Gadaa Bank S.C.

Commercial bank

Prices published

Not disclosed

Price categories

Tariff date in research profile

Sene–Hamle 2018 EC

Research snapshot. Prices were collected from public sources on 14 Meskerem 2019 and are not confirmed by the institutions. Records include historical, proposed and unconfirmed prices; only current records with reviewed terms enter calculations. Check with the provider before you decide. How we compare →

Provider website Tariff page Financials

Yes - IFB window (Sharia Advisory Committee)

Deposits

13 tariff records

13 of 13 records

			Source
Special (interest-bearing) Current AccountInterest rate	Not disclosed	Negotiable; ordinary demand deposit no interest	Source
Fixed Time DepositInterest rate	Not disclosed	Negotiable	Source
Ordinary Saving AccountInterest rate	7.0% a year	Compounded monthly — Tariff states 'minimum saving interest rate' (NBE floor, currently 7%)	Source
Farmers Saving AccountInterest rate	8.5% a year	Minimum rate + 1.5% (7% floor assumed)	Source
Dabbale Gammee / Siinqee / Gadamoji SavingInterest rate	8.0% a year	Minimum rate + 1% (7% floor assumed)	Source
Dabbale / Game Kusa / Sabata / Yuba SavingInterest rate	7.5% a year	Minimum rate + 0.5% (7% floor assumed)	Source
Furtu Saving AccountInterest rate	7.2% a year	Minimum rate + 0.25% (7% floor assumed)	Source
Special Saving Deposit (>3M ETB)Interest rate	Not disclosed	Deposits above 3 million ETB — Negotiable	Source
Time deposit rateTime deposit rate	Not disclosed	3 months — Reviewed 2026-09-24 after NBE/INT/13/2026. No dated post-directive numerical quote verified for this term. Not disclosed is a research gap, not a zero rate or proof the product is offered. Undated legacy quotes elsewhere are not confirmation of current pricing. A negotiated rate is not a published numerical term schedule.	Source Medium confidence
Time deposit rateTime deposit rate	Not disclosed	6 months — Reviewed 2026-09-24 after NBE/INT/13/2026. No dated post-directive numerical quote verified for this term. Not disclosed is a research gap, not a zero rate or proof the product is offered. Undated legacy quotes elsewhere are not confirmation of current pricing. A negotiated rate is not a published numerical term schedule.	Source Medium confidence
Time deposit rateTime deposit rate	Not disclosed	12 months — Reviewed 2026-09-24 after NBE/INT/13/2026. No dated post-directive numerical quote verified for this term. Not disclosed is a research gap, not a zero rate or proof the product is offered. Undated legacy quotes elsewhere are not confirmation of current pricing. A negotiated rate is not a published numerical term schedule.	Source Medium confidence
Time deposit rateTime deposit rate	Not disclosed	24 months or longer — Reviewed 2026-09-24 after NBE/INT/13/2026. No dated post-directive numerical quote verified for this term. Not disclosed is a research gap, not a zero rate or proof the product is offered. Undated legacy quotes elsewhere are not confirmation of current pricing. A negotiated rate is not a published numerical term schedule.	Source Medium confidence
Current ordinary savings rate confirmationCurrent ordinary savings rate confirmation	Not disclosed	Reviewed 2026-09-24 after NBE/INT/13/2026. No dated post-directive numerical quote verified for this term. Not disclosed is a research gap, not a zero rate or proof the product is offered. Undated legacy quotes elsewhere are not confirmation of current pricing.	Source Medium confidence

Loans

11 tariff records

11 of 11 records

			Source
Agricultural term loanInterest rate	20.5%–23.3% a year	Up to above 60 months 23.25%	Source Medium confidence
Domestic trade & services term loanInterest rate	21.5%–23.3% a year	Up to 12 months 21.5% to above 60 months 23.25%	Source
Manufacturing/industry term loanInterest rate	21.5%–23.5% a year	Up to 12 months 21.5% to above 60 months 23.5%	Source
Collateral estimationValuation fee	ETB 5,000.00–ETB 13,500.00	Apartment 5000 to tall buildings 13500 + 1000 per floor	Source
Export term loan (non-working capital)Interest rate	18.0%–22.5% a year	Up to 12 months 18% to above 60 months 22.5%	Source
Export working capital loanInterest rate	17.5%–21.8% a year	Up to 12 months 17.5% to above 60 months 21.75% — Regular export overdraft 19%	Source
Credit processing feeFee	0.04%–0.06% of amount · minimum ETB 5,000.00	0.035% (<5M ETB) to 0.055% (>=100M ETB) — Minimum 5000 ETB per request; consumer loan flat 2500 ETB	Source
Early settlement (commitment fee)Penalty	3.00% of amount	On early repaid principal — Exempt: staff; diaspora; corporate; NPLs	Source
Overdraft (domestic trade / agriculture / manufacturing)Interest rate	20.5%–22.8% a year	Agriculture 20.5%; domestic trade 22.5%; manufacturing 22.75%	Source
General consumer loanInterest rate	21.0%–23.0% a year	Up to 12 months 21% to above 60 months 23%	Source
Micro loansInterest rate	18.5%–20.8% a year	Up to 12 months 18.5% to above 60 months 20.75%	Source

Interest-free products

15 tariff records

15 of 15 records

			Source
Mudarabah saving accountsProfit-sharing ratio	Not disclosed	Product page shows no ratios	Source
Murabaha - agricultural machinery / working capitalProfit (markup) rate	10.50%–13.50% of amount · (% of financed amount)	1 year; 10.5% quarterly / 11.5% semi-annual / 13.5% annual repayment — Cumulative profit %; 5 yr 49.5-55.5%; 10 yr 115.4-121.24%	Source
Murabaha - manufacturing/industryProfit (markup) rate	11.00%–17.00% of amount · (% of financed amount)	1 year; by repayment mode — Cumulative 10 yr 122-128%	Source
Murabaha - domestic trade/servicesProfit (markup) rate	11.00%–17.00% of amount · (% of financed amount)	1 year; by repayment mode — Cumulative 10 yr 120-126%	Source
Murabaha - hotels & tourism (halal)Profit (markup) rate	10.04%–15.40% of amount · (% of financed amount)	1 year; by repayment mode — Cumulative 10 yr 119.6-125.65%	Source
Murabaha - cooperatives, unions & associationsProfit (markup) rate	9.00%–10.89% of amount · (% of financed amount)	1 year; by repayment mode — Cumulative 10 yr 99-119.79%	Source
Murabaha - consumer financingProfit (markup) rate	10.90%–13.19% of amount · (% of financed amount)	1 year; by repayment mode — Cumulative 10 yr 121.7-147.26%	Source
Murabaha - exportProfit (markup) rate	5.50%–12.00% of amount · (% of financed amount)	3 months 5.5%; 6 months 7.5%; 9 months 9%; 1 year 9.8-12% — Cumulative 10 yr 83-89.76%	Source
Murabaha - building construction & real estateProfit (markup) rate	12.00%–18.50% of amount · (% of financed amount)	1 year; by repayment mode — Cumulative 10 yr 126-131.5%	Source
Murabaha - import financingProfit (markup) rate	10.75%–16.49% of amount · (% of financed amount)	1 year; by repayment mode — Cumulative 10 yr 121-127.12%	Source
Murabaha merchandise - exportProfit (markup) rate	7.10%–9.00% of amount · (% of financed amount)	90 days 7.1%; 180 days 9%	Source
Murabaha merchandise - localProfit (markup) rate	13.27%–17.11% of amount · (% of financed amount)	90 days 13.27%; 180 days 17.11%	Source
Murabaha - motor vehicle & transportProfit (markup) rate	11.04%–16.94% of amount · (% of financed amount)	1 year; by repayment mode — Cumulative 10 yr 123.24-131.38%	Source
Qard al-Hassan pre-shipment export financingProfit rate	Free	Up to 90 days	Source
Wadiah saving / Amanah current accountMinimum balance	Not disclosed	—	Source

Domestic payments

2 tariff records

2 of 2 records

			Source
Local transferFee	ETB 1.00 / ETB 5.00 / ETB 10.00 by amountUp to ETB 1,000.00: ETB 1.00; ETB 1,001.00–ETB 25,000.00: ETB 5.00; ETB 25,001.00–ETB 100,000.00: ETB 10.00	Up to 1000: 1; 1001-25000: 5; 25001-100000: 10	Source
Outgoing RTGSFee	ETB 150.00	—	Source

Digital banking

4 tariff records

4 of 4 records

			Source
Transfer between own accountsFee	Free	—	Source
Transfer to other Gadaa Bank accountFee	ETB 2.00 / ETB 5.00 / ETB 7.00 / ETB 10.00 by amountETB 100.00–ETB 1,000.00: ETB 2.00; ETB 1,001.00–ETB 5,000.00: ETB 5.00; ETB 5,001.00–ETB 15,000.00: ETB 7.00; Above ETB 15,000.00: ETB 10.00	By amount — 100-1000: 2; 1001-5000: 5; 5001-15000: 7; >15000: 10	Source
Mobile banking subscriptionFee	ETB 5.00	Full statement 1 ETB	Source
Transfer to telebirr walletFee	ETB 3.00 / ETB 5.00 / ETB 7.00 / ETB 10.00 / ETB 20.00 / ETB 50.00 by amountETB 100.00–ETB 500.00: ETB 3.00; ETB 501.00–ETB 1,500.00: ETB 5.00; ETB 1,501.00–ETB 5,000.00: ETB 7.00; ETB 5,001.00–ETB 10,000.00: ETB 10.00; ETB 10,001.00–ETB 100,000.00: ETB 20.00; Above ETB 100,000.00: ETB 50.00	By amount — 100-500: 3; 501-1500: 5; 1501-5000: 7; 5001-10000: 10; 10001-100000: 20; >100000: 50	Source

International remittance

2 tariff records

2 of 2 records

			Source
Advance payment (TT) import / invisible paymentsService charge	4.00% of amount	SWIFT (MT103) USD 100; freight 4%	Source
SWIFT chargeFee	USD 100.00	Per message	Source

Foreign exchange

1 tariff records

1 of 1 records

			Source
Cash sales FX commissionCommission	4.00% of amount	—	Source

Cheque services

4 tariff records

4 of 4 records

			Source
Bounced chequePenalty	Prices vary by published conditions · 1st 100 ETB; 2nd 3% (max 25000); 3rd 5% (max 50000)	1st 100 ETB; 2nd 3% (max 25000); 3rd 5% (max 50000)	Source
CPO issuanceFee	ETB 1,000.00–ETB 1,500.00	1000 from account; 1500 against cash — Cancellation/amendment 1000	Source
Cheque bookIssuance fee	ETB 75.00–ETB 400.00	10 leaves 75; 25 leaves 100; 50 leaves 250; 100 leaves 400	Source
Stop payment (cheque or CPO)Fee	ETB 300.00	Plus 10 ETB per cheque leaf	Source

Account services

4 tariff records

4 of 4 records

			Source
Account closure before 6 monthsFee	ETB 100.00	—	Source
Dormant account feeFee	ETB 25.00–ETB 250.00	Per six months: saving 25; current 250	Source
Damaged/lost passbookFee	ETB 100.00	—	Source
Saving account statementFee	ETB 25.00 · (ETB per page)	—	Source

Trade finance

3 tariff records

3 of 3 records

			Source
CAD import - PO approvalCommission	4.00% of amount	SWIFT USD 100	Source
Foreign guarantee commissionCommission	Prices vary by published conditions · Per 90 days — 0.5% up to USD 150000 down to 0.20% above USD 300001	Per 90 days — 0.5% up to USD 150000 down to 0.20% above USD 300001	Source Medium confidence
Import LC opening commissionCommission	4.00% of amount	Service charge / amendment / confirmation / extension nil; SWIFT USD 100	Source

Research notes

Mobile apps: Gadaa mobile banking · internet banking

NBE est. 01/04/2022. Listed on Ethiopian Securities Exchange (per Businessfront 2026). Got a 3-year extension on the ETB 5bn capital rule. Tariff page covers deposit rate formulas, IFB Murabaha cumulative profit rates by sector/tenor, FX services and digital; credit tariff PDF (2026-07) and branch tariff PDF (2025-06). | Social review: five platform URLs populated; inherited versus newly cross-linked provenance in Social_Coverage.md. Public2025-26post search is bounded, not exhaustive.

Provider sources

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