Methodology & Coverage

Data sourcing

Every figure on this platform is re-presented from an already-public disclosure — an annual report, audited financial statement, or regulatory prospectus — published by the institution itself or a regulator. The original PDF is always linked next to the data, and every figure carries a source citation with the document, page numbers, and the date it was last verified.

Verification & confidence

Figures marked 'high' confidence come from audited financial statements; 'medium' confidence figures come from summary or prospectus tables derived from audited statements. Anything below that is flagged 'unverified' wherever it appears. We never estimate, interpolate, or extrapolate: if a value is not in a public document, it does not appear — gaps are shown explicitly as 'Not disclosed'.

How content is produced

Content files are produced by AI agents at build time: agents fetch public documents, extract structured data with citations, and every file is validated against schemas and integrity rules before the site builds. No AI runs at runtime — the deployed site is fully static.

The health indicator

The Simple-mode health indicator (strong / stable / watch) is rule-based, never judged by an AI. It is computed from published thresholds versioned in each sector's definition file, shown below. The same rule set applies to every institution in a sector.

Coverage report

The platform targets five fiscal years per institution (2012EC–2016EC). This report lists exactly which company-years are missing — because no public source could be found — so you can see the gaps rather than have them hidden.

Years outside the 2012EC–2016EC window (e.g. 2017EC) are included where published but not counted as gaps.

Disclaimer

This platform re-presents public data for transparency and research. It is not affiliated with the institutions covered or their regulators, and nothing here is investment advice. Always verify figures against the original source document before relying on them.

Explainers

• What is the Capital Adequacy Ratio (CAR)? — The single most-watched safety number for a bank — what it measures, why the NBE sets a floor, and how to read it.
• How Ethiopian fiscal years work — Why '2016 E.C.' mostly means 2023/24 — the Ethiopian calendar, the Hamle–Sene fiscal year, and how we label years.
• Reading a bank's balance sheet — Deposits, loans, equity and assets — what each line tells you about a bank's health, in plain language.
• What are non-performing loans (NPLs)? — The NPL ratio is the standard test of a bank's loan quality — what counts as non-performing, why it matters, and how to read the trend.
• ROA and ROE: judging a bank's profitability — Return on assets vs return on equity — the two profitability ratios every bank watcher uses, and the leverage trap hidden in a high ROE.
• The liquidity ratio: can a bank pay what it owes? — Why profitable banks can still run out of cash — what the liquidity ratio measures, the NBE floor, and how to read the trend.
• Reading a bank's income statement — Interest income, fees, costs and provisions — how a bank's profit is built line by line, and what the composition of profit tells you.
• How the National Bank of Ethiopia supervises banks — Capital, asset quality and liquidity — the NBE's rulebook for Ethiopian banks, what a breach means, and why compliance is a floor, not a ranking.
• The Ethiopian Securities Exchange (ESX), explained — Ethiopia's stock exchange — launched January 2025 under ECMA, from Wegagen Bank's first listing to Ethio Telecom's landmark IPO, and why it matters.
• Ethiopia's financial regulators and market institutions: a directory — NBE, ECMA, ESX, EDIF, EIH, ECA, AABE and more — who regulates, owns, and backstops Ethiopian finance, and why each matters for disclosures.