The Ethiopian Deposit Insurance Fund (Edif) has generated 1.23 billion birr in revenue for the first half of the 2025/26 fiscal year. This income stems primarily from returns on treasury bills and Mudarabah savings investments. Edif's investment portfolio surged 128 percent in six months to 19.8 billion birr.
The Ethiopian Deposit Insurance Fund (Edif), established in 2023 to safeguard depositors and ensure financial system stability, has posted robust results for the first half of the 2025/26 fiscal year, ending December 2025. Its revenue of 1.23 billion birr pushed the cumulative total since inception to 2.56 billion birr, fueled mainly by yields from treasury bills and Mudarabah savings, an interest-free profit-sharing mechanism.
The fund's investment portfolio expanded dramatically by 128 percent over six months, reaching 19.8 billion birr. Of this, 18 billion birr is invested in treasury bills, with 1.7 billion birr in Mudarabah placements. Edif also exceeded premium collection targets, gathering more than 3.7 billion birr from member institutions—a 31 percent rise from the previous year. Lifetime premiums now total nearly 18 billion birr.
Breakdowns show 16.2 billion birr from conventional banking and 1.6 billion birr from interest-free operations. Private banks contributed 8.97 billion birr, while the state-owned Commercial Bank of Ethiopia provided 8.6 billion birr. Experts note these figures underscore Edif's swift buildup of financial resources and investment momentum in Ethiopia's evolving banking sector.