← Erudite Africa Center of ExcellenceBank and MFISchool of Banking FundamentalsFoundational to Intermediate
Resource Mobilization Strategies and Frameworks
Raise and keep deposits and other funding at a cost the bank can afford, in a market of high inflation, a 16% policy rate and new competitors
From the deposit products and a 30-day branch plan to cost of funds, the loan-to-deposit ratio, funds transfer pricing and a three-year funding strategy, built on Ethiopian rules and one running bank case.
Start the course
0 of 5 modules completed
What you will be able to do
- Explain why deposits are the main funding source of Ethiopian banks and how the bank earns a spread
- Describe the bank's deposit products, including youth, women, diaspora and interest-free accounts, and match them to customer needs
- Use basic techniques to identify, approach and retain depositors within KYC and fair disclosure rules
- Analyse a bank's funding mix, cost of funds and concentration, and set mobilization targets consistent with lending plans, the loan-to-deposit ratio and the risk of a targeted reserve requirement
- Design and price deposit products using customer data, competitor rates and funds transfer pricing
- Evaluate non-deposit funding: interbank, NBE standing facilities, bonds, equity and development finance lines
- For
- Branch staff, relationship and customer service officers (Foundational modules); branch managers, deposit and product managers, ALM and strategy staff (Intermediate modules) in Ethiopian banks.
- Study time
- About 6 hours online, in 5 modules (40 hours in the classroom version)
- Each module
- Short lessons, animated visuals, Ethiopian examples, decisions to make, NBE rules and worked calculations, then a quiz
- Assessment
- A 20-question final exam; pass mark 70%
- Certificate
- Erudite Africa Center of Excellence certificate of completion
- Access
- Module 1 free for registered users; the full course, exam and certificate for subscribers
The 5 modules
- Module 01Free previewWhy resources matter and the deposit productsSee why deposits fund an Ethiopian bank, how the bank earns its spread under a 16% National Bank Rate, and what each deposit product offers the customer.7 lessons · 60 min · quiz
- Module 02Know your market, win and keep depositorsMap the deposit segments of an Ethiopian town, use proven mobilization techniques, follow KYC and disclosure rules, and build a 30-day plan for a regional branch.7 lessons · 65 min · quiz
- Module 03Funding strategy, ALM and deposit pricingDiagnose a bank's funding mix, concentration, loan-to-deposit ratio and cost of funds, then price deposits through funds transfer pricing and board-approved rates.7 lessons · 70 min · quiz
- Module 04Segment strategies and digital mobilizationDesign strategies for diaspora, institutional, MSME and unbanked rural customers, and use agents, mobile money links, Fayda eKYC and customer data to grow cheap, stable deposits.6 lessons · 65 min · quiz
- Module 05Non-deposit resources, performance and the three-year strategyCompare interbank, NBE facilities, bonds, subordinated debt, equity and development finance lines, manage mobilization with scorecards and campaign returns, and present Bank A's three-year strategy.6 lessons · 70 min · quiz
- Officer simulationA month as resource mobilization officer at Bank A head officeWork as resource mobilization officer, resource mobilization department: 11 real-life items, decisions with consequences and a hand-over note. Pass with 70% to qualify for the certificate.
- Final examFinal exam and certificate20 applied questions across all 5 modules. Pass with 70% to download your certificate.
Built on
- Erudite Africa training module: Ethiopian Context, topic 1.b Resource Mobilization Strategies and Frameworks, Levels 1 and 2 (October 2026)
- NBE Directive NBE/INT/13/2026 and the NBE Monetary Policy Committee release No. 7 (13 July 2026)
- NBE directives SBB/72/2019, SBB/94/2025, SBB/95/2025, FXD/01/2024 and FXD/04/2026, and National Bank of Ethiopia Proclamation No. 1359/2025, as cited in the lessons
- NBE Risk Management Guidelines (May 2010)
- Erudite Africa Domestic Banking Operations course notes on deposit products and account maintenance (2026)
- National Financial Inclusion Strategy II (2021 to 2025) and the NFIS-III refresh
Examples and companies are fictional. Bank practices are shown as typical Ethiopian practice, not as any one bank's policy. Always apply your own institution's approved policy and the current NBE directives.