Enat Bank

Enat Bank is a private commercial bank in Ethiopia founded by a group of Ethiopian women entrepreneurs, with operations beginning in 2013 and a stated mission of inclusive banking with a special focus on women; women hold roughly 64% of its shares.

Key services and digital capabilities include:

• Accounts and deposits: savings, current, Professional Salary, Diaspora, and Fixed Deposit accounts
• Loans and financing: personal and business loans, dedicated Women's Loans, Murabaha financing (investment and working capital) under Sharia principles, and MALFIYA digital lending
• Digital and payment channels: mobile and internet banking, USSD banking via *845#, the Unite.et digital payment platform, and merchant/school-payment integrations such as Arifpay
• International and trade services: diaspora accounts, remittance reception through 13+ partner agents (including Western Union, MoneyGram, Ria, and Dahabshil), forex, and letters of credit

Available on Web, Android, and iOS (apps), plus USSD.

Target users include retail banking customers in Ethiopia, women entrepreneurs and women-led households, Ethiopian diaspora customers, and business clients needing loans, cards, and trade finance support; the bank also runs financial literacy and capacity-building programs for women.

Notable for its founding story and financial growth: Enat reported a pre-tax profit of 834 million birr for the 2024/25 fiscal year, up 17% from 714 million birr the year before, alongside rising assets and deposits. Women occupy major leadership and board roles alongside this shareholding structure.