EDIF reports massive half-year revenue of 1.23 billion birr

The Ethiopian Deposit Insurance Fund (EDIF) has reported strong financial performance for the first half of the 2025/26 fiscal year, generating 1.23 billion birr in revenue. This brings the Fund’s total accumulated revenue since its inception to 2.56 billion birr.
The half-year revenue was largely driven by returns on investments in treasury bills and Mudarabah savings, a profit-sharing instrument used in interest-free banking. EDIF’s total investment portfolio has experienced significant growth, increasing by 128 percent in just six months to reach 19.8 billion birr. Most of this investment, 18 billion birr, is in treasury bills, with 1.7 billion birr allocated to Mudarabah arrangements.
The Fund also surpassed its target for premium collections from member financial institutions. In the six months ending December 2025, it collected over 3.7 billion birr in premiums, a 31 percent year-on-year increase. Cumulative premium income has now reached nearly 18 billion birr.
Of the total premiums, 16.2 billion birr came from conventional banking, while 1.6 billion birr was sourced from interest-free banking operations. A breakdown by institution reveals that private banks contributed 8.97 billion birr, with the state-owned Commercial Bank of Ethiopia alone accounting for 8.6 billion birr of the total premium income.
Established in 2023 to protect depositors and promote stability in the financial system, EDIF’s latest figures highlight its rapidly growing financial base and investment activity, according to experts.