At Abay, we use SWIFT system that enables its users to exchange automated, standardized �nancial information securely and reliably, thereby lowering costs, reducing operational risk and eliminating operational ine�ciencies. The Bank SWIFT code is ABAYETAA, and money transfer agents are:-

7. Abay Interest Free Banking ServicesAbay Interest Free Banking Service is o�ered on separate windows, and can be used by individuals, government institutions and non-governmental organizations (NGOs). The services are o�ered under the principles of Sheria. IFB Depostit Account Services • Wadiah Current Account, • Wadiah Saving Account, • Mudarabah Term Deposit/ Investment Account (Unrestricted), • Mudarabah Saving Account.IFB Financing Services • Murabaha, • Salam, • Istisna, • Mudarabah, • Musharakah, • Ijarah (Leasing), • Free-Cost Loans/ Qard Al Hasan.Others • Letter of Guaranty Facility/ Kafala, • Hawala, • Foreign Exchange Services.The Unique Features of Abay Bank: • Serving till 9:00 pm Monday to Saturday in all branches, • Providing fast and modern banking services, • Rendering consultancy and �nancial support for entrepreneurs, • Providing professional advice for clients to be successful in their businesses, • Working in partnership with clients on feasibility of projects.

Abay: The Trustworthy Bank!

@

+251 115 54 97 35+251 115 57 10 43

P.o.Box: 5887

info@abaybank.com.et

swift code: ABAYETAA

www.abaybank.com.et

Zequala Complex, Jomo Kenyatta Avenue.

ባንክ አ.ማ

ABAY BANK S.C

ባንክ አ.ማ

ABAY BANK S.C

ዓባይ - ታማኝ አገልጋይ!Abay: The Trustworthy Bank!

ባንክ አ.ማ

ABAY BANK S.C

1. Customer Accounts • Saving Deposit Account • Demand/ Current Account • Fixed - Time Deposit Account • Special Saving Account (SSA) or Negotiable Order of Withdrawal (NOW) Account • Provident Fund Account • Zero Balance Account • Foreign - Currency Accounts Special Saving Account Services • Abay Children’s Special Saving Account • Abay Youths’ Special Saving Account • Abay Women’s Special Saving Account

2. E-Banking Services Abay E-Banking Services: Abay bank focuses on the needs and demand of customers to give comfortable and convenient banking. The Bank is committed for providing multi-channel/E-Banking services to customers that are easy to use - anytime, anywhere.• Abay Card Banking Services Get access to your cash and to banking transactions anytime through Abay ATMs. • Abay Online Banking Abay e - banking puts you in control of your money. You can now access your Abay Bank account online, and do your banking wherever you are, whenever you want. • Abay Mobile Banking Abay mobile banking service allows you to have access to bank services using mobile phone so that you can do your banking transactions anytime and anywhere.

Agent Banking Service: Abay BedejeAbay Agent Banking aims to extend its banking services to unbanked customers. Abay Agent banking is branded as "Abay Bedeje" which implies that the banking service has come closer to home/ premises.

4. Loan Account Abay Bank provides a range of credit services that are supposed to �t the existing and future demands of the customers. The Bank loan services include:-

5. International Banking Services The bank provides various kinds of international banking services. Major types of international banking services are:-

6. Local and International Money Transfer Services Both incoming and outgoing money transfer services are rendered anywhere around the world. We also facilitate foreign cheques, drafts and other monetary instruments for clearance worldwide.

Correspondent Bank Abay Bank has established a relationship with many international renowned correspondent banks.

Foreign Exchange Services Abay Bank handles buying and selling various kinds of Foreign Currencies.

3. Diaspora Banking In line with our objective of “Banking for All,” we have extended our service to Ethiopian Diaspora that suits their banking needs while they are living and working abroad. This service is unique its kind in the sector in which the bank plays as facilitator and arranging the mortgage loan scheme to Diaspora customers to own their dream house by saving any 40% of the cost in foreign currency.

Services

We are committed to satisfy the expectation of stakeholders by providing full-fledged banking services through deploying the state-of-the-art technology and competent human resources.

MISSION

Abay: The Trustworthy Bank!

MOTTO

• Customer satisfaction,• Integrity,• Teamwork,• Innovation and scaling up,• Employee satisfaction,• Social responsibility.

VALUES

Export • Export under Letter of Credit, • Export under Documentary Collections, • Export under Advance Payment, • Exports on Consignment Basis,

Foreign Bank Guarantee • Bid Bond, • Performance Bond, • Advance Payment,

Import • Documentary Credit (Import L/C), • Documentary Collection (Import CAD), • Imports on Advance Payment (TT),

• Transport service, • Agricultural, • Motor vehicle loan, • Building and construction, • Manufacturing/ Industry, • Import, • Export,

• Hotel and Tourism, • Health, education, �nancial (micro-�nance institution etc.), • Mining and quarry, • etc

Ethiopia’s mighty river, the Great Abay, is a dramatic spectacle and a

symbol of natural strength and grandeur. It is not only a magnificent

sight to visit, but also a river with immense potential for our country’s

development.

This tremendous natural strength similarly explains why we are

named Abay. We are here to foster growth and development by

promoting and financing different sectors, thereby generating

employment opportunities and accelerating capital formation, by

ensuring a safe, stable and sound financial system.

Abay Bank has fulfilled all the necessary requirements of the

National Bank of Ethiopia to set up a bank, and officially established

on July 14th 2010 and started full-fledged banking operation on

November 3, 2010. Currently, the paid up-capital of the bank is Birr

1,000,000,000/ One Billion Birr as of June 30, 2017 and the number

of shareholders is nearly 4,000/ Four Thousand/.

Since its establishment, the Bank has achieved encouraging

achievements by all standards. Its sphere of operation has expanded

all over the country and the total number of branches has reached

145 just within 7/ seven years of operation and it has more than

340,000/ Three Hundred Forty Thousand account holders.

To become a premium bank.

VISION

Abay: The Trustworthy Bank!Abay: The Trustworthy Bank!