Reported October 31, 2026. Thumbnail: editorial illustration.
Key Takeaways
• Birr 2.61 billion in annual premiums was collected during the first fiscal quarter.
• 25.48% growth was recorded against the same period last year.
• EDIF’s cumulative premium collections reached Birr 26.03 billion.
• CBE supplied 48.1% of cumulative collections; private banks contributed 50.6%.
• Birr 27.24 billion is invested across Treasury bills and a Mudarabah account.
• More than 90% of the investment portfolio is allocated to government Treasury bills.
• Birr 100,000 is the coverage ceiling per depositor per member institution across eligible accounts.
Market Impact
Growing premiums expand the resources supporting EDIF’s depositor-protection mandate. The investment portfolio is concentrated in government bills, alongside separately managed interest-free funds.
The coverage ceiling remains important for depositors with larger balances. In June 2025, fully insured deposits represented 13.65% of member institutions’ total deposits.
Key Numbers
• Birr 2.61 billion — quarterly premium collection — resource growth.
• Birr 24.88 billion — Treasury-bill investment — portfolio concentration.
• Birr 100,000 — coverage ceiling — protection limit.
Business Signal
EDIF’s resources are expanding, while larger deposit balances remain exposed beyond the insurance ceiling.