Awash International Bank Products and Services

Awash International Bank Products and Services: Awash Bank offers a unique bouquet of innovative
products and services that help individuals, small and medium scale businesses and competitive
business to manage their finances.

SPECIAL DEPOSIT ACCOUNTS

Lucy Women Special Saving Account

Special Saving Account for Elders

Smart Children Account

Student Solution Account

Wadiah Student Solution Account

Salary Drawing Solution Account

Investment Solution Account

Check Payment’s Solution Scheme (CPSS)

Provident Fund Solution Account

DIGITAL CHANNELS
Mobile Banking

Agency Banking

Debit Card Service

Online Channel (Internet Banking)

FOREIGN CURRENCY ACCOUNTS

Non Resident Non Transferable Birr accounts

Non Resident Transferable Birr accounts

Non Resident Transferable Foreign Currency accounts

 OTHER SERVICES
Interest Free Banking

Money Transfer Services

International Banking Services

Credit Services

Diaspora Banking Services

School/Tuition Fee Collection Services

SPECIAL PRODUCT PACKAGES

Financial Products and services for Tour and Travel operators

Package of Financial Products and Services for Religious Institutions

Banking Products and Services for Micro Finance Institutions (MFIs)

Package of Products and Services for High/Ultrahigh net worth Individuals (HNIS/UHNIS)

Banking Products and Services for saving and credit cooperatives and other Associations

ACCOUNTS MANAGEMENT
Saving Account

Current Account

Special Savings Account

Fixed Time Deposit Accounts

Business Banking
Awash Bank provides highly competitive business solutions and financial advisory

services for various successful multi-nationals and corporate organizations.

As the provider of Commercial Banking Products and Services, the experience and

knowledge we acquired over 22 years of business engagement enables us to provide

the best possible solutions to our customers’ specific objectives. Our team of banking

professionals specializes in solutions and services tailored to meet the financial needs of

our diverse business clients. Our financial strength allows us to provide the valuable

tools, services, and meaningful benefits our customers need to meet their business’s

banking and investment needs. The following are the major business areas of the bank

where we can deliver financial services to our customers.

CUSTOMER SEGMENT
Business Banking is a targeted bank offering that provides special type of tailored solution of
banking and financial services having a number of products in bundle to various businesses and
markets. Business Banking seeks to meet the financial needs of multiple business sectors such as
trade, agriculture and industry, playing an important role in meeting their commercial and
economic requirements when establishing, managing and growing their business. It covers
several financial functions such as deposits, loans and credit, money transfers, merchant banking
facilities, rent payments, foreign exchange transactions and securities trading and the like to
fulfill the financial needs of various business sectors.

1.           Account Management

We provide you with opening and managing ETB Bank Account. With full business

banking packages including cheque-book issuance, bank transfers, providing

statements, AIB is proven in providing excellent customer services in maintaining banks

accounts to its customers. The service package provided in this area of operation

includes:
A) Deposits
We furnish you a checking account into which you can transact your funds through

issuing cheque. We will collect and deposit cash transactions immediately and collect,

clear and deposit cheques at the soonest possible time.     In case where the deposit

amount is big enough, Awash Bank shall collect the sales/service deposits by its own
from your office. The bank shall provide off-working hour deposit services whenever the

need arise.
B) Statements
      Awash Bank shall issue monthly Bank Statements showing the overall transactions

made through the bank along with advice and all other documentation. The bank shall

issue weekly and annual statement as deemed necessary.

C) Assignment of personnel
        The Bank shall identify personnel in both the nearby branch and main office who are

available during normal working hours to answer questions pertaining to transactions

which require more detailed explanation.

D) Priority service
       Should the need arise, provision will be made for priority servicing of your deposits

and related banking business, such that your personnel will not need to wait in line to

make deposits and will be able to perform all banking business at one work station.

Some of the local currency denominated deposit accounts for business customers is

stated here below:

          Savings Account
We offer 5% interest on saving deposits compounded monthly.
          Current Account
This account does not generate interest income and operated by cheque.
         Special Saving Accounts
It is a deposit account having the features of both savings and current accounts.

Like savings account it generates interest income and like current account it is

operated by cheque. The funds maintained in this account shall bear the

prevailing interest rate (5%) on saving

         Provident Fund Solution Account (PFSA)
PFSA is designated to benefit different organizations and their staff with

attractive interest rate along with loan features. The prevailing interest rate (5%)
 plus 0.5% bonus will be calculated on individual PF accounts. Moreover, attractive

interest rate will be provided depending upon the amount and duration of the

provident fund kept at our bank.

          Cheque Payments Solution Scheme (CPSS)
CPSS is a special type of account that links savings and current accounts of the

same customer as a means of attracting customers for keeping their money in

the bank and facilitate the fund transfer process. The current account portion has

no interest while the savings account portion gets the prevailing interest rate

(5%) plus a bonus of 0.25%.

       Time Deposits
Awash Bank’s interest rate on fixed deposits is the most attractive in the industry

and ranges from 6% to 12% based on the amount of fund deposited and the

duration of time.

If the organization has an accumulated provident fund, Awash Bank can pay

attractive interest rate based on the amount and duration of the fund. The rate

can be negotiated between the bank and your esteemed organization.

 
2.  International Banking/ Trade Services
We have established a strong financial link with reputable international banks spreading

throughout the world. Accordingly, we have correspondent relations and SWIFT

arrangements with more than 300 banks all over the world, which will allow us to

handle fund transfer from any corner of the world in a shortest possible time.
2.1. Forex Bureau Services
We can serve you at your office with in an agreed time interval to cash/convert your

staff foreign currency or any other convertible currency cheques in exchange of ETB at

prevailing exchange rate. Moreover, we will provide you all kinds of foreign exchange

services as per your desire.

2.2. Foreign Currency Account Management
We manage foreign currency account so that any type of foreign currency transfers

through Bank-to-Bank arrangement (SWIFT) from different corners of the world can be

directly channeled to this account within a shortest time or converted to Birr and directly

credited to your ETB account.

You can use your foreign currency account to make payment in currencies other than

ETB via bank drafts and other commercially accepted payment methods, like cheque,

telegraphic transfer etc.

2.3. Services for Import Businesses

 Letter of credit issuance,

 Documentary collection service such as inward bill collection, Shipping Guarantee, Air
Waybill Endorsement and others, to quickly take delivery of cargo to avoid costly

demurrage charges.

 Import financing/financing the purchase of goods and take ownership earlier.

2.4. Service for export businesses

          Letter of credit advising (Verify the authenticity of Letter of Credit)

          Letter of credit confirmation (to eliminate credit and country risks associated

with Letter of Credit).

          Letter of Credit Negotiation/Discounting (to convert receivables to cash

immediately)

          Letter of credit (purchase goods quickly and easily by transferring export letter

of credit).

          Outward bills collection (Collecting payments easily and efficiently)

          Export bills financing

          They export Pre-shipment financing (working capital for purchase of items to

be exported against sales contract or Letter of Credit)

          They need export open account Post-shipment Financing

2.5. Remittance
          Incoming Transfer through Swift

          Incoming transfer (remittance) through money transfer agents like Western

Union, MoneyGram, Transfast, Xpress money, RIA, Ezremit, Doha Bank, Dubai

Remit, Asgori, Alante, Money Trans, T &Y money Transfer, Dahabshil

          Outgoing transfer through Swift.

          Outgoing Transfer through Demand draft

 
3.  Funds Transfer Services
The bank shall provide automated local transfer facilities through our state of the art

core banking system that allow your company to conduct outgoing transfers and

receive data on incoming fund transfers.

Account to account transfer shall bear no fees and charges and credit and debit notices

shall be reported at the time the transfer is made and included in the monthly

statement.

All incoming transfers will be communicated through popup SMS message immediately

at the time transaction is made.

4.  Electronic Banking Services
Online services such as account balance information, transfers between accounts,

deposit transaction details, and payment transaction details shall be provided through

our online banking (Internet banking) services.

5.  Payroll Administration Services
We provide payroll-handling services to your staff through opening a salary account at

our Bank by debiting your company’s account as per your written instruction and

crediting the salary account of each staff free of charge. So that, your employees can

withdraw the money from our ATM at any hours of the day using the ATM card or

personally appearing at one of our nearby branches during working hours.

6.   Credit services
we provide short, medium and long term loans and overdraft facilities and specialized

tailor made credit products to each types of designated economic sector where the

business client is engaged in.

 
6.1. Investment/ Project Financing: Project Finance for Expansion, Relocations and
Diversification
In case where there is a need for additional investment, renovation of the existing

business, expansion or any other program that entails fixed investment, the banks shall

provide medium and long term financing.

          Medium / long-term loans for newly incorporated enterprise (the entity

undertaking the project).

          Medium / long-term loans for existing and actively operating enterprise for

procurement of new capital assets and working capital

6.2. Working Capital
          Medium / short-term loans given to an existing and actively operating

enterprise to finance working capital requirements such as for the purchase of

raw materials and to cover overheads and pre-operating costs.

          Short-term financing given in the form of overdrafts, and revolving/non

revolving short term loans for start-ups and established enterprises, to finance

short-term funding gaps.

6.3. Loan products available for business clients
A.    Overdraft

 Regular Overdraft facility (renewable every year based on performance)

 Special Overdraft for Exporters

 Temporary Overdraft Facility (exceptional)

 Overdraw from Overdraft or Current Accounts

B.    Merchandise Loan

 Revolving merchandise loan

 One time merchandise loan

 Merchandise loan against warehouse receipts

 Merchandize loan against import documents

C.    Import Letters of Credit

 Revolving Import Letter of Credit

 One-Time Import Letter of Credit

 Advance Against Import Bills

D.   Export Financing

 Pre- Shipment Export Credit

 Post- Shipment Export Credit/ Advance Against Export Bills/

 Export Finance under Export Credit Guarantee Schemes

E.     Letters of Guarantee

 Bid Bond Guarantee

 Advance Payment Guarantee

 Performance Bond Guarantee

 Customs Bond Guarantee

 Retention Money Guarantee.

 Customs Duty Guarantee

 Suppliers’ Credit Guarantees

F.    Term Loan

 Short Term Loan

  Medium Term Loan

 Long Term Loan

6.4. Loans by Purpose: Awash bank offers loan to the following economic sectors

6.4.1 Agriculture Sector Loans

6.4.2 Manufacturing Loan

6.4.3 Domestic Trade and Service Loan

 Domestic Trade (Wholesaler and Retailers)

 Hotel and Tourism

 Machinery rental service

 Education

 Health

 Works of Art

6.4.4 Loans for International Trade

 Export Trade

 Import Trade

6.4.5 Construction and Real Estate Loan

6.4.6 Transport Loan

6.4.7 Loan for Financial Institutions

6.4.8 Syndicate Financing

6.4.9 Loan for Purchase of Privatized Properties

6.4.10 Consumer Loan

6.4.11 Loan Buy-Out

6.4.12 Loans for Sale of Foreclosed and Acquired Properties

7.    Managing payment of per-diem and travel allowances

This product is tailored to NGOs, Large Corporations and bi-lateral organizations. We

manage per-diem and other payments to participants of trainings/workshops organized

by your good office by assigning our tellers/cashiers from our nearby branch. For events

organized within the city where our branch exists, no charge is involved for the service

we render. On the other hand, for events organized in a city where we don’t have a

branch, an agreed upon (reasonable) charge will be levied on just to cover our expenses.
8.    Non-Financial Products and Service

Apart from the basic financial products and services, Business clients may needs non-

financial products and services.

8.1 Mentorship, counseling and Advisory services: on the preparation of bankable

business plan, suggestion for financial solutions and loan administration through direct

interactions with knowledgeable sources to gain insights and expertise.

 Training: designed to facilitate the learning and development of new and existing skills

and improve performance. This can be done through:

 Workshop/seminar

 Training referrals to training institutions, information technology firms, nonprofits,

universities, and others.

Communication Process
Consumers experience all promotions as information in the environment. Thus the
cognitive processing model of decision making is relevant to understanding the effects of promotions
on consumers. First, consumers must be exposed to the promotion information. Then they must attend
to the promotion communication and comprehend its meaning. Finally, the resulting knowledge,
meanings, and beliefs about the promotion must be integrated with other knowledge to create brand
attitudes and make purchase decisions -form purchase intentions (Peter and Olson, 2010).To
communicate effectively; marketers need to understand how communication works. Communication
involves the nine elements. Two of these elements are the major parties in a communication the sender
and the receiver. Another two are the major communication tools—the message and the media; four
more major communication functions—encoding, decoding, response, and feedback. The last element is
noise in the system (Kotler and Armstrong, 2012).The marketer needs to assess what influence each
communication experience will have at different stages of the buying process. This understanding helps
marketers allocate their communication dollars more efficiently and effectively.

Branch Distribution by Region

Head Office Branch    
Under the Supervision of Chief Retail and SME Banking Officer
S. N Name of Branches S/City Remark
1 Head Office Bole
North Addis Ababa Region
S.No Name of Branches S/City/Region Remark
1 Gurd Shola Yeka
2 Kotobe Yeka
3 Megenagna Yeka
4 Signal Yeka
5 Traffic Ts/Bet Yeka
6 Dessie Ber Yeka
7 Megenagna Adebabay Yeka
8 Ferensay Legasion Yeka
9 Lamberet Yeka
10 Yeka Yeka
11 Abwuare Yeka
12 Kara Road Yeka
13 Kara Alo Yeka
14 Wosen Sefer Yeka
15 Yared Yeka
16 Yeka Abado Yeka
17 Balderas Yeka
18 Kotebe 02 Yeka
19 Kara Mazoria Yeka
20 Abado Meskelegna Yeka
21 Arada Giorgise Arada
22 Arat Kilo Arada
23 Churchill Road Arada
24 H/Giorgis Arada
25 Mehal Arada Arada
26 Piaza Arada
27 Sheger Arada
28 Kebena Arada
29 Sandford Arada
30 Shogele Gullele
31 Addisu Gebeya Gullele
32 Gulele Finance Gullele
33 Rufael Gullele
34 Gojam ber Gullele
35 Sidist kilo Gullele
36 Kechene Chilot Adebabay Gullele
37 Shiro Meda Gullele
38 Kechene Gullele
39 Semen Mazegaja Gullele
40 Sululta Oromia Oromia Special Zone
41 Fitche Oromia North Shoa
42 Gerbeguracha Oromia North Shoa
43 Mukaturi Oromia
44 Chancho Oromia Oromia Special Zone
45 Legetafo Oromia North Shoa
46 Dale Dembel Oromia North Shoa
47 Sendafa Beke Oromia Oromia Special Zone
48 Debreberhan Amhara North Shoa
49 Aleltu Oromia North Shoa
50 Dera Gundo Meskel Oromia North Shoa
51 Sheno Oromia North Shoa
52 Weserbi Oromia North Shoa
53 Wara Jarso Oromia North Shoa
54 Shewa Robit Amhara North Shoa
East Addis Ababa Region
S. No Name of Branches S/City/Region Remark
1 Airport Bole
2 Bole Michael Bole
3 Gerji Bole
4 Gerji Giorgis Bole
5 22 Mazoria Bole
6 Koria Hospital Bole
7 Shala Akababi Bole
8 Wuha limat Bole
9 Bole Medihanialem Bole
10 Gurd Shola Jacros Bole
11 Bole Bole
12 CMC Bole
13 Ediget Bole
14 Bole 22 Bole
15 Bole 24 Bole
16 Jacros Bole
17 Milinium Bole
18 Moenco Bole
19 Bole 17 Bole
20 Yerer Bole
21 Kokeb Bole
22 Hayat Adebabay Bole
23 22 wuha Limat Bole
24 Megenagna 22 Bole
25 Beshale Figa Bole
26 Bole Bulbula Bole
27 Wollo Sefer Bole
28 Imperial Akababai Bole
29 Summit Bole
30 Rwanda Embassy Akababi Bole
31 Hayat Arabsa Bole
32 Harbu Gudo Bole
33 Hayat Tafo Bole
34 Goro Beshale Bole
35 Bole Michael Adebabay Bole
36 Summit 72 Bole
37 Cameroon Avenue Bole
38 Hayat 49 Bole
39 Akaki Akaki Kality
40 Kaliti Gumruk Akaki Kality
41 Salo Gora Akaki Kality
42 Kaliti Gebiriel Akaki Kality
43 Adey Abeba Akaki Kality
44 Akaki Gelan Akaki Kality
45 Akaki kality Akaki Kality
46 Worku Sefer Akaki Kality
47 Melka Sheno (Tulu Dimtu Akaki Kality
48 Akaki Gebeya Akaki Kality
49 Kilinto Akaki Kality
50 Tulu Dimtu Akaki Kality
51 Dukem Oromia Oromia Special Zone
52 Gelan Oromia
West Addis Ababa Region
S.N Name of Branches S/city/Region Remark
1 Asco Kolfe
2 Yeshi Debele Kolfe
3 Jemo Kolfe
4 Kolfe Kolfe
5 18 Mazoria Kolfe
6 Alem Bank Kolfe
7 Betel Kolfe
8 Kara Kore Kolfe
9 Mikyliland Kolfe
10 Zenebework Kolfe
11 Ketena Hulet Kolfe
12 Sansusi Kolfe
13 Mekanisa Kore Kolfe
14 Asco Addis Sefer Kolfe
15 Kolfe Atana Tera Kolfe
16 Kolfe Lukwanda Kolfe
17 Ayer Tena Kolfe
18 Anfo Kolfe
19 Muamlat (IFB) Kolfe
20 Addis Ketema Addis Ketema
21 Gulele Addis Ketema
22 Qwas Meda Addis Ketema
23 Mehal Gebeya Addis Ketema
24 Merkato Addis Ketema
25 Sebategna Akababi Addis Ketema
26 Sidamo Tera Addis Ketema
27 T/Haimanot Addis Ketema
28 Mesalemia Addis Ketema
29 Dubai Tera Addis Ketema
30 Amanuel total Addis Ketema
31 Merab Merkato Addis Ketema
32 Autobis Tera Addis Ketema
33 Merkato Kagnew Shaleka Addis Ketema
34 Gesho Tera Addis Ketema
35 Gojam Berenda Addis Ketema
36 Merkato Tana Addis Ketema
37 Shera Tera Addis Ketema
38 Gullele Paulos Addis Ketema
39 Lideta Lideta
40 Geja Sefer Lideta
41 Torhayloch Lideta
42 Sengatera Lideta
43 D’afirique Lideta
44 Dejazmach Balcha Safo Lideta
45 Gola Michael Lideta
46 Burayou Keta Oromia Oromia Special Zone
47 Burayou Mariam Oromia Oromia Special Zone
48 Gefersa Nono Oromia Oromia Special Zone
49 Gefersa Guje Oromia Oromia Special Zone
50 Melka Gefersa Oromia Oromia Special Zone
51 Holeta Oromia Oromia Special Zone
52 Ambo Oromia West Shoa
53 Odda Liban (Ambo 2nd) Oromia West Shoa
54 Guder Oromia West Shoa
55 Ginchi Oromia
56 Jeldu Oromia West Shoa
57 Kachisi Oromia West Shoa
58 Muger Oromia West Shoa
South Addis Ababa Region
S. No Name of Branches S/City/Region Remark
1 Africa Andinet Kirkos
2 Africa Avenue Kirkos
3 Bulgaria Mazoria Kirkos
4 Finfinne Kirkos
5 Fit Ber Kirkos
6 Genet Hotel Kirkos
7 Gotera Kirkos
8 Kazanchis Kirkos
9 Kirkos Kirkos
10 Legehar Kirkos
11 Meskel Flower Kirkos
12 Stadium Kirkos
13 Temenja Yaj Kirkos
14 Urael Kirkos
15 Mexico Kirkos
16 Beklo Bet Kirkos
17 World Bank Kirkos
18 Olompia Kirkos
19 Enderase Kirkos
20 Bambis Kirkos
21 Urael Nigist Sefer Kirkos
22 Stadium Zuriz Kirkos
23 Kirkos 45 Kirkos
24 Global Akababi Kirkos
25 ECA Akababi Kirkos
26 Saris Addisu Sefer Nifas Silk
27 Dil Gebeya Nifas Silk
28 Gofa Gebreal Nifas Silk
29 Gofa Sefer Nifas Silk
30 Lebu Nifas Silk
31 Lafto Nifas Silk
32 Mehal Gofa Nifas Silk
33 Nifas Silk Nifas Silk
34 Saris Nifas Silk
35 Mekanisa Abo Nifas Silk
36 Sar Bet Nifas Silk
37 Gofa Mebrat Haile Nifas Silk
38 Mekenisa Nifas Silk
39 Yoseph Nifas Silk
40 Ertu Lebu Nifas Silk
41 Harbu Nifas Silk
42 Hana Mariam Nifas Silk
43 Burka Wayu (Haile Garment Nifas Silk
44 Tulu Ejersa Nifas Silk
45 Jemmo Michael Nifas Silk
46 Karl Adebabay Nifas Silk
47 Alemgena Oromia Oromia Special Zone
48 Furi Oromia Oromia Special Zone
49 Sebeta Oromia Oromia Special Zone
50 Weliso Oromia S. West Shoa Zone
51 Wechecha Oromia Oromia Special Zone
52 Wolkite SNNP Gurage Zone
53 Butajira SNNP Gurage Zone
54 Wolete Oromia Oromia Special Zone
55 Tulu Bolo Oromia Oromia Special Zone
56 Lemen Oromia
Adama Region – Adama
S. N Branch Region Located
1 Adama Oromia
2 Dembela Oromia
3 Kechema Oromia
4 Boset Oromia
5 Berecha Oromia
6 Sar Tera Oromia
7 Ganda Gara Oromia
8 Adama Ras Oromia
9 Derartu Adebabay Oromia
10 Boku Shanan Oromia
11 Siltana Oromia
12 Asela Oromia
13 Chilalo Oromia
14 Batu Oromia
15 Eteya Oromia
16 Meki Oromia
17 Mojo Oromia
18 Dera Oromia
19 Huruta Oromia
20 Sagure Oromia
21 Awash Sebat Kilo Afar
22 Metehara Oromia
23 Bokoji Oromia
24 Bishoftu Oromia
25 Dambi Oromia
26 Ada’a Oromia
27 Olanchiti Oromia
28 Kersa Oromia
29 Arsi Robe Oromia
30 Bote Oromia
31 Koka Oromia
32 Arerti Oromia
33 Gobessa Oromia
34 Chefe Donsa Oromia
South Region – Hawassa
S.N Name of Branch Region Located
1 Asasa Oromia
2 Dodola Oromia
3 Bale Robe Oromia
4 Dolomena Oromia
5 Sofumer Oromia
6 Ginnir Oromia
7 Harufa Oromia
8 Abosto Oromia
9 Arsi Negele Oromia
10 Shashemene Oromia
11 Yabelo Oromia
12 Adola Wayu Oromia
13 Bule Hora Oromia
14 Shakiso Oromia
15 Negele Borena Oromia
16 Kercha Oromia
17 Awasho Oromia
18 Adaba Oromia
19 Goba Oromia
20 Medda Welabu Oromia
21 Kofele Oromia
22 Halaba Kulito SNNPR
23 Arba Minch SNNPR
24 Hosana SNNPR
25 Gonbora (Hossana 2nd) SNNPR
26 Wolaita Sodo SNNPR
27 Tona (Wolaita 2nd) SNNPR
28 Aleta Wondo SNNPR
29 Dilla SNNPR
30 Haro Welabu (Dilla 2nd) SNNPR
31 Hawassa SNNPR
32 Tabor SNNPR
33 Hawassa Areb Sefer SNNPR
34 Shinshicho SNNPR
35 Moyale SNNPR
36 Jinka SNNPR
37 Hawassa Menaharia SNNPR
38 Werabe SNNPR
39 Wondo Basha SNNPR
40 Alamura SNNPR
41 Boditi SNNPR
42 Areka SNNPR
43 Bensa Daye SNNPR
44 Filtu SNNPR
45 Durame SNNPR
46 Sawla SNNPR
47 Shone SNNPR
S.N Name of Branch Region Located
1 Jimma Oromia
2 Hirmata Oromia
3 Shenen Gibe Oromia
4 Aba Jifar Oromia
5 Jiren Oromia
6 Agaro Oromia
7 Goma Oromia
8 Bedele Oromia
9 Mettu Oromia
10 Yebu Oromia
11 Yayo Oromia
12 Limu Genet Oromia
13 Chora Oromia
14 Gambela Gambela
15 Gambela New Land Gambela
16 Tepi SNNPRs
17 Mizan Teferi SNNPRs
18 Bonga SNNPRs
19 Masha SNNPRs
S.N Name of Branches Region Located
1 DireDawa Dire Dawa
2 Sabian Dire Dawa
3 Hafetesa Dire Dawa
4 Kezira Dire Dawa
5 Lega Oda Dire Dawa
6 Jijiga Somali
7 Kali Somali
8 Togochale Somali
9 Gode Somali
10 Bedessa Oromia
11 Mechara Oromia
12 Chiro Oromia
13 Aweday Oromia
14 Haromaya Oromia
15 Harer Harari
16 Harar Arategna Sefer Harari
17 Harar Hundene Harari
18 Babile Oromia
19 Hirna Oromia
20 Chelenko Oromia
21 Boke Oromia
22 Deder Oromia
23 Gelemso Oromia
24 Grawa Oromia
West Region – Nekemte
S.N Name of Branch Region Located
1 Angergute Oromia
2 Leka Oromia
3 Nekemte Oromia
4 Fincha Oromia
5 Shambu Oromia
6 Dembidolo Oromia
7 Baco Oromia
8 Ghimbi Oromia
9 Begi Oromia
10 Nejo Oromia
11 Guliso Oromia
12 Oda Oromia
13 Mendi Oromia
14 Guduru Oromia
15 Asossa B/Shangul Gumuz
16 Bambasi Benishangul
17 Gidami Oromia
18 Haro Sabu Oromia
19 Mugi Oromia
20 Ejaji Oromia
21 Gedo Oromia
22 Nole Kaba Oromia
23 Jimma Arjo Oromia
24 Gudatu Arjo Oromia
25 Ayira Oromia
26 Jardaga Jarte Oromia
27 Gida Ayana Oromia
28 Oda Buluk Oromia
29 Aba Sena Oromia
30 Sibu Sire Oromia
31 Burka Jato Oromia
32 Mambuk Oromia
North Region – Mekele
S.N Name of Branch Region Located
1 Mekele Tigray
2 Godana Selam Tigray
3 Jibruk Tigray
4 Hidaga Mekele Tigray
5 Meda Agame Tigray
6 Elala Tigray
7 Hedaga Hamus Tigray
8 Alamata Tigray
9 Shire Endesilase Tigray
10 Adigrat Tigray
11 Humera Tigray
12 Wukro Tigray
13 Axum Tigray
14 Adihaki Tigray
15 Logia Afar
16 Woldia Amhara
17 Dessie Amhara
18 Mugad Amhara
19 Kombolcha Amhara
20 Kemise Amhara
21 Kobo Amhara Semen Wollo
22 Lalibela Amhara
23 Buanbua Wuha Amhara South Wollow
24 Tossa Amhara South Wollow
25 Sekota Amhara Wag Hemra
26 Semera Afar
27 Mersa Amhara South Wollow
28 Bati Amhara
29 Mekane-Selam Amhara
North West Region – Bahir Dar
S.N Name of Branch Region Located
1 Bahir Dar Amhara
2 Abay Mado Amhara
3 Bahir Dar Ghion Amhara
4 Gishabay Amhara
5 Zenbaba Amhara
6 Bure Damot Amhara
7 Chagni Amhara
8 Debremarkos Amhara
9 Debre Tabor Amhara
10 Gonder Amhara
11 Maraki Amhara
12 Azezo Amhara
13 Fasiledes Amhara
14 Kidame Gebeya Amhara
15 Injibara Amhara
16 Finoteselam Amhara
17 Dangela Amhara
18 Metema Yohannes Amhara
19 Jawi Amhara
20 Motta Amhara
21 Bichena Amhara
22 Woreta Amhara
23 Merawi Amhara
24 Este Amhara