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Loan

Loan

It is the oldest CBE product and service and also the main source of
income of the bank. Loan create investment that play vital role in
economic and social development of the country through creating
employment. CBE avails huge amount of loan for the over all investment
in the country.

Loan
Commercial Bank of Ethiopia ,The Bank You Always Relay On!!

Investment Loan

INVESTMENT LOAN

It is an act of aquairing money to allocate it on activities expecting better

benefits from it. CBE is currently gives the following loans for those
eligable for the sector.

 Term Loan

 Motor Vehicle Loan

 Construction Machinery Loan

 Partial Financing

 Syndicate Loan

 Agricultural Term Loans

 Idea Financing

Working Capital

WORKING CAPITAL

Motor Vehicle Loan

 Overdraft Facility

 Overdraw

 Merchandise Loan Facility

 Import Letter of Credit Facility

 Pre-Shipment Export Credit Facility

 Revolving Export Credit Facility

 Advance on Export Bills Facility

 Letter of Guarantee Facility

 Import Letter of Credit Settlement Loan

Micro-Finance Institution’s Loan

MICRO-FINANCE INSTITUTION’S LOAN

A Micro-Finance Institution’s Loan is a loan availed to the Micro-Finance

Institutions mainly in the form of term loans that are repayable within
short –tomedium–terms

Channel Financing

CHANNEL FINANCING

1.1 Channel Financing is a form of short-term loan rendered to potential

creditcustomers recommended by existing CBE’s prominent customers
engaged indomestic manufacturing, agricultural production, wholesaling,
retailing orsupplying businesses with which they have a business
relationship. The loan isprovided after the supplier or manufacturer
provides unconditional letter ofguarantee to CBEor other acceptable
collateralif the loan amount is huge.

 The guarantor may recommend as potential customer(s) to the Bank both

his/her/its supplier and/or receiver.

 The guarantor shall present the recorded business relationship including

payment track record and level of purchases/sales.

 Financial statements and cash flow statement of the two parties along with
the capacity of the guarantor to repay both loans in case of default shall be
carefully analyzed.

 The Bank may finance up to 75 % of the submitted sales contract value and
maximum of 70% for vehicles.

 The financing should be extended only the bases of current sales contract
and it shall not finance previous sales contracts.

 The applicant or the would-be customer applies for credit having letter of
recommendation from the guarantor.

 Channel financing should not be rendered to affiliated companies,

associates or subsidiaries.

Urban Utilities Financing

URBAN UTILITIES FINANCING

Urban Utilities Financing is a type of short and medium-term loan granted

tomunicipalities & private persons for supplying urban utilities such as

 dry and liquid waste management

 abattoirs

 public ambulance services

 firefighting

 street lighting

 road asphalt and pavement works

 sanitation

 roadside public latrine service

 development of cityparks

Consulting Firm Financing

CONSULTING FIRM FINANCING

Consulting Firm Financing is a form of short-term loan extended for the

purpose ofworking capital financing to business professionals engaged in
rendering professionalservices

 Engineering

 ICT

 Law

 Accountancy

 Art

Inter-Bank Lending

INTER-BANK LENDING

An Inter-Bank Lending is a short-term loan extended to alleviate liquidity

shortageof other commercial banks. In rendering this credit service, the
credit and risk analyst shall evaluate the requestbased on the banking
business performance indicators.

 ygtygygh

Loan Buyout

LOAN BUYOUT

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  Afan     Cbe-
Oromo
Noor

Gambia Street, P.O.Box 255 Addis Ababa. Tel: 251-

551-50-04/251-122-87-55 Fax: 251-551-45-22/251-
122-89-66 SWIFT Code: CBETETAA Email:
cbe@combanketh.et

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