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Zemen Bank is a progressive private bank in Ethiopia, offering innovative financial solutions for individuals and businesses. Zemen Bank is known for its “bank of the future” model, emphasizing high-value corporate banking and digital innovation over a massive physical footprint. It recently reported some of the highest profit growth in the industry following Ethiopia’s macroeconomic reforms.
Prospectus: Download PDF
Bank Overview:
- Founded: 2008
- Total Assets: 106 billion ETB (as of February 2026)
- Branch Network: 100+ branches (Strategically located for high-value clients)
- Revenue Growth: 147.5% increase in total operating income (2024/25)
- Profitability: Record gross profit of 8.2 billion ETB; Net profit margin of 48.35%
Earnings Per Share (EPS):
- 2020: 46.20%
- 2021: 46.90%
- 2022: 45.50%
- 2023: 43%
- 2024: 37.6%
- 2025: 67.8%