MATTUUNI

VERSI
TY

COLLEGEOFBUSI
NESSANDECONOMI
CS

DEPARTMENTOFACCOUNTI
NGANDFI
NANCE

I
NTERNSHI
PREPORTONCUSTOMERSSERVI
CEDEPARTMENTATWEGAGENBANK
MATTUBRANCH

I
NTERNSHI
PPERI JUNE08-
OD: _20/
2024
NAMEOFORGANI
ZATI WEGAGEN BANK MATTUBRANCH
ON:
REPORTSUBMI
SSI JUNE28,
ON: 2024
SUBMI DEPARTMENTOFACCOUNTI
TTEDTO: NGANDFI
NANCE

PREPAREDBY

1.Bet
hel
i
em Bogal
e EV0033/13
2.FanoseGezehagn EV0274/13
3.Sheref
edinEli
as EV0064/13
4.Kebene EV0015/13
5.NefisaTasfaye EV0085/13
6.SamiraJemal EV0135/ 13

ADVI
SOR:Mr
.AKALUDUGUMA(
MA)

JUNE,
2024
MATTU,
ETHI
OPI
A
ACKNOWLEDGEMENT

Fi
rstandf
oremost
,wewantt
oexpr
essoursi
ncer
egr
ati
tudet
oGodt
osuppor
tust
o
f
ini
shouri
nter
nshi
p. Secondl
y,wear
ethankf
ult
oMat
tuUni
ver
sit
yDepar
tmentof
Account
ingandFi
nancef
orpr
ovi
dingt
hisoppor
tuni
tyt
oust
oper
for
m apr
act
ical
wor
k.Weal
so happyt
oexpr
essourhear
tfel
tthankst
oMr
s.Lal
i
seTadel
e t
he
managerofWegagenBankMat
tuBr
anchal
l
owi
ngust
oconductourat
tachmentand
suppor
ti
ngusi
nev
eryaspect
.

I
naddi
ti
ont
othi
s,wear
eal
sov
erygr
atef
ult
oal
lthest
affofWegagenBankatMat
tu
Br
anchf
ort
hei
rki
ndcooper
ati
onandhel
pdur
ingouri
nter
nshi
pper
iod.

Fi
nal
l
y,wewoul
dli
ket
othankal
lpeopl
e,f
ami
l
ymember
s,andcol
l
eaguesf
ort
hei
r
pr
eci
oust
ime,v
aluabl
esuggest
ionandt
hei
rcount
lesshel
pdur
ingouri
nter
nshi
p
per
iod.
Abst
ract

Theobj
ect
iveofi
nter
nshi
ppr
ogr
am undert
heAccount
ingandFi
nancei
stohave
par
ti
cipat
ioni
nther
ealor
gani
zat
ionalset
ti
ngout
sidet
hebooki
shknowl
edgeandal
so
t
o gai
n oppor
tuni
ti
es t
o appl
y manager
ial ski
l
ls,communi
cat
ion ski
l
ls and
i
nter
per
sonalski
l
ls.Hence,t
hemai
nfocusoft
hei
nter
nshi
pist
oanal
yzet
hest
udent
’s
capabi
l
ityt
oadopti
ntot
heact
ualwor
kingenvi
ronment
.Dur
ingt
hei
nter
nshi
pper
iodat
WegagenBankMat
tubr
anch,t
her
eall
i
fej
obexper
iencewasachi
eved.Wespent
mostofourt
imei
ncust
omerser
vicedepar
tment
.

Dur
ingt
hei
nter
nshi
psubst
ant
ialwor
kwasdonewhi
chi
ncl
udedpr
epar
ingaccount
openi
ng,hel
pingcust
omer
,fi
l
li
ngupt
hef
orm et
c.Thi
sisnecessar
yforast
udenti
n
or
dert
olear
nthepr
act
icalper
spect
iveofr
ealj
obt
ocompet
eint
hecompet
it
ive
mar
ket
.Int
ernshi
ppr
ogr
am i
sagat
ewayf
orcar
eerdevel
opment
.Dur
ingt
hei
nter
nshi
p
per
iodt
heor
eti
calknowl
edgewhi
chwasl
ear
nedi
ntheUni
ver
sit
ywasi
mpl
ement
ed
pr
act
ical
l
y.Ther
epor
tal
sohi
ghl
i
ght
sthemaj
orl
essonsl
ear
ntbyt
het
rai
neewhi
l
eon
j
ob,t
heexper
iencesobt
ainedbyt
het
rai
neebyunder
standi
ngspeci
fi
ctasks,andt
he
ski
l
lsgai
nedi
ntheduecour
seofper
for
minghi
sdut
ies.
CHAPTERONE:ORGANI
ZATI
ONALREPORT

1.
1Backgr
oundoft
heor
gani
zat
ion
WegagenBankSCwasest
abl
i
shedont
he11t
hofJune1997EC.I
tcamet
oli
feasa
r
esul
toft
heent
repr
eneur
ialwi
tofsi
xteen(
16)f
oundi
ngmember
swhor
ecogni
zedt
he
cr
it
ical
rol
ethatf
inanci
ali
nst
it
uti
onswoul
dpl
ayt
owar
dcr
eat
ingasust
ainedeconomi
c
dev
elopmentandwer
eabl
etoputi
nani
nit
ialpai
d-i
ncapi
talofBi
rrt
hir
tymi
l
li
on(
Bir
r
30Mi
l
li
on)
.

Est
abl
i
shed under t
he banki
ng pr
ocl
amat
ion of Li
censi
ng and Super
visi
on,
Pr
ocl
amat
ionNo.84/
1994,
theBankwasr
egi
ster
edwi
tht
heNat
ionalBankofEt
hiopi
a
onApr
il30,1997.TheMemor
andum andAr
ti
clesofAssoci
ati
onoft
heBankwer
e
si
gnedonApr
il15t
h,1997andr
egi
ster
edwi
tht
heAddi
sAbabaBur
eauofTr
ade,
I
ndust
ryandTour
ism onApr
il15,
1997,
Regi
str
ati
onNumber1/
34/
4/89.

Si
ncei
tsest
abl
i
shmentWegagendeci
dedt
ojoi
nthecompet
it
ioni
nful
lfor
ce,set
ti
ng
newst
andar
dsf
orser
vicedel
i
ver
yandcust
omerhandl
i
ng.Mosti
mpor
tant
lyWegagen,
howev
ery
oung,t
urnedoutt
obet
hepi
oneeri
nadapt
ati
onofi
nfor
mat
iont
echnol
ogy
.
Wi
thi
tsi
nnov
ati
vebusi
nessst
rat
egi
esandpr
omptr
esponsest
ocust
omerdemand,
Wegagenbecamet
hemoder
nbankat
tract
ingamassi
vebaseofcust
omer
s.I
tal
so
bui
l
tthewi
destnet
wor
kofI
nter
nat
ionalcor
respondentBanksal
lov
ert
hewor
ld
enabl
i
ngouti
nter
nat
ional
tradewi
thsmoot
hert
ransact
ions.

Theref
ore,I
n2012EC,underthebanki ngproclamationofLicensi
ngandSuperv
ision,
Wegagen Bankexpanded it
sbr anch to Oromi aregi
onalstateMat t
utown which
l
ocated600km f
rom capit
alci
ty,Finfi
nne.Att hatt
ime,thebankstart
edit
soperati
on
wit
h9( ni
ne)employees.Now day s,WegagenBankMat t
ubr anchhas5000t otal
cust
omer si
nMattuTownandsur roundingarea.

1.
2.Or
gani
zat
ion’
sMi
ssi
on,
Visi
onandObj
ect
ives
1.
2.1Mi
ssi
on
 "Maxi
mizest
akehol
der
s’v
aluebypr
ovi
dingdi
ver
sif
iedbanki
ngser
vicest
hrough
compet
entandmot
ivat
edempl
oyees,
andup-
to-
dat
etechnol
ogy“
1.
2.2.Vi
sion
 "“
Tobeachampi
onofexcel
l
encei
nbanki
ngbusi
nessi
nEt
hiopi
a”

1.
2.3Obj
ect
ives
 Fi
nanci
alI
ncl
usi
on:To i
ncr
easeaccesst
ofi
nanci
alser
vicesf
orawi
der
segmentoft
hepopul
ati
on,i
ncl
udi
ngt
hosewhoar
ecur
rent
lyunbankedor
under
ser
ved.
 Cust
omer
-Cent
ri
cit
y:Topr
ior
it
izecust
omerneedsandpr
ovi
dehi
gh-
qual
i
ty
f
inanci
alpr
oduct
sandser
vicest
hatmeett
hei
rrequi
rement
s.
 I
nnov
ati
onandTechnol
ogy
:Tol
ever
agemoder
ntechnol
ogyandi
nnov
ati
ve
sol
uti
onst
oenhancet
heef
fi
ciencyandef
fect
ivenessofbanki
ngoper
ati
ons.
 Ri
skManagement
:Tomai
ntai
nar
obustr
iskmanagementf
ramewor
kthat
ensur
est
hesaf
etyandsoundnessoft
hebank'
soper
ati
ons.
 Mar
ketLeader
shi
p:Tost
ri
vef
orl
eader
shi
pint
heEt
hiopi
anbanki
ngsect
orby
of
fer
ingcompet
it
ivepr
oduct
s,ser
vices,
andcust
omerexper
iences.
 Sust
ainabl
e Gr
owt
h:To achi
eve sust
ainabl
e and pr
ofi
tabl
e gr
owt
h whi
l
e
cont
ri
but
ingt
otheeconomi
cdev
elopmentofEt
hiopi
a.
 Compl
i
ance and Gov
ernance: To adher
e t
o al
lregul
ator
y and l
egal
r
equi
rement
s,aswel
lasmai
ntai
nhi
ghst
andar
dsofcor
por
ategov
ernance.
 Cor
por
ateSoci
alResponsi
bil
i
ty(
CSR)
:Toact
ivel
yengagei
nini
ti
ati
vest
hat
benef
itt
hecommuni
tyandpr
omot
esoci
alr
esponsi
bil
i
ty.
 HumanCapi
talDev
elopment
:Toi
nvesti
nthedev
elopmentofempl
oyees,
ensur
ingaski
l
ledandmot
ivat
edwor
kfor
cecapabl
eofdel
i
ver
ingexcept
ional
ser
vice.
 St
akehol
derVal
ueCr
eat
ion:Tocr
eat
eval
uef
oral
lst
akehol
der
s,i
ncl
udi
ng
cust
omer
s,shar
ehol
der
s,empl
oyees,
andt
hecommuni
ty.
1.
3.Cor
eval
uesofWegagenBank
 Team wor
k
  I
ntegri
ty
 I
nnovati
on
 Responsi
veness
1.
4.Busi
nessr
elat
ionshi
pofWegagenBank
 WegagenBankhasst
rongaccountr
elat
ionshi
pwi
th13Cor
respondentBanks

HasSWIFTarrangementwi
th149Banksov
ert
hewor
ld;

Haveposi
ti
vewor
kingr
elat
ionshi
pwi
thl
ocal
Banks;

 Hi
ghl
ycompl
i
antwi
thr
egul
ator
ydi
rect
ives,r
egul
ati
onsandci
rcul
arsandt
hus,
hav
egoodr
elat
ionshi
pwi
thr
egul
ator
ybodi
es.

1.
5.Accessi
bil
it
y
436Branchesthroughoutthecountry(undertendistricts)

356ATMsand427Pos
 4495Agent
s

1.
6.ORGANI
ZATI
ONALSTRUCTUREOFWEGAGGENBANK
1.
7.TheExt
entt
owhi
cht
heOr
gani
zat
ioni
sreal
izi
ngi
tsVi
sionsAnd
Mi
ssi
ons

 WegagenBankatMat
tuBr
anchi
swel
lor
gani
zedt
oreal
i
zei
tscar
dinali
ssues.I
t
i
mpr
ovesbanki
ngser
vicef
rom t
imet
oti
meandi
nnov
atenew t
echnol
ogyand
pr
oduct
stogi
vesat
isf
act
ionf
orcust
omer

1.
8. SWOTAnal
ysi
sofWegagenBank
1.
8.1St
rengt
hs
A.St
rongMar
ketPr
esence:WegagenBankhol
dsasi
gni
fi
cantmar
ketshar
ein
t
hebanki
ngsect
or,
indi
cat
ingasol
i
dpr
esenceandbr
andr
ecogni
ti
on.
B.Di
ver
sePr
oductPor
tfol
i
o:Thebankof
fer
sawi
der
angeoff
inanci
al
pr
oduct
sandser
vices,i
ncl
udi
ngsav
ingsandcur
rentaccount
s,l
oans,
i
nvest
mentopt
ions,
andel
ect
roni
cbanki
ngsol
uti
ons.
C.Technol
ogi
calAdv
ancement
s:WegagenBankhasi
nvest
edi
nmoder
n
t
echnol
ogy
,pr
ovi
dingcust
omer
swi
thconv
eni
entandef
fi
cientbanki
ng
ser
vicest
hroughonl
i
nepl
atf
orms,
mobi
l
ebanki
ng,
andATMs.
D.Thebankdemonst
rat
esast
rongf
ocusonr
iskmanagement
,impl
ement
ing
soundpol
i
ciesandpr
ocedur
est
oensur
ethesecur
it
yandst
abi
l
ityofi
ts
oper
ati
ons.
E.Exper
ienced Wor
kfor
ce:Wegagen Bank boast
sat
eam of exper
ienced
pr
ofessi
onal
swi
thdeepknowl
edgeoft
hef
inanci
ali
ndust
ry,
cont
ri
but
ingt
othe
bank'
soper
ati
onal
eff
ici
encyandcust
omersat
isf
act
ion.
1.
8.2.Weaknesses
A.Li
mit
ed Geogr
aphi
c Pr
esence:The bank'
s br
anch net
wor
k may be
concent
rat
edi
nspeci
fi
cregi
ons,pot
ent
ial
l
yli
mit
ingi
tsaccessi
bil
i
tyf
or
cust
omer
sinot
herar
eas.
B.Cust
omerSer
viceChal
l
enges:Somecust
omer
smayexper
ienceoccasi
onal
ser
vicei
ssuesordel
ays,whi
chcoul
dimpactt
hei
rov
eral
lsat
isf
act
ionand
l
oyal
ty.
C.Li
mit
edI
nnov
ati
oni
nPr
oduct
s:Ther
emi
ghtber
oom f
ori
mpr
ovementi
nter
ms
 ofi
ntr
oduci
ngi
nnov
ati
vef
inanci
alpr
oduct
sorser
vicest
ocat
ert
oev
olv
ing
cust
omerneeds.
D.Compet
it
ivePr
essur
e:Thebanki
ngsect
ori
shi
ghl
ycompet
it
ive,wi
thot
her
i
nst
it
uti
ons of
fer
ing si
mil
ar ser
vices. Wegagen Bank may need t
o
cont
inuousl
yinnov
atet
ost
ayahead.
1.
8.3.Oppor
tuni
ti
es
A.Mar
ketExpansi
on:Ther
ecoul
dbeoppor
tuni
ti
esf
orWegagenBankt
oexpand
i
tsbr
anchnet
wor
kint
onewr
egi
onst
otapi
ntonewcust
omersegment
s.
B.Di
git
alBanki
ng Enhancement
s:Fur
theri
nvest
menti
n di
git
albanki
ng
pl
atf
ormsandt
echnol
ogycani
mpr
ovecust
omerexper
ienceandat
tr
acta
t
ech-
sav
vydemogr
aphi
c.
C.Di
ver
sif
icat
ionofSer
vices:I
ntr
oduci
ngnewandspeci
ali
zedf
inanci
alpr
oduct
s,
suchasweal
thmanagementser
vicesorcust
omi
zedl
endi
ngsol
uti
ons,coul
d
openupnewr
evenuest
reams.
D.Par
tner
shi
ps and Col
l
abor
ati
ons:Col
l
abor
ati
ng wi
thf
int
ech st
art
ups or
ot
herf
inanci
ali
nst
it
uti
onscanl
eadt
oinnov
ati
vesol
uti
onsandpot
ent
ial
l
y
expandt
hebank'
sreach.
1.
8.4.Thr
eat
s
A.Economi
cInst
abi
l
ity
:Fl
uct
uat
ionsi
nthenat
ionalorgl
obaleconomycan
i
mpact t
he bank'
s pr
ofi
tabi
l
ity and t
he f
inanci
alwel
l
-bei
ng of i
ts
cust
omer
s.
B.Regul
ator
y Changes:Ev
olv
ing r
egul
ator
yrequi
rement
s and compl
i
ance
st
andar
dsmayr
equi
resi
gni
fi
cantr
esour
cest
oadapt
,pot
ent
ial
l
yaf
fect
ing
oper
ati
onsandcost
s.
C.Cy
bersecur
it
yRi
sks:Thei
ncr
easi
ngsophi
sti
cat
ionofcy
bert
hreat
sposesa
si
gni
fi
cantr
iskt
othesecur
it
yofcust
omerdat
aandt
hebank'
sreput
ati
on.
D.I
ntenseCompet
it
ion:Thebanki
ngi
ndust
ryi
shi
ghl
ycompet
it
ive,wi
thbot
h
t
radi
ti
onalandnon-
tr
adi
ti
onalpl
ayer
svy
ingf
ormar
ketshar
e.Thi
scanexer
t
pr
essur
eonpr
ici
ngandpr
ofi
tabi
l
ity
.
1.
9. Pr
obl
emsObser
vedt
hataf
fectt
heOr
gani
zat
ionatCur
rentTi
me

 Thebankhasf
acedsomechal
l
engesr
elat
ingwi
th st
andar
dizat
ion,
regul
ator
yand
 l
egali
ssues,i
nfr
astr
uct
ure,heav
yinv
est
mentcost
s,andsoci
o-cul
tur
alchal
l
enges
ar
etheseri
ousones.

 Hi
ghcompet
it
ionf
rom ot
herbanks
 Absenceofbr
anchesi
ntownofwor
edas.
 Thepr
oductandser
vicesoft
hebankhasnotbeenknowni
nthesoci
ety
.
1.
10.Suggest
edSol
uti
onst
obet
akent
oSol
vet
hePr
obl
ems

 Gi
vi
ngdoort
odoorser
vice

 Expandi
tsbr
anches

 Cr
eat
ingawar
enesst
osoci
etybyusi
ngdi
ff
erentpl
atf
orm

CHAPTERTWO:I
NTERNSHI
PACTI
VITI
ESREPORT

2.
1Cust
omerSer
viceDepar
tmentOfWegagenBankS.
C
Asanor
gani
zat
ionhassev
eraldepar
tment
s,wegagenBankhasal
sogotv
ari
ous
depar
tment
swher
eact
ivi
ti
esar
ecar
ri
edoutaccor
dingt
othei
rnat
ureandf
unct
ion.Al
l
depar
tment
sper
for
mthei
rwor
kindependent
lyandal
lthedepar
tment
shav
ingt
heai
m
t
oachi
evesameor
gani
zat
ionalgoal
.Dur
ingt
het
woweeksi
nter
nshi
ppr
ogr
am wegot
anoppor
tuni
tyt
owor
konCust
omerSer
viceDepar
tmentofwegagenBankS.
C
Cust
omerser
vicer
epr
esent
ati
veswhowor
kforbanksanswercust
omerquest
ions
aboutbasi
cbanki
ngser
vices,suchasaccountbal
ancesandi
nter
estr
atesandf
ees.
Theyal
sohel
pcust
omer
spr
otectt
hei
raccount
sbyr
evi
ewi
ngsuspi
ciousact
ivi
ty,
r
ever
singt
ransact
ionsandr
eissui
ngcompr
omi
seddebi
tandcr
edi
tcar
d.

Thej
ob dut
iesofabankcust
omerser
vicer
epr
esent
ati
veatwegagenBankS.
C
i
ncl
udes

 Answerquest
ionsaboutaccountt
ypesandbanki
ngpr
oduct
s,suchasCDs,
l
oansandcr
edi
tcar
ds

 Fi
l
ingandDocument
ati
on

 AccountOpeni
ngandcl
osi
ng

 Assi
stbanki
ngcust
omer
swhoar
evi
cti
msoff
raud,
thef
tori
dent
it
ythef
t

2.
2.Maj
orResponsi
bil
it
yandTasks

Cust
omerser
vicedepar
tmenti
sbasi
cal
l
ythef
rontdeskofbank,ast
hisi
sthe
depar
tmentwher
ecust
omerf
ir
stcont
act
swi
tht
hebank.Ther
eput
ati
onandi
mage
ofbanki
shi
ghl
ydet
ermi
nedbyt
hisdepar
tment
.Thi
sisdepar
tmentwher
ethebank
del
i
ver
sit
spr
oductandser
vicest
othecust
omer
.Thest
affoft
hisdepar
tment
shoul
dhav
efai
rknowl
edgeofal
ldepar
tment
sso,
thatt
heycananswert
hecust
omer
quer
ies.Cust
omerser
vicedepar
tmenti
ntendst
oat
tr
actt
henewpot
ent
ialcust
omer
andr
etai
ningt
heexi
sti
ngones.Al
ltheact
ivi
ti
esoft
hisdepar
tmenti
stosat
isf
ythe
cust
omer
.Cust
omerdepar
tmenti
sal
so concer
nwi
thr
evenuegener
ati
onwhi
ch
meant
oincr
easet
hepr
ofi
t.I
ftheol
dcust
omerar
eunhappywi
tht
hisdepar
tmentor
wi
thbankt
hent
hebankshoul
dbearl
oss.Thebankshoul
dfi
ndnewcust
omerwhi
ch
i
ncur
redexpensef
orbankaswel
last
her
eput
ati
onandi
magewi
l
lbedamageof
bank.Thi
sdepar
tmenti
sal
soknownasbr
idgef
orbankast
hisdepar
tmenti
sli
nk
bet
weencust
omerandot
herdepar
tment
.So,
thi
sdepar
tmenti
scr
uci
alf
orbank.The
i
nter
nser
vecust
omerbypr
ovi
dingpr
oductandser
vicei
nfor
mat
ion.Thei
nter
ns
di
str
ibut
echeque.Iser
vecust
omerbypr
ovi
dingv
ari
ousf
orml
i
kedebi
tcar
d,Account
openi
ngf
orandmanymor
e.Themaj
orf
unct
ionsIper
for
medbyi
nter
ninCSD
depar
tmentar
easf
oll
ows:
2.
2.1.AccountOpeni
ng
Wi
tht
hepr
operv
eri
fi
cat
ionofal
lrequi
reddocument
s,new accounti
sopened.I
tis
v
eryessent
ialt
oknowal
lthedet
ail
sofcust
omer
sbef
oreopeni
ngofanaccount
.To
openanaccounti
nabanki
srel
atedt
oent
eri
ntoacont
ractbet
weenaper
sonoran
i
nst
it
uti
onandabank.AccountOpeni
ngPr
ocedur
e:
 The accountopeni
ng f
rom shoul
d cont
ain accountname,accounthol
der
number
,nomi
neenameandsi
gnat
ure.
 Accountnumberi
s gi
ven as perr
egi
ster
ed sequence f
oll
owi
ng comput
er
sy
stem r
ulet
oopent
heaccounti
ncomput
er.
 ThemanagerorOper
ati
oni
n-char
geappr
ovet
hedocument
 Thent
hecust
omeri
srequest
edt
odeposi
tthemi
nimum r
ebal
ancenextdayas
pr
escr
ibedi
ntheassi
gnedaccountnumber
.
 Thencust
omeri
srequest
edt
ocol
l
ectt
hechequenextdayandcust
omeri
s
r
eleased.Theywi
l
lbei
nfor
medt
hroughaphonecal
laf
tert
hei
rdebi
tcar
dis
r
eady
.
 Then,document
sar
echeckedasperdet
ail
sgi
veni
nAccountOpeni
ngRul
es
accor
dingt
othenat
ureoft
heaccount
.
 Thedocument
sar
eret
urnedt
oCSDaf
tert
heaut
hor
izat
ion.
 Si
gnat
urei
sscannedf
ort
hecomput
eraccess.Al
lot
heri
nfor
mat
ionr
elat
edt
o
t
he
cust
omeri
swr
it
teni
ntheaccountopeni
ngsect
ionf
ort
hef
utur
eref
erence.

2.
2.2.Pr
ocessi
ngDeposi
ts
Peopl
ewi
thbankcust
omerser
vicej
obsacceptcash,
moneyor
der
sandchequest
hat
cust
omer
swantt
odeposi
tint
hei
raccount
sort
heaccount
sofbusi
nesses,f
ami
l
y
member
sandf
ri
ends.Thebankcust
omerser
viceof
fi
cerpr
ocessest
hedeposi
tand
i
ssuesar
ecei
ptandst
atementf
ort
hecust
omer
'sr
ecor
ds.Ther
ecei
ptshowst
he
amountdeposi
ted and t
hedat
eand t
imeoft
het
ransact
ion.Thest
atement
,for
deposi
tsi
nper
sonal
account
s,showshowmucht
hecust
omerhasi
nthei
raccount
.

2.
2.3.Pr
ocessi
ngWi
thdr
awal
s
Si
mil
arl
y,bankcust
omerser
viceof
fi
cer
scanpr
ocesswi
thdr
awal
sforcust
omer
swho
wantt
otakemoneyoutoft
hei
raccount
s.Wegav
ethecust
omert
hei
rrequest
ed
wi
thdr
awal
incash.

2.
3.Educat
ionalVal
ueoft
heI
nter
nshi
p
Wehadwor
kedasanI
nter
neei
nwegagenBankMat
tubr
anchf
ort
woweeksasper
r
equi
redbyUni
ver
sit
y.Dur
ingourI
nter
nshi
p,t
her
ewer
etr
emendousat
mospher
ein
wegagenBank.wel
ear
nedsomanyt
hingsf
rom t
hei
rmanagementl
i
kehowt
owor
k
i
nast
andar
dpl
ace.Theyar
eusi
ngt
hei
rownmadesof
twar
ewhi
chi
susedbyBank
f
oronl
i
net
ransact
ions.
Themosti
mpor
tantbenef
itoft
hisi
nter
nshi
pist
hatwegotpr
act
icalexposur
eof
wor
kpl
ace.
 Wegotpr
act
ical
exper
ienceofwor
kingpr
act
icesr
elat
edwi
thmyf
iel
d.
 Wel
ear
nedt
hathow t
omanaget
hingsandhow t
ocr
eat
ebal
anceamong
wor
kli
feandper
sonal
li
fe.
 Dur
ingmyi
nter
nshi
pweal
sol
ear
nedhowt
otal
kandbehav
ewi
thempl
oyees
andseni
ormanagement
.
 Wehav
eseent
hatnoext
rabur
dengi
vent
oanyempl
oyee.Buti
fther
eisa
needofext
rawor
kthemanageral
way
sdohi
msel
f(oni
mpor
tancebasi
s)and
wentbackt
ohomewhennotasi
ngl
ewor
kremai
ning
 We l
ear
ned t
hatt
he behav
ior
ali
ssues ar
e mosti
mpor
tanti
nsi
de t
he
or
gani
zat
ion.Cust
omer
sfeelsat
isf
iedwhent
heyar
ebehav
edpr
oper
ly.The
mi
sbehav
ior and t
he del
ay i
n pr
ovi
ding ser
vice adv
ersel
y af
fect t
he
or
gani
zat
ional
image
 Last
ly,wel
ear
ntani
deaandi
nsi
ghtknowl
edgeofwor
kenv
ironmentand
or
gani
zat
ioncul
tur
e.Weal
sol
ear
nthowt
heor
iesandconcept
sar
eappl
i
edi
n
pr
act
icei
ntheday
-to-
daybusi
nessoper
ati
onandt
ackl
epr
obl
emsandhandl
e
obj
ect
ioni
nwor
kpl
ace.
2.
4.Per
for
mancesEv
aluat
ionofOurAct
ivi
ti
es
Asadepar
tmentmember
,wear
eal
soaccount
abl
eforcar
ryi
ngoutt
hedepar
tment
's
dut
ies.Whenwewer
einpr
act
iceatt
heWegagenBankMat
tubr
anch,weper
for
med
t
hef
oll
owi
ngspeci
fi
cact
ionsasanappr
ent
icebasedont
hosegener
alact
ivi
ti
es.

 Wesuppor
tedempl
oyeesbyopeni
ngaccount
sformor
ethan50cust
omer
s.
  Wemakesur
ethecust
omer
'sname,
dat
e,andsi
gnat
urear
ecor
rect
lyf
il
ledout
.
 Wepr
ovi
dedsev
eral
ser
vicesf
ort
hedepar
tmentandt
hecl
i
ent
s.
 Wecompl
eteat
askont
imeandhonest
lyaccor
dingt
othegui
del
i
nesandr
ules.
2.
5Pr
obl
emsEncount
eredont
heJobandRemedi
alMeasur
es
 Get
ti
ngconf
usedatv
erybegi
nni
ng,
becausewedi
dn’
tgetenoughgui
del
i
nesor
di
rect
ions.
 Feart
oaskquest
ions

 Wef
elthesi
tanti
nint
err
upt
ingt
hem.

 Thehi
erar
chyi
ntheor
gani
zat
ionwasdi
ff
icul
ttounder
standdur
ingt
hef
ir
st
f
ewday
s.Si
nceweneedt
obecl
earaboutwhom wear
erepor
ti
ngandwhoi
s
r
epor
ti
ngt
owhom.

2.
6.Suggest
edSol
uti
ons
 Thewayt
ocombatt
hoseov
erwhel
mingf
eel
i
ngswast
okeepanopenl
i
neof
communi
cat
ionbet
weenus,
empl
oyer
,andouri
nter
nshi
ppr
ogr
am adv
isor
.
 I
nAddi
ti
ont
othi
s,i
fwear
eunsur
eofhowt
ocompl
eteacer
tai
ntask,
itwon’
thur
t
t
oaskt
heempl
oyeesoracol
l
eaguef
orhel
p.
 Gener
all
y,f
reel
yaskquest
ionswher
ewegetconf
used,t
ryt
obl
endi
nwi
tht
he
of
fi
cepeopl
e,andsoci
ali
zi
ngwi
thcol
l
eagueswi
l
lhel
pust
oadj
ustt
otheof
fi
ce
andt
hewor
ktoo.
CHAPTERTHREE:ATTACHMENTEVALUATI
ON

1Ther
3. ati
onal
e,Obj
ect
ivesandgoal
sofI
nter
nshi
p
Thei
nter
nshi
ppr
ogr
am undert
heAccount
ingandFi
nancei
smai
nlyt
arget
edatgi
vi
ng
t
he pr
act
icalexposur
etot
he st
udent
s who hav
e acqui
red pl
ent
yoft
heor
eti
cal
knowl
edgei
nther
elat
edf
iel
dofst
udy
.Thepr
imar
yobj
ect
iveoft
hisi
nter
nshi
pist
o
gai
nval
uabl
einsi
ght
sint
othebusi
nesssect
orandt
orel
atet
het
heor
eti
calknowl
edge
wi
tht
hepr
act
ical
exper
ienceTheot
herspeci
fi
cobj
ect
ivesoft
hest
udyar
e:

 Gai
near
lyunder
standi
ngandappr
eci
ati
onoft
hepr
act
icall
i
fer
eal
-l
if
esi
tuat
ion
chal
l
engesassoci
atedwi
thappl
i
cat
ionoft
het
heor
eti
cal
knowl
edgeacqui
red.

 Devel
opexpect
edpr
ofessi
onalsel
f-
awar
eness,i
nter
nal
i
zat
ionofcar
eerj
obr
eq
ui
rement
sandexper
ience.

 Devel
opandacqui
recr
it
icalski
l
lsneededt
opr
oact
ivel
yobser
veandanal
yzepr
obl
ems/
chal
l
engesencount
eredwhi
l
eexecut
ingcar
eerdut
iesandr
esponsi
bil
i
ti
esatwor
k.

 St
udentgai
nknowl
edgeaboutpr
act
icalaspect
soff
unct
ioni
ngofanor
gani
zat
i
onont
hedomest
icandf
orei
gnmar
ket
swi
thaspeci
alemphasi
sonf
inance/ac
count
ingmanagementi
npubl
i
cadmi
nist
rat
ion,pr
ivat
esect
or,non-
gov
ernment
al
organi
zat
ions,
sel
f-
empl
oymentandot
her
.

 St
udentknowl
edgeaboutper
for
mingspeci
fi
ctasksanddev
eloppr
obl
em i
dent
i
f
icat
ionandpr
obl
em sol
vi
ngski
l
lsi
nfi
nancemanagement/
account
ing.

 Topreparest
udent
stot
ackl
epr
obl
emsandhandl
eobj
ect
ioni
nwor
kpl
ace.

 Todev
elopappr
opr
iat
emanager
ial
ski
l
lsandat
ti
tudet
otackl
ereal
li
fepr
obl
em
sar
isi
ngi
ntheor
gani
zat
ion.
  Toacqui
ret
heknowl
edgeaboutt
heact
ivi
ti
esper
for
medi
ndi
ff
erentdepar
tme
nt
s.

 Tounderst
anddi
ff
erentbanki
ngpr
ocedur
escar
ri
edouti
nthebr
anch.

 Toi
ncr
easecommuni
cat
ionski
l
landi
nter
per
sonal
ski
l
l.

3.
2.Si
gni
fi
canceofPr
act
icalAt
tachment
Thi
spr
act
icalat
tachmenthasa gr
eatsi
gni
fi
cancef
ort
hest
udent
s
.
someoft
hem ar
edi
scussedbel
ow:
 I
thel
pst
hest
udent
stounder
standhowwor
ksar
eimpl
ement
edpr
act
ical
l
y.
 I
thel
ps t
he st
udent
s how l
ear
ned t
heor
ies ar
e appl
i
ed i
nthe wor
king
env
ironment
 I
tal
sohel
pst
hest
udent
stoappl
ythei
rski
l
l&knowl
edgeont
hej
obwhatt
hey
hav
egai
nedf
rom l
ear
nedt
heor
eti
cal
l
yint
hecl
ass.
 I
naddi
ti
ont
othi
s,i
thel
pst
hest
udent
stohav
eexper
ience&t
oknow wor
k
et
hics.
 I
tHel
psl
ect
urer
stoi
dent
if
ythewor
kingenv
ironment
.

3.
3Rel
evanceoft
heor
gani
zat
ionandmyact
ivi
ti
es
Theor
gani
zat
ionandouract
ivi
ti
eshav
emuchr
elev
ancet
oourst
udy
.Inourst
ayof
Cust
omerSer
vicedepar
tment
,wehav
elear
ntt
hathowonecanhar
moni
ouswor
kwi
th
t
heot
her
.weknowhowt
oappl
ythel
ect
urecl
assi
nreal
wor
ldorapr
act
ical
wor
k.

3.
4.Appl
icabi
li
tyoft
het
heor
iesandot
her
sincl
assonr
ealwor
ldor
pr
act
icalwor
kenv
ironment
.
Or
gani
zat
ioni
nwhi
chwedi
dourpr
act
icalat
tachment
,WegagenBankMat
tubr
anchi
s
r
elev
antf
orourf
iel
dofst
udy
.Becausesomecour
set
hatwel
ear
ned i
nthecl
ass
wer
erel
atedt
owor
kingenv
ironmentasdescr
ibedher
ebel
ow:
-

 Account
ingcour
sehel
pedusmor
einov
eral
lst
epsoft
heat
tachment
.
 Psy
chol
ogy
:-Forsmoot
hrel
ati
onshi
pwi
thbot
hcust
omerandempl
oyeeatwo
r
kpl
ace.
 Ci
vi
csandet
hical
educat
ion:
li
ket
oler
ance,
honest
y,punct
ual
i
tyet
c…
3.
5Maj
orPr
obl
em t
hatwef
aceddur
ingt
heAt
tachment
 Ov
erl
apofcl
assandpr
act
ical
wor
k.
 Get
ti
ngconf
usedbecausewedi
dn’
tgetenoughgui
del
i
nesordi
rect
ionsi
nadv
ance.

3.
6Suggest
edSol
uti
onsdur
ingt
hePr
act
ice
 Tosol
vet
hosepr
obl
emswehav
etr
iedt
ocr
eat
egoodr
elat
ionshi
pwi
thst
affm
ember sthen,theyt
rytogiveust heev eryi
nfor
mat i
onandev ery
thi
ngthatwewa
nt
edandt heysupporttosolvethestat edpr
oblem.
 Generally
,weSuggestorf orwar dthelist
edsolut
ionforsuccessofourpract
ical
attachmentt oachieveit
sobj ecti
ves.Thegeneralori
entati
onshouldbegivent
other egulat
ion.

CHAPTERFOUR:CONCLUSI
ONSANDRECOMMENDATI
ON

4.
1.SUMMARY
Ani
nter
nshi
pisaneducat
ionalpl
ant
hati
ntegr
atescl
assr
oom knowl
edgeandpr
act
icalwor
k
exper
iencei
nindust
ry,busi
ness,orgov
ernmentwor
ksi
tuat
ions.I
tal
l
owsst
udent
stohav
e
oppor
tuni
tyt
oimpl
yacademi
ctheor
iesandpr
inci
plest
oact
ion,t
otestoutcar
eeri
nter
est
s
andt
odev
elopski
l
lsandabi
l
iti
est
hroughcar
eful
l
ypl
annedandsuper
visedpr
ogr
amsr
elat
ed
t
othecar
eeroft
hei
rchoi
ceWi
thi
nshor
tspanoft
ime,t
heIgotacquai
ntedwi
tht
hegener
al
knowl
edgeoft
hebanksact
ivi
ti
es.Wegotoppor
tuni
tyt
oknowaboutt
hebanki
ngenv
ironment
aswel
last
hef
unct
ioni
ngoft
hebank.Cust
omer
sar
ethekeyt
osuccess;
thus,
theyshoul
dbe
pr
oper
lyt
reat
edandent
ert
ained.Empl
oyeesar
edi
rect
lyconnect
edt
othesecust
omer
sso
empl
oyeesmustbehav
einadecentandpeacef
ulway
.Per
sonalr
elat
ioni
smustt
oret
aint
he
cust
omer
s.Cust
omerser
vicei
sa ser
iesofact
ivi
ti
esdesi
gned t
o enhancet
hel
evelof
cust
omersat
isf
act
ion.Cust
omerser
vicedepar
tmentpr
ovi
desv
aluabl
esuppor
tandser
vices
t
o cust
omer
s.Wor
kingont
hecust
omerser
vicedepar
tmenthel
pedmet
olear
nvar
ious
oper
ati
ngact
ivi
tes.Al
i mostal
lthemi
nordet
ailoft
hebankr
elat
edi
ssuecanbehandl
ed
t
hrought
hissect
ion.Thecooper
ati
onf
rom t
hest
affmember
smadeust
het
rai
ning
easyt
olear
nthedi
ff
erentact
ivi
ti
esi
nver
yshor
tdur
ati
onoft
ime.
Act
ual
l
ynowaday
spr
act
icalexper
iencemuchneededt
hant
heor
eti
calbasest
udi
es.
Wespentar
oundt
woweeksatWegagenBankMat
tubr
anchf
orouri
nter
nshi
ptr
aini
ng
andt
het
rai
ninggav
eussuchoppor
tuni
tyt
oenhanceourknowl
edgeandski
l
lswi
th
t
hepr
act
icalbusi
nessenv
ironment
.Thi
str
aini
ngmuchneededf
orev
eryst
udenti
n
t
hei
rli
fe.

Especi
all
ythedepar
tmentandt
hef
acul
tyal
l
owedt
hest
udent
stogett
hei
nter
nshi
p
t
rai
ningast
hei
rwi
shesbutt
hatshoul
dbemetwi
tht
hei
rspeci
ali
zat
ionanddi
sci
pli
ne
oft
hest
udy
.Int
hef
utur
ethef
acul
tyandeachdepar
tmentshoul
dconsi
deri
nter
nshi
p
t
rai
ningwi
thpubl
i
cquot
edcompanyaswel
lasmul
ti
nat
ionalcompanyt
hatwi
l
lhel
p
t
hest
udent
smor
etol
ear
nandenhancet
heski
l
landknowl
edge.Al
sot
heper
iodoft
he
i
nter
nshi
pthef
acul
tysuper
visorshoul
dbev
isi
tedt
othest
udent
’si
nter
nshi
ptr
aini
ng
or
gani
zat
iont
hatwi
l
lencour
aget
hest
udent
sandmoni
tort
hest
udent
sinapr
oper
manner
.Thei
nter
nshi
prai
ningshoul
dbecont
inuedi
nthef
utur
efort
hest
udent
s’
i
mpr
ovementi
nthef
acul
ty

4.
3.RECOMMENDATI
ONS

I
twasani
nter
est
ingexper
iencet
odoi
nter
nshi
patWegagenBank.St
aff
sar
ever
ycooper
ati
ve
andduet
othei
rhel
pint
ernwasabl
etol
ear
naboutmoder
nbanki
ng.Wesuggestt
hatsuchan
i
nter
nshi
ppr
ogr
am hi
ghl
yint
egr
ati
vef
ort
hest
udent
sofaccount
ing sot
hest
udent
sshoul
d
beenqui
redwi
tht
heknowl
edgeofpr
act
icalwor
ld.Ont
hebasi
soft eobs
heabov er
vat
ions,
l
ear
ningandt
asksper
for
med,wewoul
dli
ket
oputsomesuggest
ions,whi
chwi
l
lenabl
e
t
hebankt
ocompet
ewi
thot
herbanksmor
eef
fect
ivel
yandef
fi
cient
ly.

 Nowaday
smanybanksar
eest
abl
i
shi
ngi
nEt
hiopi
a.So,wegagenbankshoul
d
becompet
entenought
ocompet
ewi
tht
hem.

 Todayi
stheageofmoder
ntechnol
ogy
.Soi
tmustbequi
cki
nadopt
ingnew
t
echnol
ogyi
ncompar
isont
oit
sri
val
s.

 Dur
ingt
hei
nter
nper
iod,mostoft
hecust
omer
soft
hebankdi
dnotseem t
o
 know aboutt
hedi
ff
erentpr
oduct
sofwegagenbanksuchasi
nter
netbanki
ng,
SMSbanki
ngandot
herpr
oduct
sthatcoul
dful
fi
llt
hedi
ver
sif
iedneedoft
he
cust
omer
s.So,i
tappear
sthatt
hebankneedst
ofocusonpr
omot
ingt
he
pr
oduct
sandonl
ypr
ovi
dingnewpr
oduct
sisnotenough.

 Dur
ing t
he peak hour
s,i
n wegagen bank,t
he Cust
omerSer
vice Depar
tmentget
s
ov
ercr
owded.Ther
eisal
way
sal
ongqueueofpeopl
eforaccountopeni
ngandcl
osi
ng.
Si hepe
ncemostoft opl
ehav
epr
obl
em whi
l
efi
l
li
ngt
hef
orms,t
her
eshoul
dbea
di
ff
erentsect
ionf
orf
il
li
ngt
hef
ormswi
tht
heassi
stanceofst
affmember
s.

REFERENCES

 Di
recti
nfor
mat
ionf
rom t
heor
gani
zat
ion'
smanager
.

https://www.wegagen.com/
 ht
tps:
//www.
academi
a.edu/
587406/
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