Pattern Finance and Investment - ፋይናንስ
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THE COBRA EFFECT
During the British rule in India, officials grew concerned about the rising number of venomous cobras in Delhi. To tackle the issue, they introduced a bounty for every dead snake.
At first, the policy seemed successful, many cobras were killed.
But soon, an unintended consequence appeared. Enterprising locals began breeding cobras to claim the reward. Once the government realized this loophole and scrapped the bounty program, the breeders released their now-worthless snakes.
The result? The cobra population surged to even higher levels than before.
This episode is remembered as the Cobra Effect, a classic example of how well-meaning incentives can backfire, producing the exact opposite of the intended outcome.
The “Cobra Effect” is such a powerful reminder that policies and incentives don’t just create results, they create behaviours.
When you reward outcomes without thinking of human ingenuity, people will always find a shortcut.
That’s why in governance, business, or even personal systems — designing incentives matters more than setting targets. Otherwise, you end up with more cobras, not less.
@PatternFin
During the British rule in India, officials grew concerned about the rising number of venomous cobras in Delhi. To tackle the issue, they introduced a bounty for every dead snake.
At first, the policy seemed successful, many cobras were killed.
But soon, an unintended consequence appeared. Enterprising locals began breeding cobras to claim the reward. Once the government realized this loophole and scrapped the bounty program, the breeders released their now-worthless snakes.
The result? The cobra population surged to even higher levels than before.
This episode is remembered as the Cobra Effect, a classic example of how well-meaning incentives can backfire, producing the exact opposite of the intended outcome.
The “Cobra Effect” is such a powerful reminder that policies and incentives don’t just create results, they create behaviours.
When you reward outcomes without thinking of human ingenuity, people will always find a shortcut.
That’s why in governance, business, or even personal systems — designing incentives matters more than setting targets. Otherwise, you end up with more cobras, not less.
@PatternFin
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አንበሳ ኢንተርናሽናል ባንክ በተጠናቀቀው ሂሳብ ዓመት የ1.8 ቢሊዮን ብር ትርፍ ማስመዝገቡን አስታወቀ
አንበሳ ኢንተርናሽናል ባንክ በ2017 በጀት ዓመት ፈታኝ በሆነው የኢኮኖሚ ሁኔታ ውስጥ ቢሆንም የላቀ የፋይናንስና የአሠራር ውጤት በማስመዝገብ፣ ከግብር በፊት 1.8 ቢሊዮን ብር ትርፍ ማግኘቱን አስታውቋል።
ይህ ትርፍ ካለፈው ዓመት ጋር ሲነጻጸር የ94% ጭማሪ ያሳየ ሲሆን፣ ባንኩ ጠቅላላ ተቀማጭ ገንዘቡ በ23% በማደግ 44.0 ቢሊዮን ብር እንደደረሰና ጠቅላላ ብድርና ቅድሚያ ክፍያው ደግሞ በ19% ጨምሮ 36.2 ቢሊዮን ብር መድረሱን ገልጿል።
የባለአክሲዮኖችን 21ኛዉ መደበኛ ጠቅላላ ጉባኤ ዛሬ ያደረገው አንበሳ ባንክ፣ የአገልግሎት ተደራሽነትን ለማሻሻል የቅርንጫፍ መረቡን በ35 አዳዲስ መውጫዎች በማስፋፋት ጠቅላላ 341 ቅርንጫፎች ያደረሰ ሲሆን፣ በዲጂታል ትራንስፎርሜሽኑ ላይም ሰፊ ዕድገት አስመዝግቧል።
በዚህ አፈጻጸም የተነሳ፣ የባንኩ ጠቅላላ ንብረቶች በ25% አድገው 54 ቢሊዮን ብር ሲደርሱ፣ የተከፈለ ካፒታሉ ደግሞ በ21% በማደግ 3.7 ቢሊዮን ብር መሆኑን በዓመታዊ ሪፖርቱ አስታዉቋል። #Capital
አንበሳ ኢንተርናሽናል ባንክ በ2017 በጀት ዓመት ፈታኝ በሆነው የኢኮኖሚ ሁኔታ ውስጥ ቢሆንም የላቀ የፋይናንስና የአሠራር ውጤት በማስመዝገብ፣ ከግብር በፊት 1.8 ቢሊዮን ብር ትርፍ ማግኘቱን አስታውቋል።
ይህ ትርፍ ካለፈው ዓመት ጋር ሲነጻጸር የ94% ጭማሪ ያሳየ ሲሆን፣ ባንኩ ጠቅላላ ተቀማጭ ገንዘቡ በ23% በማደግ 44.0 ቢሊዮን ብር እንደደረሰና ጠቅላላ ብድርና ቅድሚያ ክፍያው ደግሞ በ19% ጨምሮ 36.2 ቢሊዮን ብር መድረሱን ገልጿል።
የባለአክሲዮኖችን 21ኛዉ መደበኛ ጠቅላላ ጉባኤ ዛሬ ያደረገው አንበሳ ባንክ፣ የአገልግሎት ተደራሽነትን ለማሻሻል የቅርንጫፍ መረቡን በ35 አዳዲስ መውጫዎች በማስፋፋት ጠቅላላ 341 ቅርንጫፎች ያደረሰ ሲሆን፣ በዲጂታል ትራንስፎርሜሽኑ ላይም ሰፊ ዕድገት አስመዝግቧል።
በዚህ አፈጻጸም የተነሳ፣ የባንኩ ጠቅላላ ንብረቶች በ25% አድገው 54 ቢሊዮን ብር ሲደርሱ፣ የተከፈለ ካፒታሉ ደግሞ በ21% በማደግ 3.7 ቢሊዮን ብር መሆኑን በዓመታዊ ሪፖርቱ አስታዉቋል። #Capital
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SBB952025_RISK_BASED_CAPITAL_ADEQUACY_REQUIREMENTS_FOR_BANKS_DIRECTIVE.pdf
21 MB
New directive release!
RISK BASED CAPITAL ADEQUACY REQUIREMENTS FOR BANKS DIRECTIVE
SBB/95/2025
RISK BASED CAPITAL ADEQUACY REQUIREMENTS FOR BANKS DIRECTIVE
SBB/95/2025
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𝐄𝐭𝐡𝐢𝐨𝐩𝐢𝐚𝐧 𝐑𝐞𝐬𝐞𝐚𝐫𝐜𝐡𝐞𝐫 𝐏𝐚𝐭𝐞𝐧𝐭𝐬 𝐚 𝐁𝐚𝐧𝐤𝐢𝐧𝐠 𝐌𝐨𝐝𝐞𝐥 𝐖𝐡𝐞𝐫𝐞 𝐁𝐚𝐧𝐤𝐬 𝐃𝐨𝐧’𝐭 𝐋𝐞𝐧𝐝 𝐌𝐨𝐧𝐞𝐲
Ameha Tefera Tessema(DBL), an Ethiopian banking researcher, has developed the Commission–Agent Banking System (CABS-AT), a patented financial model designed to reimagine credit intermediation. Unlike conventional banks that lend their own capital, CABS-AT positions financial institutions as intermediaries connecting investors and borrowers, transferring liquidity and credit risks away from banks while maintaining oversight and repayment controls.
Recognised internationally for its novelty and practical applicability, the system offers flexible pricing suitable for both conventional and Islamic banking, enables collateral-free lending through loan-default insurance, and facilitates cross-border transactions. Designed to promote financial stability, inclusion, and risk-awareness, CABS-AT represents a potential new paradigm in banking.
In this exclusive interview with Birrmetrics, Dr Ameha explains how the system functions, the challenges it addresses, and its promise for transforming financial intermediation.
Link: https://lnkd.in/e-maS4bB
Ameha Tefera Tessema(DBL), an Ethiopian banking researcher, has developed the Commission–Agent Banking System (CABS-AT), a patented financial model designed to reimagine credit intermediation. Unlike conventional banks that lend their own capital, CABS-AT positions financial institutions as intermediaries connecting investors and borrowers, transferring liquidity and credit risks away from banks while maintaining oversight and repayment controls.
Recognised internationally for its novelty and practical applicability, the system offers flexible pricing suitable for both conventional and Islamic banking, enables collateral-free lending through loan-default insurance, and facilitates cross-border transactions. Designed to promote financial stability, inclusion, and risk-awareness, CABS-AT represents a potential new paradigm in banking.
In this exclusive interview with Birrmetrics, Dr Ameha explains how the system functions, the challenges it addresses, and its promise for transforming financial intermediation.
Link: https://lnkd.in/e-maS4bB
lnkd.in
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ኢትዮስዊች እና ማስተርካርድ አለምአቀፍ የክፍያ አቅምን ለማስፋፋት ስትራቴጂካዊ አጋርነት ፈጠሩ
የኢትዮጵያን የዲጂታል ክፍያ ሥርዓት ወደ ላቀ ደረጃ ለማድረስ እና አገሪቱን ከአለም አቀፍ የፋይናንስ መረብ ጋር ለማገናኘት ያለመ ስትራቴጂካዊ ትብብር ተፈጥሯል።
ኢትዮስዊች እና ማስተርካርድ አዲስ የንግድ ስምምነት መፈራረማቸውን በዛሬው ዕለት አስታውቀዋል። ይህ ስምምነት ለፋይናንስ ተቋማት፣ ለንግድ ድርጅቶች እና ለሸማቾች የሚጠቅሙ አዳዲስ፣ ደህንነታቸው የተጠበቀ እና ዓለም አቀፍ ተቀባይነት ያላቸውን የክፍያ መፍትሄዎች ለማስተዋወቅ ያለመ መሆኑ ተጠቁሟል።
በዚህ የመግባቢያ ስምምነት መሰረት ማስተርካርድ እና ኢትዮስዊች የተለያዩ አለም አቀፍ የክፍያ አቅሞችን ተግባራዊ ለማድረግ በጋራ ይሰራሉ ተብሏል።
ስምምነቱ ኢትዮስዊችን በማስተርካርድ ኢንተርፌስ ፖይንት (MIP) እና በማስተርካርድ አለምአቀፍ የክፍያ ጌትዌይ አገልግሎቶች (MPGS) አማካኝነት ከማስተርካርድ ኔትወርክ ጋር በቀጥታ የሚያገናኝ ሲሆን፣ ይህ ደግሞ የኢትዮጵያ ንግዶች አለምአቀፍ ክፍያዎችን እንዲቀበሉ በማድረግ ለድንበር ተሻጋሪ ንግድ ሰፊ ዕድሎችን እንደሚከፍት ይጠበቃል።
#Capital
@PatternFin
የኢትዮጵያን የዲጂታል ክፍያ ሥርዓት ወደ ላቀ ደረጃ ለማድረስ እና አገሪቱን ከአለም አቀፍ የፋይናንስ መረብ ጋር ለማገናኘት ያለመ ስትራቴጂካዊ ትብብር ተፈጥሯል።
ኢትዮስዊች እና ማስተርካርድ አዲስ የንግድ ስምምነት መፈራረማቸውን በዛሬው ዕለት አስታውቀዋል። ይህ ስምምነት ለፋይናንስ ተቋማት፣ ለንግድ ድርጅቶች እና ለሸማቾች የሚጠቅሙ አዳዲስ፣ ደህንነታቸው የተጠበቀ እና ዓለም አቀፍ ተቀባይነት ያላቸውን የክፍያ መፍትሄዎች ለማስተዋወቅ ያለመ መሆኑ ተጠቁሟል።
በዚህ የመግባቢያ ስምምነት መሰረት ማስተርካርድ እና ኢትዮስዊች የተለያዩ አለም አቀፍ የክፍያ አቅሞችን ተግባራዊ ለማድረግ በጋራ ይሰራሉ ተብሏል።
ስምምነቱ ኢትዮስዊችን በማስተርካርድ ኢንተርፌስ ፖይንት (MIP) እና በማስተርካርድ አለምአቀፍ የክፍያ ጌትዌይ አገልግሎቶች (MPGS) አማካኝነት ከማስተርካርድ ኔትወርክ ጋር በቀጥታ የሚያገናኝ ሲሆን፣ ይህ ደግሞ የኢትዮጵያ ንግዶች አለምአቀፍ ክፍያዎችን እንዲቀበሉ በማድረግ ለድንበር ተሻጋሪ ንግድ ሰፊ ዕድሎችን እንደሚከፍት ይጠበቃል።
#Capital
@PatternFin
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ስኬት ባንክ አጠቃላይ የካፒታል መጠኑን 9.4 ቢሊዮን ብር አደረሰ!
ስኬት ባንክ አ.ማ የባለአክስዮኖች 3ኛ መደበኛ ጠቅላላ ጉባዔውን ህዳር 20 ቀን 2018 ዓ.ም በሸራተን አዲስ ሆቴል አካሂዷል፡፡
በጉባኤው ላይ የስኬት ባንክ የዳይሬክተሮች ቦርድ ሰብሳቢ አቶ ጥላሁን ወርቁ የ2024/2025 የሒሳብ ዓመት ዓመታዊ ሪፖርት ለባለአክሲዮኖች ያቀረቡ ሲሆን ባንኩ በተጠናቀቀው በጀት ዓመት አጠቃላይ የካፒታል መጠኑ 9.4 ቢሊዮን ብር መድረሱን እንዲሁም 1.24 ቢሊዮን ብር የተጣራ ትርፍ ማስመዝገቡንም ተናግረዋል።
ባንኩ በ2024/25 በጀት ዓመት ጠቅላላ የሃብት መጠኑን 19.3 ቢሊዮን ብር ያደረሰ ሲሆን የተከፈለ የካፒታል መጠኑን ከ6.9 ቢሊዮን ብር ወደ 7.84 ቢሊዮን ብር ያሳደገ ሲሆን ጠቅላላ የደንበኞቹን ቁጥር 615 ሺህ ማድረስ መቻሉን በጉባዔው ላይ ተገልጿል፡፡
#Tikvah
@PatternFin
ስኬት ባንክ አ.ማ የባለአክስዮኖች 3ኛ መደበኛ ጠቅላላ ጉባዔውን ህዳር 20 ቀን 2018 ዓ.ም በሸራተን አዲስ ሆቴል አካሂዷል፡፡
በጉባኤው ላይ የስኬት ባንክ የዳይሬክተሮች ቦርድ ሰብሳቢ አቶ ጥላሁን ወርቁ የ2024/2025 የሒሳብ ዓመት ዓመታዊ ሪፖርት ለባለአክሲዮኖች ያቀረቡ ሲሆን ባንኩ በተጠናቀቀው በጀት ዓመት አጠቃላይ የካፒታል መጠኑ 9.4 ቢሊዮን ብር መድረሱን እንዲሁም 1.24 ቢሊዮን ብር የተጣራ ትርፍ ማስመዝገቡንም ተናግረዋል።
ባንኩ በ2024/25 በጀት ዓመት ጠቅላላ የሃብት መጠኑን 19.3 ቢሊዮን ብር ያደረሰ ሲሆን የተከፈለ የካፒታል መጠኑን ከ6.9 ቢሊዮን ብር ወደ 7.84 ቢሊዮን ብር ያሳደገ ሲሆን ጠቅላላ የደንበኞቹን ቁጥር 615 ሺህ ማድረስ መቻሉን በጉባዔው ላይ ተገልጿል፡፡
#Tikvah
@PatternFin
The National Bank of Ethiopia has issued Directive No. SBB/95/2025 – Risk-Based Capital Adequacy Requirements for Banks, introducing updated regulatory provisions in line with ongoing financial sector reforms.
The Directive aims to strengthen regulatory clarity, enhance sound banking practices, and support a stable, efficient, and inclusive financial system.
Explore the key highlights in the explainer graphics and read the full Directive at nbe.gov.et/directive.
@PatternFin
The Directive aims to strengthen regulatory clarity, enhance sound banking practices, and support a stable, efficient, and inclusive financial system.
Explore the key highlights in the explainer graphics and read the full Directive at nbe.gov.et/directive.
@PatternFin
CBE Launches Direct Agricultural Loans for Smallholder Farmers
CBE has launched a new loan product specifically designed for smallholder farmers and pastoralists. The service, announced at an event attended by State Minister of Agriculture, Meles Mekonnen (PhD) and other officials, marks a direct effort to increase formal credit access for individual farmers and herding groups.
Unlike the bank's existing agricultural loans, this new product targets the needs of small-scale producers. CBE's Corporate Services Executive Vice President, Ephrem Mekuria, stated the loans will support a range of activities including crop and vegetable production, animal husbandry, fertilizers, dairy farming, and the purchase of machinery.
Farmers who own agricultural land, are organized in groups, have been with the bank for 6 months or more, and are engaged in crop cultivation, vegetables and fruits, milk and milk products, and livestock development will benefit from the service. #EBR
@PatternFin
CBE has launched a new loan product specifically designed for smallholder farmers and pastoralists. The service, announced at an event attended by State Minister of Agriculture, Meles Mekonnen (PhD) and other officials, marks a direct effort to increase formal credit access for individual farmers and herding groups.
Unlike the bank's existing agricultural loans, this new product targets the needs of small-scale producers. CBE's Corporate Services Executive Vice President, Ephrem Mekuria, stated the loans will support a range of activities including crop and vegetable production, animal husbandry, fertilizers, dairy farming, and the purchase of machinery.
Farmers who own agricultural land, are organized in groups, have been with the bank for 6 months or more, and are engaged in crop cultivation, vegetables and fruits, milk and milk products, and livestock development will benefit from the service. #EBR
@PatternFin
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