Overview
Oromia Bank. Latest authored financials cover FY2025/26 (2018 E.C.), from the bank's own annual report with audited bank-only statements. Total assets reached Birr 105.7 billion as of 30 June 2026.
Audited bank-only results for the year ended 30 June 2026: profit after tax of ETB 2.842 billion, up 43.0%, and pre-tax profit of ETB 3.823 billion; total assets of ETB 105.700 billion. Gross income before funding costs and impairments was ETB 15.240 billion, up 23.3%, of which ETB 1.726 billion was a foreign-exchange gain within other operating income. Customer deposits, including interest-free deposits, were ETB 88.081 billion and loans plus interest-free financing ETB 56.209 billion. Capital adequacy is printed as 14% (13.52% from the note's capital and risk-weighted assets) and the NPL ratio as 2.43%. These audited figures replace the rounded AGM results reported by Ethiopian Business Review.
SourceETB 15.24B
ETB 2.84B
ETB 105.7B
SourceETB 11.42B
Performance
Income statement
| Fiscal year | 2008EC | 2009EC | 2010EC | 2011EC | 2012EC | 2013EC | 2014EC | 2015EC | 2016EC | 2017EC | 2018EC |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | ETB 1.16B | ETB 1.49B | ETB 2.47B | ETB 3.23B | ETB 3.84B | ETB 3.12B | ETB 4.11B | ETB 5.9B | ETB 6.41B | ETB 12.36B | ETB 15.24B |
| Interest Income | ETB 763.35M | ETB 910.75M | ETB 1.51B | ETB 2.22B | ETB 2.95B | ETB 3.46B | ETB 4.11B | ETB 5.94B | ETB 7.19B | ETB 8.2B | ETB 10.05B |
| Total Expenses | ETB 838.51M | ETB 1.12B | ETB 1.53B | ETB 2.23B | ETB 2.77B | ETB 1.99B | ETB 2.59B | ETB 3.9B | ETB 5.41B | ETB 9.79B | ETB 11.42B |
| Net Profit | ETB 248.32M | ETB 290.2M | ETB 727.71M | ETB 745.85M | ETB 860.55M | ETB 871.99M | ETB 1.2B | ETB 1.58B | ETB 840.91M | ETB 1.99B | ETB 2.84B |
| Income From Murahabah Financing | ETB 33.15M | ETB 108.94M | — | — | — | — | — | — | — | — | — |
| Commission Income | ETB 74.64M | ETB 141.13M | — | — | — | — | — | — | — | — | — |
| Service Charges | ETB 173.1M | ETB 185.61M | — | — | — | — | — | — | — | — | — |
| Other Income | ETB 25.91M | ETB 29.84M | — | — | — | — | — | — | — | — | — |
| Gain On Foreign Currency | ETB 93.41M | ETB 117.81M | — | — | — | — | — | — | — | — | — |
| Interest Expense | ETB 236.75M | ETB 328.75M | ETB 543.43M | ETB 836.8M | ETB 1.25B | ETB 1.4B | ETB 1.65B | ETB 2.34B | ETB 3B | ETB 3.58B | ETB 4.29B |
| Profit Before Tax | ETB 325.05M | ETB 378.68M | ETB 938.04M | ETB 1B | ETB 1.07B | ETB 1.13B | ETB 1.52B | ETB 2B | ETB 1.01B | ETB 2.57B | ETB 3.82B |
| Interest Free Financing Income | — | — | ETB 136.83M | ETB 181.39M | ETB 198.96M | ETB 326.05M | ETB 358.34M | ETB 509.8M | ETB 449.16M | ETB 524.79M | ETB 842.7M |
| Fee And Commission Income | — | — | ETB 505.55M | ETB 654.2M | ETB 522.38M | ETB 619.56M | ETB 1.02B | ETB 1.55B | ETB 1.58B | ETB 3.03B | ETB 2.45B |
| Other Operating Income | — | — | ETB 320.46M | ETB 177.64M | ETB 159.08M | ETB 112.72M | ETB 302.57M | ETB 262.47M | ETB 265.54M | ETB 604.8M | ETB 1.89B |
| Distribution To Depositors Ifb | — | — | ETB 166K | ETB 13K | — | — | — | — | — | — | — |
| Loan Impairment Charge | — | — | ETB 18.35M | ETB 152.92M | — | ETB 47.45M | ETB 15.69M | ETB 91.89M | ETB 44.76M | ETB 135.65M | ETB 155.66M |
| Impairment Losses On Other Assets | — | — | ETB 11.38M | ETB 2.88M | ETB 4.11M | — | ETB 51.77M | — | ETB 23.95M | ETB 20.37M | ETB 92.37M |
| Personnel Expenses | — | — | ETB 622.67M | ETB 798.7M | ETB 968.24M | ETB 1.24B | ETB 1.54B | ETB 2.33B | ETB 3.16B | ETB 3.54B | ETB 3.92B |
| Income Tax Expense | — | — | ETB 210.34M | ETB 255.49M | ETB 204.53M | ETB 256.98M | ETB 317.5M | ETB 417.47M | ETB 166.47M | ETB 584.02M | ETB 980.68M |
| Profit Sharing Interest Free Banking | — | — | — | — | — | ETB 788K | ETB 31.37M | ETB 30.34M | ETB 73.75M | ETB 124.25M | ETB 153.39M |
| Other Operating Expenses | — | — | — | — | — | ETB 390.17M | ETB 598.6M | ETB 978.78M | ETB 1.42B | ETB 1.53B | ETB 1.89B |
Balance sheet
| Fiscal year | 2008EC | 2009EC | 2010EC | 2011EC | 2012EC | 2013EC | 2014EC | 2015EC | 2016EC | 2017EC | 2018EC |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | ETB 11.28B | ETB 16.29B | ETB 23.8B | ETB 31.78B | ETB 33.83B | ETB 41.69B | ETB 52.05B | ETB 65.41B | ETB 68.07B | ETB 85.46B | ETB 105.7B |
| Total Deposits | ETB 9.35B | ETB 13.41B | ETB 19.93B | ETB 26.59B | ETB 27.73B | ETB 34.35B | ETB 43.52B | ETB 54.27B | ETB 56.42B | ETB 70.94B | ETB 88.08B |
| Total Loans | ETB 5.17B | ETB 7.04B | ETB 9.97B | ETB 15.32B | ETB 17.16B | ETB 24.94B | ETB 31.26B | ETB 41.56B | ETB 42.67B | ETB 44.07B | ETB 56.21B |
| Equity | ETB 1.32B | ETB 1.67B | ETB 2.59B | ETB 3.71B | ETB 4.6B | ETB 5.47B | ETB 6.84B | ETB 8.66B | ETB 9.58B | ETB 11.56B | ETB 14.03B |
| Interest Free Financing | ETB 491.75M | ETB 1.02B | ETB 1.62B | ETB 1.89B | ETB 2.42B | — | — | — | — | — | — |
| Deposits From Customers | — | — | ETB 16.91B | ETB 22.43B | ETB 23.78B | — | — | — | — | — | — |
| Interest Free Deposits | — | — | ETB 3.01B | ETB 4.15B | ETB 3.95B | — | — | — | — | — | — |
| Total Liabilities | — | — | — | — | — | — | — | — | — | — | ETB 91.67B |
| Share Capital | — | — | — | — | — | — | — | — | — | — | ETB 7.82B |
Cash flow
| Fiscal year | 2018EC |
|---|---|
| Net Cash From Operating | ETB 9.07B |
| Net Cash From Investing | -ETB 4.62B |
| Net Cash From Financing | -ETB 646.91M |
| Cash And Equivalents End | ETB 27.31B |
Financial health
—
—
13.5%
2.4%
Cost-to-income
—
Liquidity ratio
25.6%
Competitors
Peer institutions in the same sector, latest fiscal year.
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Net profit · 2017EC
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Net profit · 2018EC
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Net profit · 2018EC
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Net profit · 2018EC
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Net profit · 2017EC
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Net profit · 2017EC
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Net profit · 2017EC
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Net profit · 2017EC
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Net profit · 2017EC
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Net profit · 2017EC
-ETB 6.84B
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Net profit · 2018EC
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Net profit · 2017EC
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Net profit · 2018EC
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Net profit · 2017EC
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Net profit · 2017EC
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Net profit · 2017EC
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Net profit · 2017EC
ETB 1.24B
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Net profit · 2018EC
ETB 1.07B