𝗲𝗽𝗼𝘀𝗶𝘁𝘀

The Commercial Bank of Ethiopia (CBE) has announced that its total deposits have reached a record-breaking ETB 1.69 trillion, following a remarkable increase of over ETB 515 billion during the just-concluded 2024/25 fiscal year.

In a statement, President Abe Sano extended heartfelt congratulations to the bank's valued customers and dedicated employees across all levels, including the Board of Directors, regional and branch teams, head office staff, and worksite supervisors.

He emphasized that this extraordinary achievement is the result of collective discipline, teamwork, unwavering commitment, and a shared sense of ownership. He further highlighted that the exceptional performance demonstrates the bank’s strength, resilience, and capacity to deliver outstanding customer service in the face of challenges. #CBE #EBR

@PatternFin

𝗔𝘄𝗮𝘀𝗵 𝗕𝗮𝗻𝗸 𝗚𝗼𝗲𝘀 𝗗𝗶𝗴𝗶𝘁𝗮𝗹 𝘄𝗶𝘁𝗵 𝟳𝟳% 𝗼𝗳 𝗦𝗲𝗿𝘃𝗶𝗰𝗲𝘀, 𝗕𝘂𝘁 𝗞𝗲𝗲𝗽𝘀 𝗣𝗹𝗮𝗻𝘁𝗶𝗻𝗴 𝗕𝗿𝗮𝗻𝗰𝗵𝗲𝘀 𝗔𝗰𝗿𝗼𝘀𝘀 𝘁𝗵𝗲 𝗡𝗮𝘁𝗶𝗼𝗻

Awash Bank S.C. reports that 77% of its services are now delivered digitally while adding 52 new branches across Ethiopia in the 2024/25 fiscal year. The bank serves over 15 million customers and continues to support various sectors through its digital and physical presence. It also registered over ETB 22 billion in pre-tax profit. #EBR

@PatternFin

To my brothers and sisters in Africa 🌍

Today, I want to share a deeply held conviction: Africa is on the verge of awakening. We have the youngest population, abundant natural resources, and boundless entrepreneurial energy. But to realize our potential, we must invest locally, transform our raw materials, and create value here at home.

I have dedicated more than $25 billion in recent years to Africa's development—in fertilizers, petrochemicals, sugar, cement, and especially refining. Our mega-refinery now processes 650,000 barrels of oil per day, not only for Nigeria, but for all of West, Central, and Southern Africa.

This isn't just an investment: it's a total commitment on my part to our continent. When we transform locally, we preserve jobs, develop our skills, and build true economic sovereignty.

Our challenges are real: insufficient infrastructure, customs barriers and bureaucracy, currency instability, and the cost of capital. But overcoming these obstacles is our collective responsibility. We, African leaders, must move from rhetoric to action, transform our sectors, and unleash our potential.

I call on all business leaders, institutions, and governments to act: let's mobilize patient capital, facilitate free movement, ratify agreements like the AfCFTA, and create ecosystems conducive to transformation. Together, we can stop exporting poverty and start exporting the wealth we have created.

Africa's future is being written today—let's build it together.

Aliko Dangote
President & CEO, Dangote Industries Limited

Zemen Bank S.C. Earns 9 Billion Birr Profit

Zemen Bank has reported a profit of 9 billion birr for the 2024/25 fiscal year, with total revenue reaching 14 billion birr. The bank’s paid-up capital has also surpassed 9 billion birr.

CEO Dereje Zebene noted the strong performance was supported by ongoing financial reforms, including the move to a floating exchange rate and the launch of the Ethiopian Capital Market.

@PatternFin

𝗦𝗶𝗶𝗻𝗾𝗲𝗲 𝗕𝗮𝗻𝗸 𝗦𝗲𝗲𝘀 𝟴𝟵𝟳% 𝗚𝗿𝗼𝘄𝘁𝗵 𝗶𝗻 𝗗𝗲𝗽𝗼𝘀𝗶𝘁𝘀, 𝗦𝘂𝗿𝗽𝗮𝘀𝘀𝗶𝗻𝗴 𝟭𝟬𝟬 𝗕𝗶𝗹𝗹𝗶𝗼𝗻 𝗕𝗶𝗿𝗿 𝗶𝗻 𝗧𝗵𝗿𝗲𝗲 𝗬𝗲𝗮𝗿𝘀 (Shega)

Siinqee Bank S.C., a three-year-old institution that evolved from a quarter-century legacy in microfinance, has increased its total deposits by an astounding 897% since its inception, reaching 102.5 billion Birr by the end of the current financial year.

Wabi, a digital credit and savings platform launched by the bank two months ago, has also quickly gained traction. The bank reported disbursing around 1.6 billion Birr through Wabi, nearly half of which were 45-day microcredit loans.
#SiinqeeBank

@PatternFin

𝗔𝘄𝗮𝘀𝗵 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗦.𝗖. 𝗥𝗲𝗴𝗶𝘀𝘁𝗲𝗿𝘀 𝗛𝗶𝘀𝘁𝗼𝗿𝗶𝗰 𝗚𝗿𝗼𝘀𝘀 𝗪𝗿𝗶𝘁𝘁𝗲𝗻 𝗣𝗿𝗲𝗺𝗶𝘂𝗺 𝗼𝗳 𝗢𝘃𝗲𝗿 𝗘𝗧𝗕 𝟰.𝟱 𝗕𝗶𝗹𝗹𝗶𝗼𝗻

Awash Insurance reported a Gross Written Premium (GWP) exceeding ETB 4.5 billion for the 2024/25 fiscal year, reflecting a 44% increase compared to the previous year.

Growth was supported by underwriting discipline, expanded distribution channels, and customer retention efforts.

The Life Assurance segment recorded over ETB 656 million in premiums, a 48% rise year-on-year. #EBR

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𝗪𝗼𝗿𝗹𝗱 𝗕𝗮𝗻𝗸 𝗔𝗽𝗽𝗿𝗼𝘃𝗲𝘀 𝗨𝗦𝗗𝟭 𝗕𝗶𝗹𝗹𝗶𝗼𝗻 𝗚𝗿𝗮𝗻𝘁 𝗮𝗻𝗱 𝗖𝗼𝗻𝗰𝗲𝘀𝘀𝗶𝗼𝗻𝗮𝗹 𝗟𝗼𝗮𝗻 𝘁𝗼 𝗦𝘂𝗽𝗽𝗼𝗿𝘁 𝗘𝘁𝗵𝗶𝗼𝗽𝗶𝗮’𝘀 𝗦𝘂𝘀𝘁𝗮𝗶𝗻𝗮𝗯𝗹𝗲 𝗚𝗿𝗼𝘄𝘁𝗵 𝗣𝗿𝗼𝗴𝗿𝗮𝗺

The World Bank has approved a USD1 billion package, comprising a grant and concessional loan, under the Second Sustainable and Inclusive Growth Development Policy Operation (DPO).

The agreement was formally signed by Ethiopia’s Finance Minister Ahmed Shide, representing the Federal Democratic Republic of Ethiopia, and Maryam Salim, World Bank Division Director for Ethiopia, Eritrea, Sudan, and South Sudan, on behalf of the World Bank Group.

The signing underscores the strong and enduring collaboration between Ethiopia and the World Bank in advancing their shared goals of inclusive and sustainable development, according to the Ministry of Finance. #EBR

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ESX Interbank Money Market Weekly Statistics

June 30, 2025 – July 4, 2025

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𝗙𝗶𝘃𝗲 𝗘𝘁𝗵𝗶𝗼𝗽𝗶𝗮𝗻 𝗜𝗻𝘀𝘂𝗿𝗲𝗿𝘀 𝗨𝗻𝗶𝘁𝗲 𝘂𝗻𝗱𝗲𝗿 𝗣𝘂𝗹𝗮 𝘁𝗼 𝗣𝗿𝗼𝘁𝗲𝗰𝘁 𝟭𝟬 𝗺𝗶𝗹𝗹𝗶𝗼𝗻 𝗙𝗮𝗿𝗺𝗲𝗿𝘀

Ethiopia’s new Agricultural Insurance Consortium (AICE), backed by five domestic insurers and Kenya’s Pula Advisors, is laying the groundwork to insure 10 million smallholder farmers.

Starting with just 200 Birr premiums, embedded within input purchases, AICE is tackling long-standing barriers: low awareness, affordability, and lack of infrastructure.

With access to Pula’s AI-driven infrastructure, including its Mauvoo platform and Insurance Engine, the initiative looks to rapidly scale in Ethiopia's insurance market, where 0.4% penetration has been the norm for quite a while. #Shega

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