የባንኮች ዝርዝርና አድራሻቸዉ

Lists of Banks and Address

Address
No. Name of the Bank Location Telephone
1 Commercial Bank of Gambia street 011 551 12 71
Ethiopia
የኢትዮጵያ ንግድ ባንክ
2 Development Bank of Josef broztito 011 551 31 20
Ethiopia
የኢትዮጵያ ልማት ባንክ
3 Awash International Near to National 011 557 00 65
Bank Theater

አዋሽ ኢንተርናሺናል ባንክ

4 Dashen Bank Near to NBE 011 465 41 27
ዳሸን ባንክ
5 Bank of Abyssinia Leghar 011 553 06 63

አቢሲኒያ ባንክ
6 Wegagen Bank Dembel City center 011 552 35 26
ወጋገን ባንክ

7 United Bank Debrezeyt Road 011 465 52 84

(lanchaa kababi)
ሕብረት ባንክ
8 Nib International Bank Dembel City center 011 5 50 33 04

ንብ ኢንተርናሺናል ባንክ
9 Lion International Bank Haile G/sellasie 011 662 71 11
avenue
አንበሳ ኢንተርናሺናል ባንክ
10 Cooperative Bank of Flamingo 011 5150229
Oromia
ኦሮሚያ ሕብረት ስራ ባንክ
11 Oromia International Bole Africa Avenue 011 557 20 01
Bank
ኦሮሚያኢንተርናሺናልባንክ
12 Zemen Bank Kasanchis 011 554 00 57
ዘመንባንክ
13 Bunna International Bank Aratkilo Dabir 011 155 47 83
building
ቡና ኢንተርናሺናል ባንክ
14 Berhan International Bole Bridge home 011 663 01 25
Bank tsadiku building
ብርሃን ኢንተርናሺናል ባንክ
15 Abay Bank Jomo kenyatta street 011 552 86 90

አበይ ባንክ
16 Addis International Bank BambisZukala 011 554 97 74
Building
አዲስ ኢንተርናሺናል ባንክ
17 Debub Global Bank Behind Ethiopian 011 558 12 58
Hotel national tower
building
ደቡብ ግሎባል ባንክ
18 Enat Bank Enat Tower Building 011 550 70 74
እናት ባንክ
CBE - - - - - - - -
AIB 74,635.40 16.70 47,262.07 18.39 59,616.06 16.59 7,005.12 12.80
DB 56,218.41 12.58 32,576.38 12.68 44,721.51 12.45 6,846.78 12.51
BOA 39,294.43 8.79 23,735.00 9.24 32,146.45 8.95 4,950.40 9.05
WB 29,770.01 6.66 16,451.31 6.40 23,545.28 6.55 4,293.62 7.85
UB 35,736.10 7.99 21,723.41 8.45 29,079.85 8.09 3,859.59 7.05
NIB 33,717.42 7.54 19,440.35 7.57 27,663.71 7.70 4,411.04 8.06
LIB 20,391.56 4.56 11,852.58 4.61 16,396.67 4.56 2,559.45 4.68
CBO 41,790.80 9.35 22,159.17 8.62 36,168.28 10.07 3,289.56 6.01
ZB 14,689.02 3.29 7,777.76 3.03 11,625.17 3.24 2,332.62 4.26
OIB 31,779.31 7.11 17,486.83 6.81 26,589.12 7.40 3,712.59 6.78
BuIB 14,494.78 3.24 8,281.21 3.22 10,586.66 2.95 2,568.85 4.69
BrB 19,172.56 4.29 10,215.77 3.98 14,964.28 4.16 2,795.97 5.11
AB 15,106.30 3.38 7,711.49 3.00 11,598.38 3.23 2,457.46 4.49
AdIB 5,514.85 1.23 2,677.41 1.04 3,946.56 1.10 1,111.64 2.03
DGB 5,487.51 1.23 2,451.67 0.95 3,523.44 0.98 994.25 1.82
EB 9,201.55 2.06 5,132.92 2.00 7,118.28 1.98 1,535.15 2.81
Public - - - - - - - -
Private 447,000.01 100.00 256,935.33 100.00 359,289.68 100.00 54,724.07 100.00
Total Sector 447,000.01 100.00 256,935.33 100.00 359,289.68 100.00 54,724.07 100.00
 A V
81 Commercial Bank of Ethiopia
82 Financial Ratios (%)
83 2010
84 Description
85 Return on Assets 2.95
86 Return on Equity 37
87 Profit Margin 44
88 Gross yeild on Asset 7
89 Interest income /Av.Assets 4
90 Non Interest Income/Av. Assets 3
91 Equity Multiplier 13
92 Net Interest Margin 3
93 Speard 1
94 Efficiency Ratio 186
95 Non interst income/Gross Revenue 39
96 Interest income/Gross Revenue 61
97 Non interst expense/Gross revenue 21
98 Salary & benefit/Non Interest Expense 46
99 Liquid Assets/Deposits 29
100 Liquid Assets/Total assets 21
101 Loan to total deposit 44
 A V
64 Construction and Business Bank
65 Year-ending June Income Statement
66 (In millions of Birr)
67
68 2010
69 Descriptions
70 Interest Income 161.30
71 Interest Expense 61.12
72 Net Interest Income 100.19
73 Service Charge & Commission Income
74 Other Income 105.04
75 Total Non Interest Income 105.04
76 Net Interest Income & Non Interest income 205.23
77 Employees Salary & Benefits 37.13
78 Provision For Doubtful Loans
79 General Expenses 37.20
80 Total Non Interest Expenses 74.33
81 Prior Ajustment
82 Operating Income before Tax 130.90
83 Tax 39.27
84 Net Income After Tax & Provisions 91.63
 Development Bank of Ethiopia
Balance Sheet
Year ending June
(In millions of Birr)

Assets 2017 2018

Cash on hand 37.93 28.36

Cash at Bank 1,606.05 4,364.33
Reserve Account with NBE
Deposit with foreign Banks 2,960.62 2,581.23
Treasury Bills
Other Investments 15,048.32 31,645.72
Trust fund
Sundury Debtors & Other debit balances 2,117.96 4,343.84
Total Loans & Advances 35,371.03 41,225.81
Less Provision For Doubtful Debts 7,803.83 11,811.48
Net Loans & advances 27,567.20 29,414.33
Customers liability
Fixed assets 845.05 823.23
Total Asset 50,183.14 73,201.04
Liabilities
Deposits 990.31 1,112.95
Demand Deposits 315.30 565.57
Saving Deposits 569.36 441.77
Fixed Deposits 105.65 105.61
Foreign bank their a/c
Trust fund
Short term loans
Other credit balances 43,991.36 67,772.13
Margin held on L/C 542.70 1,482.38
Long term loans
Provision for taxation 10.14 276.50
State dividened payable
Other provisions
Bank's liability
Capital & reserves 4,648.63 2,557.08
Authorized & paid 7,500.00 7,500.00
Legal reserves 176.53 176.53
General & special reserves 1,671.59 2,111.91
Retaned Earning (4,699.49) (7,231.36)
Profit & loss A/C
Total 50,183.14 73,201.04
(0.01) 0.00

Development Bank of Ethiopia

Income Statement
Year ending June
( In millions of Birr)
2017 2018
Description
Interest Income 3,212.52 4,682.20
Interest Expense 1,354.73 1,585.70
Net Interest Income 1,857.79 3,096.50
Service Charge & Commission Income 120.13 278.32
Other Income 76.79 88.51
Total Non Interest Income 196.92 366.83
Net Interest Income & Non Interest income 2,054.71 3,463.33
Employees Salary & Benefits 405.11 475.80
Provision For Doubtful Loans and other assets 1,742.09 4,344.39
General Expenses 238.27 318.28
Total Non Interest Expenses 2,385.47 5,138.47
Prior Year Ajustment
Operating Income before Tax (330.76) (1,675.14)
Tax 52.09 202.63
Net Income After Tax & Provisions (382.85) (1,877.77)

Development Bank of Ethiopia

Financial Ratios
( In percent)
2017 2018
Description
Return on Assets (1.53) (3.04)
Return on Equity (16.47) (52.12)
Profit Margin (11.23) (37.19)
Gross yeild on Asset 13.59 8.18
Interest income /Av.Assets 12.80 7.59
Non Interest Income/Av. Assets 0.78 0.59
Equity Multiplier 10.80 17.12
Net Interest Margin 3.48 4.10
Speard (194.68) (283.48)
Efficiency Ratio 8.25 7.14
Non interst income/Gross Revenue 5.78 7.27
Interest income/Gross Revenue 94.22 92.73
Non interst expense/Gross revenue 69.97 101.77
Salary & benefit/Non Interest Expense 16.98 9.26
Liquid Assets/Deposits 464.97 626.62
Liquid Assets/Total assets 9.18 9.53
Interst margin/gross income 54.49 61.33
loan/deposit 3,571.71 3,704.19
 A V W X
2 Awash International Bank
3 Balance Sheet
4 Year ending June
5 ( In millions of Birr)
6
7 2010 2011 2012
8 Assets
9 Cash on hand 424.50 518.66 422.05
10 Cash at Bank 3.36 74.67 71.54
11 Reserve Account with NBE 1,660.89 2,271.37 1,137.07
12 Deposit with foreign Banks 1,153.80 1,183.40 1,304.72
13 Treasury bills 800.00 - 225.00
14 Other Investments 5.82 1,603.12 2,531.83
15 Trust Funds
16 Sundury Debtors & Other debit balances 671.92 365.58 561.69
17 Total Loans Advances 3,145.69 3,986.46 5,504.61
18 Less Provision For Doubtful Debts 148.31 144.91 148.89
19 Net Loans & advances 2,997.38 3,841.55 5,355.72
20 Customers' liability for L/C 1,078.21 973.44 1,188.53
21 Fixed assets 227.12 257.43 327.07
22 Total Asset 7,944.78 10,115.78 11,936.68
23 Liabilities
24 Deposits 6,105.94 7,743.78 9,204.36
25 Demand Deposits 1,383.09 2,014.01 2,158.29
26 Saving Deposits 4,660.89 5,647.59 6,565.01
27 Fixed Deposits 61.96 82.18 481.06
28 Foreign Bank their A/C
29 Trust Funds
30 Short term loans
31 Other credit balances 426.65 590.53 585.34
32 Margin held on L/C 349.56 300.75 360.18
33 Loang term loans
34 Provision for taxation 103.28 144.44 136.18
35 State dividend payable
36 Other provisions
37 Bank's liability to L/C 1,078.21 973.44 1,188.53
38 Capital & reserves 940.33 1,308.19 1,610.33
39 Authorized & paid 550.00 734.07 912.25
40 Legal reserves 213.94 304.10 402.71
41 General & Special reserves - - -
42 Retained Earning 19.02 28.31 40.31
43 Profit & loss A/C 176.38 270.02 295.37
44 Total 7,944.78 10,115.99 11,936.68
45 0.00 (0.21) 0.00
51 * 2009 data is Eighteen months ended 30.06.09
52
53
54 Awash International Bank
55 Year-ending June Income Statement
56 ( In millions of Birr)
57
58 2010 2011 2012
59 Description
60 Interest Income 303.33 394.71 668.69
61 Interest Expense 154.92 209.47 284.94
62 Net Interest Income 148.41 185.24 383.76
63 Service Charge & Commission Income 129.13 257.14 251.32
64 Other Income 254.24 275.70 190.71
65 Total Non Interest Income 383.38 532.84 442.04
66 Net Interest Income & Non Interest income 531.78 718.08 825.79
67 Employees Salary & Benefits 93.61 121.15 150.26
68 Provision For Doubtful Loans and other assets 17.90 5.21 11.25
69 General Expenses 69.44 86.65 133.69
70 Total Non Interest Expenses 180.95 213.01 295.20
71 Prior Year Ajustment
72 Operating Income before Tax 350.84 505.07 530.60
73 Tax 103.28 144.44 136.18
74 Net Income After Tax & Provisions 247.56 360.63 394.42
 Dashen Bank
Balance Sheet
Year ending June
(In millions of Birr)

Assets
Cash on hand
Cash at Bank
Reserve Account with NBE
Deposit with foreign Banks
Treasury Bills
Other Investments
Trust fund
Sundury Debtors & Other debit balances
Total Loans & Advances
Less Provision For Doubtful Debts
Net Loans & advances
Customers' liability for L/C
Fixed assets
Total Asset
Liabilities
Deposits
Demand Deposits
Saving Deposits
Fixed Deposits
Foreign bank their a/c
Trust fund
Short term loans
Other credit balances
Margin held on L/C
Long term loans
Provision for taxation
State /dividened payable
Other provisions
Bank's liability
Capital & reserves
Authorized & paid
Legal reserves
General & Special Reserves
Retaned Earning
Profit & loss A/C
Total

Dashen Bank
Income Statement
Year ending June
( In millions of Birr)

Description
Interest Income
Interest Expense
Net Interest Income
Service Charge & Commission Income
Other Income
Total Non Interest Income
Net Interest Income & Non Interest income
Employees Salary & Benefits
Provision For Doubtful Loans and other assets
General Expenses
Total Non Interest Expenses
Prior Year Ajustment
Operating Income before Tax
Tax
Net Income After Tax & Provisions
 Coperative Bank of Oromia
Balance Sheet
Year ending June
(In millions of Birr)

Assets 2010

Cash on hand 244.09

Cash at Bank 3.14
Reserve Account with NBE 432.31
Deposit with foreign Banks 171.98
Treasury Bills -
Other Investments 23.50
Non current asset held for sale
Sundury Debtors & Other debit balances 154.79
Total Loans & Advances 721.77
Less Provision For Doubtful Debts 18.26
Net Loans & advances 703.51
Customers liability
Fixed assets 35.00
Total Asset 1,768.32
Liabilities
Deposits 1,371.81
Demand Deposits 534.29
Saving Deposits 570.58
Fixed Deposits 266.95
Foreign bank their a/c
Trust fund
Short term loans
Other credit balances 136.65
Margin held on L/C 71.14
Long term loans
Provision for taxation
State dividened payable
Other provisions
Bank's liability
Capital & reserves 189.00
Authorized & paid 158.77
Legal reserves 10.47
General & special reserves
Retaned Earning 19.77
Profit & loss A/C
Total 1,768.61
(0.29)
 Bank of Abyssinia
Balance Sheet
At year ending June
(In millions of Birr)

2010 2011 2012

Assets
Cash on hand 661.58 792.52 811.93
Cash at Bank 56.70 193.72 12.61
Reserve Account With NBE 1,606.02 1,322.61 886.08
Deposit with foreign Banks 637.71 587.06 812.49
Treasury Bills - - -
Other Investments 817.00 1,462.49
Non current asset held for sale
Trust fund
Sundury Debtors & Other debit balances 321.24 273.30 361.05
Total Loans & Advances 3,153.24 3,315.69 3,897.41
Less Provision for doubtful Debts 233.55 110.48 100.10
Net Loans & advances 2,919.69 3,205.21 3,797.31
Customers' liability for L/C
Fixed assets 76.60 86.55 95.56
Total Asset 6,279.54 7,277.96 8,239.51
Liabilities
Deposits 5,138.85 6,075.26 6,771.46
Demand Deposits 1,219.36 1,591.37 1,630.50
Saving Deposits 3,783.28 4,422.86 4,923.71
Fixed Deposits 136.20 61.03 217.25
Foreing Bank
Trust fund
Short term loans
Other credit balances 329.82 361.37 315.28
Margin held on L/C 169.68 102.77 171.11
Long term loans
Provision for taxation 55.70 77.42 75.28
State dividened
Other provisions
Bank liability
Capital & reserves 585.49 660.76 906.59
Authorized & paid 317.83 317.83 481.72
Legal reserves 139.00 183.61 237.55
General & Special reserves 25.92 25.92 25.92
Retained Earning 102.75 133.40 161.40
Profit & loss A/C
Total 6,279.54 7,277.56 8,239.72
0.00 0.40 (0.21)

Bank of Abyssinia
Income Statement
Year ending June
( In millions of Birr)

2010 2011 2012

Descriptions
Interest Income 261.88 372.08 497.49
Interest Expense 127.31 163.72 208.45
Net Interest Income 134.57 208.36 289.04
Service Charge & Commission Income 45.59 89.18 112.01
Other Income 161.48 156.80 113.59
Total Non Interest Income 207.07 245.98 225.59
Net Interest Income & Non Interest income 341.63 454.34 514.63
Employees Salary & Benefits 79.29 90.81 106.29
Provision For Doubtful Loans and Other assets 19.00 23.63
General Expenses 66.01 86.16 96.13
Total Non Interest Expenses 145.30 195.96 226.05
Prior Year Ajustment
Operating Income before Tax 196.34 258.38 288.58
Tax 55.75 77.46 72.26
Net Income After Tax & Provisions 140.58 180.93 216.32
 A V W X Y Z AA
3 UnitedBank
4 Blance Sheet
5 Year ending June
6 (In millions of Birr)
8 Assets 2010 2011 2012 2013 2014 2015
10 Cash on hand 311.91 656.43 742.11 865.83 945.90 1,267.58
11 Cash at Bank 550.89 685.75 546.01 407.08 903.04 297.92
12 Reserve Account with NBE 1,747.64 1,377.96 850.03 465.50 708.74 611.85
13 Deposit with foreign Banks 664.31 839.11 724.52 323.67 826.66 546.06
14 Treasury Bills
15 Other investment 0.51 811.01 1,641.67 2,899.81 2,938.00 4,131.70
16 Trust fund
17 Sundury Debtors & Other debit balances 60.04 110.56 194.35 258.70 331.68 370.54
18 Total Loans & Advances 2,613.61 3,276.96 4,085.38 4,710.76 5,069.62 6,860.08
19 Less Provision for doubtful Debts 95.33 90.76 95.23 87.57 73.05 83.87
20 Net Loans & advances 2,518.28 3,186.20 3,990.14 4,623.20 4,996.57 6,776.21
21 Customers liabilty
22 Fixed assets 42.67 58.61 98.03 133.88 225.78 359.00
23 Total Asset 5,896.23 7,725.62 8,786.86 9,977.67 11,876.37 14,360.87
24 Liabilities
25 Deposits 4,724.85 6,065.82 6,757.51 8,063.47 8,904.98 11,804.36
26 Demand Deposits 1,502.11 2,044.02 1,803.82 2,261.48 2,646.35 2,950.60
27 Saving Deposits 2,856.89 3,598.37 4,212.32 5,133.10 5,665.68 6,962.81
28 Fixed Deposits 365.86 423.43 741.38 668.89 592.95 1,890.95
29 Foreing bank
30 Trust fund
31 Shotr term loans
32 Other credit balances 234.70 493.47 623.09 516.30 525.67 565.38
33 Margin held on L/C 225.91 174.07 195.90 104.54 290.11 227.97
34 Long term loans
35 Provistion for tax 73.22 90.71 108.64 92.20 82.85 76.92
36 State dividened
37 Other provisions
38 Bank liability
39 Capital & reserves 637.55 901.36 1,101.71 1,201.15 1,575.27 1,686.24
40 Authorized & paid 375.79 536.15 596.67 617.63 932.90 1,001.91
41 Legal reserves 130.56 188.52 262.98 333.47 403.01 473.34
42 General & Special reserves
43 Retained Earning 131.21 176.70 242.06 250.05 239.35 210.99
44 Profit & loss A/C
45 Total 5,896.23 7,725.44 8,786.85 9,977.67 11,378.89 14,360.87
46 0.00 0.18 0.00 0.00 497.48 0.00
47
48
49
50 United Bank
51 Income Statement
52 Year ending June
53 ( In millions of Birr)
54
55
56 2010 2011 2012 2013 2014 2015
57 Descriptions
58 Interest Income 251.01 338.88 518.65 601.59 716.23 948.09
59 Interest Expense 104.29 144.84 198.66 247.31 278.33 385.85
60 Net Interest Income 146.72 194.04 319.99 354.28 437.90 562.23
61 Service Charge & Commission Income 99.00 160.37 207.24 194.98 236.25 260.58
62 Other Income 160.64 131.31 105.69 109.54 7.73 125.27
63 Total Non Interest Income 259.64 291.68 312.93 304.53 243.98 385.85
64 Net Interest Income & Non Interest income 406.36 485.71 632.93 658.81 681.88 948.08
65 Employees Salary & Benefits 67.74 83.26 117.90 151.47
66 Provision For Doubtful Loans and Other assets 28.87 6.73 5.67 - 10.83
67 General Expenses 62.08 73.18 102.86 201.40 400.76 579.01
68 Total Non Interest Expenses 158.69 163.17 226.43 352.87 400.76 589.84
69 Prior Year Ajustment
70 Operating Income before Tax 247.67 322.54 406.50 305.94 281.12 358.24
71 Tax 73.22 90.71 108.64 92.20 82.85 76.92
72 Net Income After Tax & Provisions 174.45 231.83 297.86 213.74 198.27 281.32
 A V W X
3 Wegagen Bank
4 Balance Sheet
5 Year ending June
6 ( In millions of Birr)
7
8 Assets 2010 2011 2012
9 Cash on hand 430.73 675.70 886.14
10 Cash at bank 422.69 492.77 223.46
11 Reserve Account with NBE 875.23 1,920.65 578.39
12 Deposit with foreign Banks 1,107.08 1,051.97 913.32
13 Treasury Bills 199.99 - 189.56
14 Other Invesments 900.00 1,602.46
15 Trust Funds
16 Sundury Debtors & Other debit balances 247.82 126.13 165.76
17 Total Loans & Abvances 2,473.87 2,910.05 3,565.67
18 Less Provision for Doubtful Debts 98.25 132.17 86.70
19 Net Loans & advances 2,375.63 2,777.88 3,478.97
20 Customers' liability for L/C
21 Fixed assets 82.77 115.96 309.09
22 Total Asset 5,741.93 8,061.05 8,347.15
23 Liabilities
24 Deposits 3,922.80 5,957.48 5,758.18
25 Demand Deposits 1,770.34 3,116.93 2,329.55
26 Saving Deposits 1,960.45 2,529.44 2,873.02
27 Fixed Deposits 192.01 311.12 555.60
28 Foreign Bank their A/C
29 Trust Funds
30 Short term loans
31 Other credit balances 341.05 396.65 515.30
32 Margin held on L/C 332.17 234.61 346.92
33 Long term loans
34 Provision for taxation 94.19 134.85 122.62
35 State dividend payable
36 Other provisions
37 Bank's liability to L/C
38 Capital & reserves 1,051.72 1,337.33 1,604.13
39 Authorized & paid 654.59 804.74 978.36
40 Legal reserves 209.32 290.14 374.05
41 General and Special reserves 20.32
42 Retained Earning 167.51 242.46 251.72
43 Profit & loss A/C
44 Total 5,741.93 8,060.93 8,347.15
45 0.00 0.11 0.00
46
47
48
49
50 Wegagen Bank
51 Income Statement
52 Year ending June
53 ( In millions of Birr)
54
55 2010 2011 2012
56 Description
57 Interest Income 247.25 314.85 441.66
58 Interest Expense 75.74 100.19 139.88
59 Net Interest Income 171.51 214.66 301.78
60 Service Charge & Commission Income 139.23 248.52 122.77
61 Other Income 178.86 251.56 285.72
62 Total Non Interest Income 318.09 500.08 408.49
63 Net Interest Income & Non Interest income 489.60 714.73 710.27
64 Employees Salary & Benefits 90.85 120.49 144.39
65 Provision For Doubtful Loans and Other assets 8.53 40.36 0.04
66 General Expenses 72.70 95.75 107.60
67 172.07 256.60 252.03
68 Prior Year Ajustment
69 Operating Income before Tax 317.53 458.13 458.25
70 Tax 94.19 134.85 122.00
71 Net Income After Taxes & Provisions 223.34 323.28 336.25
 A V W X
2 Nib International Bank
3 Balance Sheet
4 As at end of June
5 (In millions of Birr)
6
7 Assets 2010 2011 2012
9 Cash on hand 622.35 455.72 520.14
10 Cash on bank 375.78 439.02 477.80
11 Reserve Account with NBE 932.26 1,685.26 834.94
12 Deposit with foreign banks 638.27 864.56 897.80
13 Treasury Bills 499.42 199.61 250.00
14 Other Investments 3.78 569.99 1,251.53
15 Trust fund

16 Sundury Debtors & Other debit balances 379.57 169.87 339.64

17 Total Loans & Advances 2,546.14 2,766.52 3,708.90
18 Less Provision For Doubtful Debts 99.31 114.10 100.57
19 Net Loans & advances 2,447 2,652 3608
20 Customers liabilty

21 Fixed assets 72.25 75.07 95.52

22 Total Asset 5,971 7,112 8,276
23 Liabilities and Capital
24 Deposits 4,127 5,157 5,838
25 Demand Deposits 1,308.87 1,801.80 2,018.57
26 Saving Deposits 2,517.19 3,137.26 3,476.58
27 Fixed Deposits 301.13 218.34 342.98
28 Foreing bank
29 Trust fund
30 Sthort term loans
31 Other credit balances 621.07 539.05 548.90
32 Margin held on L/C 221.39 146.96 257.48
33 long term loan
34 Provisions for taxation 84.35 97.64 103.25
35 State dividened
36 Other provisions
37 Bank liabilty
38 Capital & reserves 916.51 1,170.65 1,527.95
39 Authorized & paid 585.64 717.02 959.81
40 Legal reserves 179.95 241.56 313.12
41 General & Special reserves 1.10 1.20 1.30
42 Retained earning 6.78 26.86 39.75
43 Profit & loss A/C 143.04 184.01 213.98
44 Other comprehensive income
45 Total Liabilities and Capital 5,970.51 7,111.69 8,275.70
46 0.00 (0.17) -
62
63
64 Nib International Bank
65 Income Statement
66 Year ending June
67 (In millions of Birr)
68
69 2010 2011 2012
70 Descriptions
71 Interest Income 266.28 332.86 433.65
72 Interest Expense 89.71 119.42 151.91
73 Net Interest Income 176.57 213.44 281.74
74 Service Charge & Commission Income 151.70 187.98 219.94
75 Gain or loss on Eqiuty investment in associates
76 Other Income 138.52 135.82 105.84
77 Total Non Interest Income 290.22 323.79 325.78
78 Net Interest Income & Non Interest income 466.79 537.23 607.52
79 Employees Salary & Benefits 77.12 96.64 115.77
80 Provision For Doubtful Loans and other assets 33.20 15.34 1.41
81 General Expenses 71.23 81.18 100.86
82 Total Non Interest Expenses 181.56 193.16 218.04
83 Prior year adustment
84 Operating Income before Tax 285.24 344.08 389.48
85 Tax 84.35 97.64 103.25
86 Net Income After Tax & Provisions 200.89 246.43 286.23
 Oromia International Bank Sc.
Balance Sheet
Year ending June
(In millions of Birr)

Assets 2010

Cash on hand 162.99

Cash at Bank 0.51
Reserve Account with NBE 202.94
Deposit with foreign Banks 262.22
Treasury Bills -
Other Investments 32.82
Non current asset held for sale
Trust fund
Sundury Debtors & Other debit balances 55.76
Total Loans & Advances 368.99
Less Provision For Doubtful Debts 4.22
Net Loans & advances 364.77
Customers liability
Fixed assets 36.58
Total Asset 1,118.57
Liabilities
Deposits 820.93
Demand Deposits 212.70
Saving Deposits 318.76
Fixed Deposits 289.47
Foreign bank their a/c
Trust fund
Short term loans
Other credit balances 85.63
Margin held on L/C
Long term loans
Provision for taxation
State dividened payable
Other provisions
Bank's liability
Capital & reserves 212.01
Authorized & paid 206.30
Legal reserves 4.81
General & Special reserves
Retaned Earning
Profit & loss A/C 0.90
Total 1,118.57
0.00

Oromia International Bank Sc.

Income Statement
Year ending June
( In millions of Birr)
2010
Description
Interest Income 30.38
Interest Expense 15.23
Net Interest Income 15.16
Service Charge & Commission Income 36.28
Other Income 13.59
Total Non Interest Income 49.88
Net Interest Income & Non Interest income 65.03
Employees Salary & Benefits 20.05
Provision For Doubtful Loans and other assets 3.09
General Expenses 20.39
Total Non Interest Expenses 43.52
Prior Year Ajustment
Operating Income before Tax 21.51
Tax 2.28
Net Income After Tax & Provisions 19.23
 Lion International Bank
Balance Sheet
Year ending June
(In millions of Birr)

Assets 2010

Cash on hand 236.16

Cash at Bank 4.79
Reserve Account with NBE 233.69
Deposit with foreign Banks 265.87
Treasury Bills -
Other Investments 1.03
Trust fund
Sundury Debtors & Other debit balances 27.88
Total Loans & Advances 583.99
Less Provision For Doubtful Debts 9.48
Net Loans & advances 574.51
Customers liability
Fixed assets 19.67
Total Asset 1,363.61
Liabilities
Deposits 1,017.58
Demand Deposits 391.36
Saving Deposits 525.47
Fixed Deposits 100.76
Foreign bank their a/c
Trust fund
Short term loans
Other credit balances 80.59
Margin held on L/C 23.65
Long term loans
Provision for taxation
State dividened payable
Other provisions
Bank's liability
Capital & reserves 241.80
Authorized & paid 204.17
Legal reserves 9.89
General & special reserves
Retaned Earning -
Profit & loss A/C 27.74
Total 1,363.61
(0.00)

Lion International Bank

Income Statement
Year ending June
( In millions of Birr)
2010
Description
Interest Income 56.38
Interest Expense 19.79
Net Interest Income 36.59
Service Charge & Commission Income 40.71
Other Income 13.95
Total Non Interest Income 54.66
Net Interest Income & Non Interest income 91.25
Employees Salary & Benefits 18.05
Provision For Doubtful Loans and other assets 4.57
General Expenses 18.58
Total Non Interest Expenses 41.19
Prior Year Ajustment
Operating Income before Tax 50.06
Tax 10.10
Net Income After Tax & Provisions 39.96
 Berhan International Bank Sc
Balance Sheet
Year ending June
(In millions of Birr)

Assets 2010

Cash on hand 27.68

Cash at Bank 8.39
Reserve Account with NBE 107.62
Deposit with foreign Banks 53.17
Treasury Bills -
Other Investments
Non current asset held for sale
Sundury Debtors & Other debit balances 22.65
Total Loans & Advances 153.19
Less Provision For Doubtful Debts 1.53
Net Loans & advances 151.66
Customers liability
Fixed assets 8.34
Total Asset 379.52
Liabilities
Deposits 238.01
Demand Deposits 72.76
Saving Deposits 72.94
Fixed Deposits 92.30
Foreign bank their a/c
Trust fund
Short term loans
Other credit balances 30.53
Margin held on L/C 6.71
Long term loans
Provision for taxation
State dividened payable
Other provisions
Bank's liability
Capital & reserves 102.36
Authorized & paid 108.32
Legal reserves
General & Special reserves
Retaned Earning (5.97)
Profit & loss A/C
Total 377.61
1.91

Berhan International Bank Sc

Income Statement
Year ending June
( In millions of Birr)
2010

Description
Interest Income 5.85
Interest Expense 1.84
Net Interest Income 4.02
Service Charge & Commission Income
Other Income 2.42
Total Non Interest Income 2.42
Net Interest Income & Non Interest income 6.44
Employees Salary & Benefits 4.03
Provision For Doubtful Loans and other assets 1.53
General Expenses 6.88
Total Non Interest Expenses 12.44
Prior Year Ajustment
Operating Income before Tax (6.00)
Tax (1.80)
Net Income After Tax & Provisions (4.20)
 Bunna International Bank S.c
Balance Sheet
Year ending June
(In millions of Birr)

Assets 2010

Cash on hand 23.98

Cash at Bank 0.76
Reserve Account with NBE 59.84
Deposit with foreign Banks 165.96
Treasury Bills
Other Investments
Non current asset held for sale
Trust fund
Sundury Debtors & Other debit balances 28.68
Total Loans & Advances 192.26
Less Provision For Doubtful Debts 1.93
Net Loans & advances 190.32
Customers liability
Fixed assets (inta. Asset) 10.57
Total Asset 480.11
Liabilities
Deposits 240.26
Demand Deposits 73.54
Saving Deposits 86.72
Fixed Deposits 80.00
Foreign bank their a/c
Trust fund
Short term loans
Other credit balances 30.94
Margin held on L/C 41.82
Long term loans
Provision for taxation
State dividened payable
Other provisions
Bank's liability
Capital & reserves 169.10
Authorized & paid 169.05
Legal reserves 0.01
General & special reserves
Retaned Earning 0.04
Other comprehensive income
Total 482.11
(2.00)

Bunna International Bank Sc

Income Statement
Year ending June
( In millions of Birr)
2010

Description
Interest Income 8.43
Interest Expense 1.90
Net Interest Income 6.54
Service Charge & Commission Income 6.49
Other Income 5.01
Total Non Interest Income 11.50
Net Interest Income & Non Interest income 18.03
Employees Salary & Benefits 4.57
Provision For Doubtful Loans and other assets 1.93
General Expenses 11.48
Total Non Interest Expenses 17.98
Prior Year Ajustment
Operating Income before Tax 0.05
Tax 0.02
Net Income After Tax & Provisions 0.04
 Zemen Bank Sc
Balance Sheet
Year ending June
(In millions of Birr)

Assets 2009 2010

Cash on hand 7.63 23.67

Cash at Bank 6.92 5.71
Reserve Account with NBE 80.76 278.21
Deposit with foreign Banks 126.09 303.56
Treasury Bills - -
Other Investments
Non current asset held for sale
Sundry Debtors & Other debit balances 23.78 32.90
Total Loans & Advances 188.73 383.92
Less Provision For Doubtful Debts 1.97 6.00
Net Loans & advances 186.76 377.92
Customers liability
Fixed assets (inta. Asset) 30.66 33.66
Total Asset 462.59 1,055.62
Liabilities
Deposits 277.85 688.02
Demand Deposits 40.54 148.37
Saving Deposits 96.65 308.86
Fixed Deposits 140.66 230.80
Foreign bank their a/c
Trust fund
Short term loans
Other credit balances 21.54 60.46
Margin held on L/C 72.69 130.40
Long term loans
Provision for taxation 18.14
State dividened payable
Other provisions
Bank's liability
Capital & reserves 90.52 158.59
Authorized & paid 99.66 120.58
Legal reserves 12.75
General & Special reserves
Retaned Earning (9.14) 25.27
Profit & loss A/C
Total 462.60 1,055.62
(0.00) -

Zemen Bank Sc
Income Statement
Year ending June
( In millions of Birr)

2009 2010
Description
Interest Income 4.59 31.24
Interest Expense 2.91 22.82
Net Interest Income 1.68 8.43
Service Charge & Commission Income 7.37 52.39
Other Income 6.05 50.37
Total Non Interest Income 13.42 102.76
Net Interest Income & Non Interest income 15.10 111.19
Employees Salary & Benefits 5.49 9.40
Provision For Doubtful Loans 1.97 4.02
General Expenses 16.78 28.63
Total Non Interest Expenses 24.24 42.05
Prior Year Ajustment
Operating Income before Tax (9.14) 69.14
Tax (2.74) 18.14
Net Income After Tax & Provisions (6.40) 50.99
 Abay Bank Sc
Balance Sheet
Year ending June
(In millions of Birr)

Assets 2011 2012 2013

Cash on hand 27.26 130.51 299.68

Cash at Bank 10.00 2.15 0.78
Reserve Account with NBE 117.49 169.12 224.35
Deposit with foreign Banks 53.68 165.24 45.71
Other Investments 47.52 176.93 380.79
Non current asset held for sale
Sundury Debtors & Other debit balances 31.56 105.42 111.50
Total Loans & Advances 158.00 452.15 843.08
Less Provision For Doubtful Debts -
Net Loans & advances 158.11 452.15 843.08
Customers liability
Fixed assets (inta. Asset) 11.27 36.38 45.22
Total Asset 456.88 1,237.90 1,951.10
Liabilities
Deposits 263.38 778.91 1,475.93
Demand Deposits 86.25 287.31 434.26
Saving Deposits 112.56 385.51 894.75
Fixed Deposits 64.58 106.09 146.93
Foreign bank their a/c
Trust fund
Short term loans
Other credit balances 16.26 136.19 102.05
Margin held on L/C 19.65 51.34 22.28
Long term loans
Provision for taxation - 7.23 12.83
State dividened payable
Other provisions
Bank's liability
Capital & reserves 157.59 264.24 338.01
Authorized & paid 161.39 243.84 294.38
Legal reserves 6.04 15.55
General & Special reserves
Retaned Earning
Profit & loss A/C (3.80) 14.35 28.08
Total 456.88 1,237.90 1,951.10
(0.00) - 0.00

Abay Bank Sc
Income Statement
Year ending June
( In millions of Birr)
2011 2012 2013

Description
Interest Income 4.90 42.67 88.34
Interest Expense 1.10 15.63 28.66
Net Interest Income 3.80 27.05 59.69
Service Charge & Commission Income 4.34 40.77 48.84
Other Income 3.10 13.31 33.15
Total Non Interest Income 7.44 54.08 81.98
Net Interest Income & Non Interest income 11.24 81.13 141.67
Employees Salary & Benefits 3.65 15.73 33.49
Provision For Doubtful Loans and other assets 1.60 5.21 5.56
General Expenses 9.78 28.80 51.33
Total Non Interest Expenses 15.04 49.74 90.38
Prior Year Ajustment
Operating Income before Tax (3.80) 31.38 51.29
Tax (1.14) 7.23 12.83
Net Income After Tax & Provisions (2.66) 24.16 38.46

Abay Bank Sc
Financial Ratios
( In percent)
2011 2012 2013
Description
Return on Assets (1.16) 2.9 2.4
Return on Equity (3.37) 11.5 12.8
Profit Margin (21.54) 25.0 22.6
Gross yeild on Asset 5.4 11.4 10.7
Interest income /Av.Assets 2.1 5.0 5.5
Non Interest Income/Av. Assets 3.3 6.4 5.1
Equity Multiplier 2.9 4.0 5.3
Net Interest Margin 1.5 3.4 4.7
Speard 1.3 2.2 4.2
Efficiency Ratio 49.5 108.7 90.7
Non interst income/Gross Revenue 60.3 55.9 48.1
Interest income/Gross Revenue 39.7 44.1 51.9
Non interst expense/Gross revenue 121.8 51.4 53.1
Salary & benefit/Non Interest Expense 24.3 31.6 37.1
Liquid Assets/Deposits 79.1 60.0 38.7
Liquid Assets/Total assets 45.6 37.7 29.2
Interst margin/gross income 30.7 28.0 35.0
loan/deposit 60.0 58.0 57.1
 2014 2015 2016 2017 2018 2019

484.27 507.23 596.68 946.92 1,129.08 1,488.32

0.32 20.02 0.00 363.87 328.74 876.66
331.06 209.41 448.14 333.75 465.75 568.74
44.78 155.13 83.08 184.67 995.36 329.27
639.27 1,055.42 1,562.63 2,042.46 3,061.81 3,740.70
12.98 4.45
157.31 218.50 274.73 387.15 178.71 196.27
1,474.83 2,311.34 3,073.69 4,209.57 6,002.71 7,711.49
104.25 114.30
1,474.83 2,311.34 3,073.69 4,209.57 5,898.46 7,597.19

64.94 105.13 147.82 155.83 254.18 304.70

3,196.78 4,582.19 6,186.76 8,624.21 12,325.07 15,106.30

2,518.22 3,623.81 4,832.58 6,792.20 9,466.09 11,598.38

640.07 923.85 1,162.62 1,457.53 2,073.61 2,533.56
1,553.15 2,248.04 3,114.35 3,965.85 6,139.61 8,126.01
325.00 451.92 555.61 1,368.82 1,252.87 938.81

161.01 122.54 205.26 256.14 486.78 507.86

47.32 77.31 142.94 188.71 489.67 361.18

18.09 42.56 45.46 58.99 79.05 181.42

452.13 715.97 960.52 1,328.17 1,803.48 2,457.46

379.44 561.03 734.43 1,022.62 1,350.56 1,698.70
29.95 61.31 97.94 145.38 224.63 350.03
18.73 18.73 (7.10) 31.17
235.40 377.56
42.75 93.64 109.43 141.45 - -
3,196.77 4,582.19 6,186.76 8,624.21 12,325.07 15,106.30
0.01 - 0.00 - 0.00 0.01

2014 2015 2016 2017 2018 2019

163.46 285.04 418.85 549.14 873.30 1,103.99
63.69 107.83 148.71 218.86 358.00 468.71
99.77 177.22 270.14 330.28 515.30 635.28
83.33 120.33 120.70 163.81 366.96 517.53
47.11 92.86 94.99 134.89 69.17 199.77
130.43 213.20 215.69 298.70 436.12 717.30
230.21 390.41 485.83 628.98 951.42 1,352.58
65.52 99.51 129.07 192.89 259.90 348.97
7.48 11.09 18.28 - 62.54 52.13
81.52 111.81 146.01 187.30 210.43 268.47
154.53 222.40 293.36 380.19 532.87 669.57

75.68 168.01 192.47 248.79 418.55 683.02

18.09 42.56 45.46 74.64 101.56 181.42
57.60 125.45 147.01 174.15 316.99 501.60

2014 2015 2016 2017 2018 2019

2.2 3.2 2.7 2.4 3.0 3.7

14.6 21.5 17.5 15.2 20.2 23.5
19.6 25.2 23.2 20.5 24.2 27.5
11.4 12.8 11.8 11.4 12.5 13.3
6.4 7.3 7.8 7.4 8.3 8.0
5.1 5.5 4.0 4.0 4.2 5.2
6.5 6.7 6.4 6.5 6.7 6.4
4.6 5.0 5.7 5.1 5.1 5.4
4.2 4.1 4.8 4.4 3.8 4.2
84.4 95.9 73.5 78.6 81.8 107.1
44.4 42.8 34.0 35.2 33.3 39.4
55.6 57.2 66.0 64.8 66.7 60.6
52.6 44.6 46.2 44.8 40.7 36.8
42.4 44.7 44.0 50.7 48.8 52.1
34.2 24.6 23.3 26.9 30.8 28.1
26.9 19.5 18.2 21.2 23.7 21.6
33.9 35.6 42.6 39.0 39.4 34.9
58.6 63.8 63.6 62.0 63.4 66.5
 Addis International Bank Sc
Balance Sheet
Year ending June
(In millions of Birr)

Assets 2012 2013 2014

Cash on hand 18.44 45.14 72.92

Cash at Bank 0.41 151.55 157.30
Reserve Account with NBE 31.64 95.71
Deposit with foreign Banks 108.28 101.11 105.36
Treasury Bills
Other Investments 61.53 108.62 185.71
Non current asset held for sale
Sundury Debtors & Other debit balances 42.74 69.98 92.63
Total Loans & Advances 154.49 328.01 511.04
Less Provision For Doubtful Debts 1.57 3.29 5.60
Net Loans & advances 152.92 324.72 505.44
Customers liability
Fixed assets (inta. Asset) 8.70 22.38 47.65
Total Asset 424.67 823.50 1,262.72
Liabilities
Deposits 211.40 561.27 792.41
Demand Deposits 54.91 189.68 232.56
Saving Deposits 57.49 126.79 211.74
Fixed Deposits 99.00 244.80 348.11
Foreign bank their a/c
Trust fund
Short term loans
Other credit balances 13.61 41.07 54.29
Margin held on L/C 35.29 78.99 85.13
Long term loans
Provision for taxation 1.96 9.84 15.43
State dividened payable
Other provisions
Bank's liability
Capital & reserves 162.41 225.00 315.46
Authorized & paid 155.10 195.97 262.17
Legal reserves 1.83 8.63 19.79
General & Special reserves - - -
Retaned Earning 5.48 20.40 33.49
Profit & loss A/C
Total 424.67 916.17 1,262.72
(0.00) (92.68) -

Addis International Bank Sc

Income Statement
Year ending June
( In millions of Birr)

2012 2013 2014

Description
Interest Income 12.14 60.52
Interest Expense 4.96 25.46
Net Interest Income 7.18 - 35.06
Service Charge & Commission Income 17.11 71.26
Other Income 6.37 13.96
Total Non Interest Income 23.48 - 85.22
Net Interest Income & Non Interest income 30.66 - 120.28
Employees Salary & Benefits 4.67 17.68
Provision For Doubtful Loans and other assets 1.57 2.31
General Expenses 15.13 40.19
Total Non Interest Expenses 21.37 - 60.18
Prior Year Ajustment
Operating Income before Tax 9.29 - 60.10
Tax 1.98 15.45
Net Income After Tax & Provisions 7.31 44.66

Addis International Bank Sc

Financial Ratios
( In percent)
2012 2013 2014
Description
Return on Assets 3.44 - 4.28
Return on Equity 9.00 - 16.52
Profit Margin 20.52 #DIV/0! 30.64
Gross yeild on Asset 16.78 - 13.97
Interest income /Av.Assets 5.72 - 5.80
Non Interest Income/Av. Assets 11.06 - 8.17
Equity Multiplier 2.61 3.22 3.86
Net Interest Margin 2.21 - 4.37
Speard 0.57 - 3.00
Efficiency Ratio 109.86 #DIV/0! 141.61
Non interst income/Gross Revenue 65.91 #DIV/0! 58.47
Interest income/Gross Revenue 34.09 #DIV/0! 41.53
Non interst expense/Gross revenue 59.99 #DIV/0! 41.29
Salary & benefit/Non Interest Expense 21.85 #DIV/0! 29.37
Liquid Assets/Deposits 75.11 53.06 54.43
Liquid Assets/Total assets 37.39 36.16 34.16
Interst margin/gross income 20.16 #DIV/0! 24.06
loan/deposit 73.08 58.44 64.49
 2015 2016 2017 2018 2019

138.73 172.34 229.43 295.46 421.73

128.65 201.71 339.69 181.42 142.27
117.17 232.75 117.00 371.06 468.01
104.95 160.56 237.30 188.52 294.23

331.18 474.47 655.05 832.84 1,104.79

4.55 20.80
79.75 112.37 212.15 204.20 312.53
762.35 1,049.79 1,561.56 2,056.93 2,677.41
18.43 28.90
762.35 1,049.79 1,561.56 2,038.50 2,648.51

52.20 58.20 62.43 99.42 101.99

1,714.98 2,462.18 3,414.60 4,215.97 5,514.85

1,109.60 1,562.54 2,271.70 2,970.38 3,946.56

329.36 420.16 670.75 716.59 934.66
457.82 651.32 915.67 1,270.51 1,675.04
322.42 491.06 685.28 983.29 1,336.86

73.38 133.85 201.66 210.48 243.20

67.24 101.94 157.77 104.05 166.05

19.69 27.40 25.87 28.38 47.41

445.06 636.45 757.60 902.67 1,111.64

366.61 516.64 609.55 710.72 831.26
34.46 55.80 78.86 107.09 146.90
- - - 6.92 18.77
44.00 64.02 69.19 77.94 114.71

1,714.97 2,462.18 3,414.60 4,215.97 5,514.85

0.02 - 0.00 (0.00) 0.01

2015 2016 2017 2018 2019

 95.68 149.77 199.77 288.77 407.78
41.58 63.18 88.20 135.27 208.09
54.09 86.59 111.56 153.51 199.69
90.96 115.13 144.53 159.27 216.03
20.76 26.87 33.02 38.87 45.07
111.72 142.00 177.55 198.14 261.10
165.82 228.59 289.12 351.64 460.79
31.27 47.42 77.53 96.47 124.50
3.61 4.15 6.32 8.17 12.13
53.03 67.20 87.14 99.42 119.00
87.91 118.77 170.99 204.06 255.63

77.90 109.82 118.13 147.59 205.16

19.69 27.41 25.88 34.69 45.91
58.21 82.41 92.25 112.90 159.25

2015 2016 2017 2018 2019

3.91 3.95 3.14 2.96 3.27

15.31 15.24 13.24 13.60 15.81
28.07 28.24 24.45 23.19 23.81
13.93 13.97 12.84 12.76 13.75
6.43 7.17 6.80 7.57 8.38
7.50 6.80 6.04 5.19 5.37
3.92 3.86 4.22 4.60 4.83
4.51 5.14 4.55 4.99 4.90
2.65 3.36 2.63 3.38 3.09
127.08 119.56 103.84 97.10 102.14
53.87 48.67 47.06 40.69 39.04
46.13 51.33 52.94 59.31 60.96
42.39 40.71 45.32 41.91 38.22
35.57 39.92 45.34 47.28 48.70
44.12 49.11 40.65 34.89 33.60
28.54 31.17 27.04 24.58 24.05
26.08 29.68 29.57 31.53 29.85
68.71 67.18 68.74 69.25 67.84
 Debub Global Bank S.c.
Balance Sheet
Year ending June
(In millions of Birr)

Assets 2013 2014 2015 2016

Cash on hand 93.88 96.07 128.09 140.19

Cash at Bank 4.70 47.30 112.22 12.39
Reserve Account with NBE 6.94 78.75 225.39 97.18
Deposit with foreign Banks 54.08 71.97 41.54 11.44
Treasury Bills 27.83 - - -
Other Investments 43.94 193.15 164.24 304.85
Trust fund
Sundury Debtors & Other debit balances 198.13 94.02 104.94
Total Loans & Advances 99.41 266.65 334.91 591.28
Less Provision For Doubtful Debts 3.75
Net Loans & advances 99.41 262.89 334.91 591.28
Customers liability
Fixed assets (inta. Asset) 21.10 43.17 41.13
Total Assets 330.78 969.37 1,143.59 1,303.40
Liabilities
Deposits 158.37 500.23 819.34 871.76
Demand Deposits 56.84 155.93 330.05 333.39
Saving Deposits 92.26 190.12 374.30 455.13
Fixed Deposits 9.27 154.18 114.99 83.25
Foreign bank their a/c
Trust fund
Short term loans
Other credit balances 164.49 50.59 43.44
Margin held on L/C 28.63 49.36 38.38
Long term loans
Provision for taxation 0.03 5.40 16.24
State dividened payable
Other provisions
Bank's liability
Capital & reserves - 181.44 218.89 322.14
Authorized & paid 177.27 197.98 262.00
Legal reserves 4.61 8.91 21.84
General and special reserves
Retaned Earning (0.44) 12.00 38.31
Profit & loss A/C
Total 158.37 874.82 1,143.59 1,291.96
172.41 94.55 0.00 11.44

Debub Global Bank S.c.

Income Statement
Year ending June
( In millions of Birr)
2013 2014 2015 2016
Description
Interest Income 37.17 47.22 84.24
Interest Expense 11.60 20.55 25.26
Net Interest Income - 25.56 26.67 58.99
Service Charge & Commission Income 30.77 53.68 85.73
Other Income 9.46 8.85 17.05
Total Non Interest Income - 40.23 62.53 102.78
Net Interest Income & Non Interest income - 65.80 89.20 161.77
Employees Salary & Benefits 20.01 31.86 42.63
Provision For Doubtful Loans and other assets 0.24 6.04
General Expenses 23.55 34.51 45.15
Total Non Interest Expenses - 43.56 66.61 93.81
Prior Year Ajustment
Operating Income before Tax - 22.24 22.59 67.96
Tax 16.20 5.40 16.27
Net Income After Tax & Provisions - 6.04 17.18 51.69

Debub Global Bank Sc

Financial Ratios
( In percent)
2013 2014 2015 2016
Description
Return on Assets 0.0 0.9 1.6 4.2
Return on Equity #DIV/0! 6.7 8.6 19.1
Profit Margin #DIV/0! 7.8 15.7 27.6
Gross yeild on Asset 0.0 11.9 10.4 15.3
Interest income /Av.Assets 0.0 5.7 4.5 6.9
Non Interest Income/Av. Assets 0.0 6.2 5.9 8.4
Equity Multiplier #DIV/0! 7.2 5.3 4.5
Net Interest Margin 0.0 4.8 4.9 6.5
Speard 0.0 3.6 4.5 4.6
Efficiency Ratio #DIV/0! 92.4 93.9 109.6
Non interst income/Gross Revenue #DIV/0! 52.0 57.0 55.0
Interest income/Gross Revenue #DIV/0! 48.0 43.0 45.0
Non interst expense/Gross revenue #DIV/0! 56.3 60.7 50.2
Salary & benefit/Non Interest Expense #DIV/0! 45.9 47.8 45.4
Liquid Assets/Deposits 118.4 58.8 61.9 30.0
Liquid Assets/Total assets 56.7 30.3 44.4 20.0
Interst margin/gross income #DIV/0! 33.0 24.3 31.5
loan/deposit 62.8 53.3 40.9 67.8
 2017 2018 2019

270.88 236.84 396.61

211.55 72.99 335.93
70.00 352.38 412.51
130.62 162.69 437.73
- - -
441.69 704.03 1,124.46

115.73 136.98 304.33

780.77 1,580.84 2,451.67
27.12 50.50
780.77 1,553.71 2,401.17

41.66 41.07 74.77

2,062.90 3,260.69 5,487.51

1,431.53 2,153.32 3,523.44

528.11 584.14 1,135.17
808.21 1,247.14 1,931.44
95.21 322.05 456.83

45.11 298.07 592.82

146.44 105.73 300.62

16.87 21.60 76.38

422.96 681.98 994.25

351.22 579.76 721.86
34.55 61.21 113.88
(6.99) 8.92
37.19 48.00 149.59

2,062.90 3,260.69 5,487.51

(0.00) (0.01) 0.00

2017 2018 2019

105.32 213.47 321.67
40.28 80.28 144.10
65.04 133.20 177.57
119.79 136.59 275.84
7.92 70.38 97.76
127.71 206.97 373.60
192.76 340.17 551.17
60.19 84.50 125.69
5.48 10.41 18.19
59.37 103.30 123.34
125.04 198.20 267.22

67.72 141.97 283.95

16.87 35.34 73.23
50.85 106.63 210.71

2017 2018 2019

3.0 4.0 4.8

13.7 19.3 25.1
21.8 25.4 30.3
13.8 15.8 15.9
6.3 8.0 7.4
7.6 7.8 8.5
4.5 4.8 5.2
4.8 5.4 4.4
3.3 3.6 2.0
102.1 104.4 139.8
54.8 49.2 53.7
45.2 50.8 46.3
53.7 47.1 38.4
48.1 42.6 47.0
47.7 38.3 44.9
33.1 25.3 28.8
27.9 31.7 25.5
54.5 73.4 69.6
 Enat Bank S.c.
Balance Sheet
Year ending June
(In millions of Birr)

Assets 2014 2015 2016 2017

Cash on hand 29.86 71.37 147.12 246.01

Cash at Bank 296.12 287.28 101.80 390.46
Reserve Account with NBE 100.09 101.82 306.23 170.00
Deposit with foreign Banks 3.46 41.72 112.29 278.94
Treasury Bills
Other Investments 405.10 377.18 693.75 984.66
Trust fund
Sundury Debtors & Other debit balances 55.47 154.33 199.04 250.25
Total Loans & Advances 506.74 1,133.61 1,615.52 2,440.97
Less Provision For Doubtful Debts
Net Loans & advances 506.74 1,133.61 1,615.52 2,440.97
Customers liability
Fixed assets (inta. Asset) 20.51 42.14 72.45 86.98
Total Asset 1,417.34 2,209.44 3,248.19 4,848.28
Liabilities
Deposits 929.44 1,565.22 2,389.27 3,681.05
Demand Deposits 314.64 311.36 564.59 700.95
Saving Deposits 278.59 671.10 951.46 1,353.29
Fixed Deposits 336.21 582.77 873.22 1,626.81
Foreign bank their a/c
Trust fund
Short term loans
Other credit balances 37.85 54.24 87.19 135.80
Margin held on L/C 156.45 133.00 80.07 89.12
Long term loans
Provision for taxation 3.71 12.31 25.17 33.48
State dividened payable
Other provisions
Bank's liability
Capital & reserves 289.90 444.68 666.49 908.83
Authorized & paid 261.67 383.87 565.13 763.92
Legal reserves 7.19 20.47 40.22 65.16
General and special reserves - 1.05 3.02 5.92
Retaned Earning 21.03 39.29 58.13 73.83
Profit & loss A/C
Total 1,417.35 2,209.45 3,248.19 4,848.28
(0.00) (0.00) 0.00 (0.00)

Enat Bank S.c.

Income Statement
Year ending June
( In millions of Birr)
2014 2015 2016 2017
Description
Interest Income 41.85 125.75 183.28 298.58
Interest Expense 15.87 63.30 103.60 200.68
Net Interest Income 25.97 62.46 79.68 97.91
Service Charge & Commission Income 39.85 55.74 107.88 199.34
Other Income 37.92 16.06 23.96 1.60
Total Non Interest Income 77.77 71.80 131.84 200.94
Net Interest Income & Non Interest income 103.74 134.26 211.52 298.85
Employees Salary & Benefits 13.05 27.00 44.80 70.85
Provision For Doubtful Loans and other assets 5.12 6.71 6.69 15.71
General Expenses 55.89 36.52 57.31 83.68
Total Non Interest Expenses 74.06 70.22 108.81 170.24
Prior Year Ajustment
Operating Income before Tax 29.68 64.03 102.72 128.61
Tax 3.71 11.37 23.51 34.31
Net Income After Tax & Provisions 25.98 52.66 79.21 94.31

Enat Bank Sc
Financial Ratios
( In percent)
2014 2015 2016 2017
Description
Return on Assets 3.7 2.9 2.9 2.3
Return on Equity 17.9 14.3 14.3 12.0
Profit Margin 21.7 26.7 25.1 18.9
Gross yeild on Asset 16.9 10.9 11.5 12.3
Interest income /Av.Assets 5.9 6.9 6.7 7.4
Non Interest Income/Av. Assets 11.0 4.0 4.8 5.0
Equity Multiplier 4.9 4.9 4.9 5.1
Net Interest Margin 2.8 4.0 3.3 2.6
Speard 2.0 3.1 1.9 1.3
Efficiency Ratio 105.0 102.2 121.2 118.0
Non interst income/Gross Revenue 65.0 36.3 41.8 40.2
Interest income/Gross Revenue 35.0 63.7 58.2 59.8
Non interst expense/Gross revenue 61.9 35.5 34.5 34.1
Salary & benefit/Non Interest Expense 17.6 38.5 41.2 41.6
Liquid Assets/Deposits 46.2 32.1 27.9 29.5
Liquid Assets/Total assets 30.3 22.7 20.5 22.4
Interst margin/gross income 21.7 31.6 25.3 19.6
loan/deposit 54.5 72.4 67.6 66.3
 2018 2019

226.87 339.31
226.75 799.83
775.40 514.20
78.70 41.33

1,395.84 1,952.31

340.66 326.01
3,334.59 5,132.92
20.64 39.37
3,313.95 5,093.55

124.21 135.02
6,482.37 9,201.55

4,976.41 7,118.28
884.28 818.61
2,138.14 3,441.39
1,953.98 2,858.28

168.96 186.83
114.12 322.87

36.00 38.43

1,186.89 1,535.15
971.01 1,193.76
104.88 155.29
38.59 45.45
72.40 140.65

6,482.37 9,201.55
- (0.00)

2018 2019
489.61 742.83
312.14 483.38
177.47 259.45
185.46 169.63
76.19 70.20
261.65 239.83
439.12 499.28
118.20 146.32
5.13 6.76
99.27 114.73
222.59 267.81

216.53 231.46
57.65 29.84
158.88 201.63

2018 2019

2.8 2.6
15.2 14.8
21.1 20.5
13.3 12.5
8.6 9.5
4.6 3.1
5.4 5.8
3.7 3.6
2.6 2.8
117.5 89.5
34.8 24.4
65.2 75.6
29.6 27.3
53.1 54.6
26.3 23.8
20.2 18.4
23.6 26.4
67.0 72.1