Investment Loan
It is an act of aquairing money to allocate it on activities expecting better benefits from it. CBE is currently gives the following loans for those eligable for the sector.
- Term Loan
- Motor Vehicle Loan
- Construction Machinery Loan
- Partial Financing
- Syndicate Loan
- Agricultural Term Loans
- Idea Financing
Micro-Finance Institution’s Loan
A Micro-Finance Institution’s Loan is a loan availed to the Micro-Finance Institutions mainly in the form of term loans that are repayable within short –tomedium–terms

Channel Financing
1.1 Channel Financing is a form of short-term loan rendered to potential creditcustomers recommended by existing CBE’s prominent customers engaged indomestic manufacturing, agricultural production, wholesaling, retailing orsupplying businesses with which they have a business relationship. The loan isprovided after the supplier or manufacturer provides unconditional letter ofguarantee to CBEor other acceptable collateralif the loan amount is huge.
- The guarantor may recommend as potential customer(s) to the Bank both his/her/its supplier and/or receiver.
- The guarantor shall present the recorded business relationship including payment track record and level of purchases/sales.
- Financial statements and cash flow statement of the two parties along with the capacity of the guarantor to repay both loans in case of default shall be carefully analyzed.
- The Bank may finance up to 75 % of the submitted sales contract value and maximum of 70% for vehicles.
- The financing should be extended only the bases of current sales contract and it shall not finance previous sales contracts.
- The applicant or the would-be customer applies for credit having letter of recommendation from the guarantor.
- Channel financing should not be rendered to affiliated companies, associates or subsidiaries.
Urban Utilities Financing
Urban Utilities Financing is a type of short and medium-term loan granted tomunicipalities & private persons for supplying urban utilities such as
- dry and liquid waste management
- abattoirs
- public ambulance services
- firefighting
- street lighting
- road asphalt and pavement works
- sanitation
- roadside public latrine service
- development of cityparks
Consulting Firm Financing
Consulting Firm Financing is a form of short-term loan extended for the purpose ofworking capital financing to business professionals engaged in rendering professionalservices
- Engineering
- ICT
- Law
- Accountancy
- Art
Inter-Bank Lending
An Inter-Bank Lending is a short-term loan extended to alleviate liquidity shortageof other commercial banks. In rendering this credit service, the credit and risk analyst shall evaluate the requestbased on the banking business performance indicators.
- Funding liquidity risk at banks
Loan Buyout
Some description goes here

Diaspora Loan/Financing Products
These loan products are prepared for Foreign Nationals of Ethiopian Origin and Ethiopian living abroad. They are given both in theconventional banking service and CBE Noor Interest Free Banking Service.
- Conventional Diaspora Loan/Financing Products
- 1. Mortgage (Residential house purchase/construction)
2. Automobile purchase
3. Personal
- Interest Free Banking (Murabaha based) Diaspora Loan/Financing Products
- 1. Mortgage (Residential house purchase/construction)
2. Automobile purchase
- I: Eligibility Criteria
- 1. Identity:
- 1.1. Foreign Nationals of Ethiopian Origin
- Documentation Required
- • Valid foreigner passport
• Valid Ethiopian origin ID
• Social security/national identity/social insurance/national insurance number
- 1.2. Ethiopian living abroad
- Documentation Required
- • Valid Ethiopian passport
• Resident permit and/or work permit
• National id
- 2. Defined Income source
- 2.1. Employee
- Documentation Required
- • Formal employment letter from the employer stating his/her basic salary with all deductions.
• Latest bank statement or individual tax return report at least for one year
- 2.2. Others
- Documentation Required
- • Present evidence of FCY receipt through CBE for the last 12 months preceding the date of application
• Latest bank statement or individual tax return report at least for one year
- 3. Age
- Age must be at least 18year but less than 64 years at time of loan application
- Documentation Required
- • Birth certificate
- 4. Marital status
- 4.1. Married
- Documentation Required
- • Marriage certificate