← Resource Mobilization Strategies and Frameworks

Why resources matter and the deposit products

Module 01 / 5 · 60 min · Free preview

See 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.

In this module you will learn to

Explain why deposits are the main funding source of Ethiopian banks and how the bank earns a spread
Describe how the National Bank Rate, inflation and free rate setting under NBE/INT/13/2026 shape deposit pricing
Calculate the real return a saver earns when inflation is high
Describe savings, current, fixed time, youth, women, diaspora and interest-free accounts and match them to customer needs

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.