Berhan Bank stood out with strong performance in a turbulent financial sector last year, amid foreign exchange regime shifts and ongoing inflation. Its loan-to-deposit ratio slipped slightly to 77.2 percent, while non-performing loans edged down to 4.78 percent.
Berhan Bank demonstrated standout performance last year in Ethiopia's turbulent financial sector, characterized by foreign exchange regime shifts and persistent inflation. This marked a decisive turn for mid-sized private banks. The bank's loan-to-deposit ratio slipped slightly to 77.2 percent, indicating a cautious approach to lending. Non-performing loans decreased marginally to 4.78 percent. The asset quality remained strong, supported by conservative collateral valuation and an emphasis on legacy exposures over new defaults. These metrics highlight Berhan Bank's resilience amid broader economic pressures. The report, dated December 27, 2025, was written by Nahom Ayele, a Fortune staff writer. While details on overall profitability or comparisons to specific peers are limited, the bank's strategy underscores a preference for measured growth in uncertain times.