AHADU BANK

Contents

ABSTRACT....

Acknowledgement.

LIST OF ACRONYMS.

CHAPTER ONE....

INTRODUCTION OF THE REPORT..

1.1 Background...

1.2 Purpose..

1.3 Data Collection

1.4 Scope Of The Report.

CHAPTER TWO

OVERVIEW OF THE ORGANIZATIONS

2.1 Background of the organization..

2.1.1 CARDINAL ISSUES (Mission, Values, vision and objective).

2.1.2 Vision of the organization.

2.1.3 Mission of the organization.

2.1.4 Values of the Organization

2.1.5 Objective of the organization...

2.2 Major Activities of Ahadu Bank....

2.3 Services of the Bank..

2.4 Hierarchy and Organogram of Ahadu Bank.

CHAPTER THREE..

WHAT I HAVE LEARNED...

3.1 Duration of Internship and Departments Assigned.

3.1.1 Objectives of the department or division..

3.2 Major activities of me as a member of department..

3.3 Performance Evaluation of my activities.

3.4 Problems encountered on the job and remedial measures.

3.4.1 Remedial solution I have taken

CHAPTER FOUR

ANALYSES

4.1 Strength, weakness, opportunity and threat (SWOT) analysis of the organization....

4.1.1 Strength of the organization.

4.1.2 Weakness of the organization.

4.1.3 opportunity of the organization.

4.1.4 Threat of the organization.

CHAPTER FIVE....

CONCLUSION AND RECOMMENDATION.

5.1 Conclusion..

5.2 Recommendation...

Reference....

Secondly, I would like to give my sincerely thanks to Jigjiga University, especially college of
business and economics giving me a great chance of practical attachment in break and thanks to
the whole staff of the management department

Then I also thanks, to tsehay bank

Bank in Jigjiga city Kulmiye branch. Sincerely manager of Kulmiye Branch Mr. and staff
members to accepting this program and give necessary materials, information and awareness
about the task for doing this program.
I have great thanks for my family they had been assisted my schooling life and to giving advice
how can I go with my planning activity to finish my academic school in this university.

Finally, I would like to acknowledge all individual and institutions that have helped me
materially and morally During the preparation of this paper.

Abstract

Generally, the objective of this practical attachment to assess in Ahadu Bank Jigjiga branch on to
performance measurement.

Acknowledgement
First of all my deepest thanks goes to the Almighty God for his endless help and make me to stay
in life to this day and enables me to complete my internship. I also would like to express my
deepest gratitude to Mr………… (branch manager) our department head and all other Maraki
branch Ahadu Bank employees for their enthusiastic support from the preparation until the final
discussion of this internship with frequent follow up my activities and guide me.

Finally I would like to greatly thanks for my family,relatives and other friends. They had been
assisted my schooling life, to give advice and support me materially and morally during the
preparation of this paper and my academic schooling in our university.
ABSTRACT

Generally, the objective of this practical attachment is to assess the. Ahadu Bank In Central
Gondar Maraki Branch on to performance measurement.

To increase students' knowledge and enable student to compare what have learnt so far in class
and what have experienced in practical. To produce well qualified, self-reliant, active, well
knowledgeable and real problem solver student.

In addition, the other objective is to investigate equal participation of Ahadu Bank in Central
Gondar Maraki Branch with other bank to it realizes to its visions, mission and objective. Not
only limited to this but also emphasis the problems faced by student while performing practical
attachment. Thus, practical attachment suggests solutions and some of policy implication toward
reducing the problems based on finding.

EXCUTIVE SUMMARY

This internship report provides an in-depth analysis of the Ahadu Bank in Central Gondar
Maraki Branch, focusing on its organizational structure, operations, products, services, and
overall performance. The Ahadu Bank Maraki Branch is a prominent financial institution in
Ethiopia, dedicated to providing banking services to individuals, businesses, and communities
across the country.

The report begins with an overview of the Ahadu Bank Maraki Branch, highlighting its mission
to promote financial inclusion, economic development and community empowerment through
innovative banking solutions. The bank's commitment to ethical practices, customer satisfaction,
and social responsibility is emphasized as core values guiding its operations.

The report then delves into a detailed analysis of the Maraki Branch, located in the Central
Gondar town, outlining its organizational structure, key activities, and customer base. The
branch's team composition, including branch manager, relationship managers, tellers, and
customer service representatives, is described to provide insight into its operational framework.

Furthermore, the report explores the range of banking services available at the Maraki Branch,
such as savings accounts, current accounts, loans, remittances, and electronic banking facilities.
The branch's focus on serving both individual customers and businesses, supporting financial
transactions, and promoting digital banking solutions is highlighted as key components of its
service offerings.

Additionally, this report evaluates the branch's performance in terms of key performance
indicators (KPIs) such as deposit mobilization, loan disbursement, customer satisfaction and
profitability. It analyzes the branch's strengths, weaknesses, opportunities, and threats (SWOT
analysis) to identify areas for improvement and strategic growth.
Overall, this internship report aims to provide valuable insights into the operations and
performance of the Ahadu Bank Maraki Branch, offering recommendations for enhancing
customer experience, expanding product offerings, and leveraging technology to drive financial
inclusion and sustainable development in Ethiopia.

LIST OF ACRONYMS
FIM.... Financial Institution and Market

BOD...........board of director

CBE......Commercial Bank of Ethiopia

FP........Financial Performance

HRM......Human Resources Management

ELS......Expected credit losses

EIR ....Effective interest rate

FX..........Foreign exchange.

ATM ..... Automatic Teller Machine

CHAPTER ONE

INTRODUCTION OF THE REPORT

1.1 Background Of the Organization

Customer account and transaction services are essential offerings provided by banks and
financial institutions to meet the needs of their customers. Here is some basic information about
customer account and transaction services.

Customer Accounts: Banks offer various types of accounts to customers, including savings
accounts, current accounts, fixed deposit accounts, and more. Each type of account serves
different purposes and comes with specific features and benefits. Customers can open accounts
by providing necessary identification documents and fulfilling the bank's requirements.

Transaction Services: Transaction services enable customers to carry out financial activities
such as deposits, withdrawals, transfers, and payments. Common transaction services include
online banking, mobile banking, ATM services, and branch transactions. Customers can access
their accounts and conduct transactions conveniently through these services.

Account statements: Customers receive regular statements detailing their account activities and
balances.

Fund transfers: Customers can transfer money between their own accounts or to other accounts
within the same bank or to external accounts.

Bill payments: Customers can pay bills for utilities, credit cards, loans, and other services
through their bank's online or mobile banking platforms.

Debit/ATM cards: Customers can use debit cards linked to their accounts to make purchases,
withdraw cash from ATMs, and perform other transactions.

Security Measures: Banks implement robust security measures to protect customer accounts
and transactions from unauthorized access and fraud. Two-factor authentication, encryption,
biometric authentication, and transaction monitoring are some of the security measures employed
by banks.

Customer Support: Banks provide customer support services to assist customers with any
account-related queries, issues, or transactions. Customer service representatives are available
through various channels such as social media, phone, email, chat, and in-person at branches.

1.2 Purpose
The purpose of this internship is to provide for undergraduate students with the opportunity to
gain practical experience and exposure to a specific field.

Skill Development: Internships offer hands-on experience that allows individuals to develop and
enhance their skills in a real world setting. This practical experience complements academic
learning and helps individuals acquire industry specific skills.

Career Exploration: Internships provide a glimpse into the day-to-day operations of a particular
industry or role, helping individuals explore potential career paths and gain insight into their
professional interests.

Networking: Internships allow individuals to build professional relationships with industry

experts, mentors, and peers. Networking during an internship can open doors to future job
opportunities and provide valuable connections in the professional world.

Resume Building: Internships add value to a resume by showcasing relevant work experience
and skills. Having internship experience can make a candidate more attractive to employers and
demonstrate their commitment to their chosen field,
Personal Growth: Internships offer opportunities for personal growth and development, such as
improving communication skills, building confidence, and adapting to a professional work
environment.

Transition to Employment: For some, internships can serve as a pathway to full-time

employment. Many companies use internships as a way to identify and recruit top talent for
future job openings.

1.3 Data Collection

I am using both primary and secondary data collection methods. The primary methods are
interview with the branch manager employees and my observational understanding. The
secondary methods are the annual report and website of the organization.

1.4 Scope Of The Report

This internship report is focus on customer account and transaction service the organization of
Ahadu bank in Central Gondar Maraki branch.

CHAPTER TWO

ORGANIZATIONAL REPORT

1.1 Historical Background of The Bank

Ahadu Bank is a private commercial bank in Ethiopia that was established in 2014 E.C.Ahadu
Bank is founded by over 10,000 Shareholders and incorporated under the Ethiopian banking
business Proclamation to provide a full-fledged commercial banking services

The bank is headquartered in Addis Ababa and offers a wide range of banking services to
individuals, businesses, and institutions. Ahadu Bank aims to provide innovative and customer-
focused financial solutions to support the growth and development of the Ethiopian economy.
The bank is known for its commitment to financial inclusion and sustainable banking practices.
The bank was founded by group of prominent Ethiopian businesspeople and professionals with
the vision of creating a modern and customer-centric financial institution. Ahadu Bank received
its banking license from the National Bank of Ethiopia and officially began operations in the
same year.
Since its inception, Ahadu Bank has focused on expanding its presence and reach across
Ethiopia. The bank has steadily grown its network of branches and ATMs in major cities and
towns, making its services more accessible to customers throughout the country. Ahadu Bank
has also invested in technology and digital banking solutions to enhance customer experience
and provide convenient banking services.

Over the years, Ahadu Bank has built a strong reputation for its commitment to customer service,
financial innovation, and ethical business practices. The bank has introduced a wide range of
products and services tailored to meet the diverse needs of individuals, businesses, and
organizations in Ethiopia. Ahadu Bank has also actively involved in supporting community
development initiatives and promoting financial inclusion in the country.

As Ahadu Bank continues to grow and evolve, it remains dedicated to its mission of contributing
to the economic development of Ethiopia and empowering customers with reliable and efficient
banking solutions. The bank's journey reflects its determination to become a leading financial
institution in Ethiopia and make a positive impact on the lives of its customers and the broader
community.

1.1 Background of the organization

The service of banking was started many years ago in Ethiopia. It dates back to the establishment
of the bank of Abyssinia in1886.

After the Ethiopia victory over fascist Italy the state bank of Ethiopia established by
proclamation issued in august 1942. Although the intention was to establish issued it as fully
fledged commercial bank, a year later in 1943 it was given additional central banking function
until it was splinted in 1963 commercial bank of Ethiopia and national bank of Ethiopia.

Ahadu Bank is one of the latest private banks to join Ethiopia's banking industry Ahadu Bank
has managed to perform its first formation assembly on January 2, 2021 and has officially started
its work at July 16, 2022 placing its headquarters in Sunshine Building, on Africa Avenue (Bole
Road).

It is one of half a dozen at the cusp of entering the market, meeting the National Bank of
Ethiopia's (NBE) requirement for the minimum capital threshold of half a billion Birr.

Ahadu Bank is founded by over 10,000 Shareholders and incorporated under the Ethiopian
banking business Proclamation to provide full-fledged commercial banking services. The Bank is
domiciled in Ethiopia with its Head Office located on Africa Avenue, Sunshine Building, Addis
Ababa.
Maraki branch is one branch of Ahadu bank. It has been established in 2016. It was located in
Central Gondar town of Maraki kebele around University of Gondar. This branch of Ahadu
bank started working within small number of employees.

In general, by adopting or accepting different modern working technical Ahadu bank in Maraki
branch tries to achieve it is vision, mission, values and to bring desire economic development in
the country of Ethiopia.

1.2 CARDINAL ISSUES (Mission, Values, vision and objective)

1.2.1 Vision of the organization

The vision of Ahadu bank is to take a lead role in the financial sector, in 2025 E.C, in support of
the aspirations of the citizenry and the country.

1.2.2 Mission of the organization

The purpose of Ahadu bank is to pioneer avant-garde financial services for promoting the
economic welfare of Ethiopians.

1.2.3 Values of the Organization

Fear of God

Passion for Serving

Honesty

Organizational Learning

Proactive Accountability.

Humanness

1.2.4 Objective of the organization

Every organization is established for their on objectives. To achieve these objectives, they have
to work hard and follow up effectively.

Ahadu Bank in Maraki branch has the following objectives:

Ahadu Bank aims to drive, Ethiopians financial service to benefit. Ethiopians in all sustainable
and inclusive way. The bank seeks to be different from other banks in Ethiopia by prioritizing
inclusion and making banking services available to citizens with no banking services, including
the pastoralist communities. The bank also aspires to be paperless by carrying out transactions
electronically. The bank aims to become a leader in the financial sector in Ethiopia in 2025 with
the aim of ensuring prosperity for the people and the country.
In addition to thus; the following are some objectives of Ahadu Bank.

To implement management information system

To maximize customer satisfaction

To develop competence with other private banks

To build change for all bank staffs

To establish performance base incentives

To deposit mobilization service

To enhance and facilitate the development of the country

To maximize profit of the bank by creating difference.

1.6 Strength, weakness, opportunity and threat (SWOT) analysis of the organization

Ahadu Bank in Jigjiga branch is non-governmental(private share company) organization has its
strength and weakness side there are also have good opportunities and threats that speed up and
retard the bank over all work process respectively.

Strength of the organization

Strong Local Presence: Ahadu Bank has a strong presence in Ethiopia with a network of
branches and ATMs across the country, making it easily accessible to customers.

Diverse Product Portfolio: The bank offers a wide range of products and services tailored to meet
the financial needs of individuals, businesses, and organizations, providing comprehensive
banking solutions.

Customer Service: Ahadu Bank is known for its customer-centric approach, offering
personalized services and efficient customer support to ensure a positive banking experience.

Technological Advancements: The bank has invested in technology to provide convenient

banking solutions, including mobile banking, internet banking, and card services, enhancing
customer convenience.

Weakness of the organization

Limited Market Share: Ahadu Bank faces competition from established banks in Ethiopia, which
may limit its market share and growth potential.
Regulatory Environment: Like other banks in Ethiopia, Ahadu Bank operates in a challenging
regulatory environment that may impact its operations and profitability.

Brand Awareness: Ahadu Bank may face challenges in building brand awareness and attracting
new customers due to competition and market saturation.

Limited International Presence: The bank's international presence and exposure may be limited
compared to larger banks with global operations, potentially impacting its ability to serve
customers engaged in international transactions.

Opportunity of the organization

Market Expansion: Ahadu Bank could explore opportunities to expand its market

presence by opening new branches or offering innovative financial products and services to
attract more customers.

Technological Advancements: Leveraging technology to enhance digital banking services,

improve operational efficiency, and provide a better customer experience can be a significant
opportunity for Ahadu Bank.

Strategic Partnerships: Collaborating with other financial institutions, fintech companies, or

strategic partners could help Ahadu Bank access new markets, technologies, and customer
segments.

Diversification of Services: Introducing new financial products or services, such as wealth

management, insurance, or investment advisory services, can help Ahadu Bank diversify its
revenue streams and attract a broader customer base.

Threat of the organizations

If the organization follows the current organizational structure for the future may face the
following challenges.

Economic Uncertainty: Changes in economic conditions, such as inflation, interest rates, or

recession, can impact Ahadu Bank's profitability, loan quality, and overall financial performance.

Regulatory Compliance: Strict regulatory requirements and compliance standards in the banking
industry could pose a threat to Ahadu Bank's operations, leading to increased costs or penalties
for non-compliance.
Competition: Intense competition from other banks, fintech startups, or non- bank financial
institutions could erode Ahadu Bank's market share, customer base, and profitability.

Cybersecurity Risks: The increasing frequency and sophistication of cyber threats pose a
significant risk to Ahadu Bank's data security, customer privacy, and reputation.

1.7 Current problems observed that affect Ahadu Bank in Jigjiga

branch.
The primary problem regarding the historical back ground of the organization. This

problems rises due to lack of organized and return document in the organization

Lack of superior service quality

High competition from aggressive expansion of private financial institution

Wastage of resource like use telephone line for personal call repeatedly

Inefficiency of office materials like computers furniture and others when compared to the
number of customers

File management and documentation improperly among some workers.

4.4 Suggested solution(measure)taken to solve or at least minimize

problems
The possible solution I suggested for such problems are the following.

It should full fill all the necessary materials which are technologically improved to facilitate its
service

The organization should have provide a quality service for its customer to being a good
competitor in the market

The organization appraisal system should be based on efficiency and effectiveness that means

Resource consumption way should be wise and manageable.

To solve the problem a lack of data about historical back ground of the organization, I gather
some information from head office and try to document with the help of my supervisor.
1.5 The extent to which the organization is realizing its visions
and missions and performance of the organization in relation to
its objectives.
The tsehay bank in Jigjiga Kulmye branch I was well organized to
realize its cardinal issues. It improves banking service from time to time
and innovate new technology to give satisfaction for customer. Workers
of the organization are accountable to their customer and good
information for every sector tsehay Bank in Jigjiga Kulmy branch its
mission and vision through giving the above service.
2.3 Major duties and responsibilities of the department

1) Account opening: there are many types of accounts those are:-

✓ Saving account is interest bearing deposit opened by legal and
physical persons,
organization and association. Womens saving account -promoting
womens saving habit by adding the interest
rates.
Demand deposit account shall mean an interest bearing account opened
only by customers who are literate.
Special demand account means a non interest bearing account that is
opened to full fill the request of customer who for one not wants interest
for their deposit.
Fixed time deposits a type of account deposit is received at certain
period of time without movement a minimum of three month and attracts
higher interest rate than others
✔ Earmarked account means account opened with other description after
the name of the account holders such as club, business and work shop
account.
2) Duties related to cash
✔Cash withdrawal
✓ Cash deposit
3) Telegram that means send outgoing message and receive incoming
message from other branch.

4) Handling foreign exchange exchange of other currency into birr.

5) checker activities means checking daily tickets which are filled and
written manually, by comparing the information and balance existing in
the computer system.

2.4 The responsibilities and major activities me as a member of

department

As department member I also have the responsibilities of performing the

activities of the department. Based on those general activities, I perform
the following specific activities as an apprentice, when I was
participating at Ahadu Bank in Jigiga branch.
I opened account for more than 30 customers by supporting employees
I check the name, date and signature of the customer to be filled
properly.
I participated in different writing and typing activities that help for
customer service.
I accomplish a given work punctual and honestly by obeying the rules
and regulation of the organization.
Protecting the office resource from damage.
I gave different service for department and customers.
I fill different forms by helping customers.

2.5 Performance Evaluation of my activities

From the first day that I have started practical work on foreign
transaction department;
I have good for knowledge of the work
I could understand the difference between domestic and foreign
transaction
I have good communication with others at work place
✔MeTo ask necessary data I could communicate with my manager from
time to time etc...
I have good for punctuality and attendance
2.6 How to register Amole wallet, and How to deposit or withdrawal
customers cash
2.2 Major Activities of Ahadu Bank
Typical activities of the bank include:

1. Accepting Deposits: Ahadu Bank would typically accept deposits from customers, including
savings accounts, current accounts, fixed deposits, and other types of deposit products.

2. Providing Loans: One of the primary functions of the bank is to provide loans and credit
facilities to individuals, businesses, and other entities. This could include personal loans,
business loans, mortgages, and other types of credit.

3. Facilitating Payments: Ahadu Bank facilitate various payment services, including electronic
fund transfers, check clearing, online banking, and other payment mechanisms to help customers
transfer funds.

4. Investment Services: Ahadu Bank may offer investment products and services to help
customers grow their wealth, including investment advisory services, mutual funds, securities
trading, and other investment options.

5. Foreign Exchange Services: Ahadu Bank often provides foreign exchange services for
customers who need to exchange currencies for travel, trade, or investment purposes.

2.3 Services of the Bank

1. Deposit Accounts: Ahadu Bank could offer various types of deposit accounts, including
savings accounts, current accounts, fixed deposits, and other deposit products with competitive
interest rates and flexible terms.

2. Loans and Credit Facilities: Ahadu Bank could provide a range of loan products, such as
personal loans, business loans, mortgages, car loans, and other credit facilities to help customers
meet their financial needs.

3. Payment Services: Ahadu Bank could offer a range of payment services, including online.
banking, mobile banking, bill payments, fund transfers, and other convenient payment options to
make banking transactions easier for customers.

4. Investment Products: Ahadu Bank could provide investment products and services, such as
mutual funds, securities trading, retirement planning, and other investment options to help
customers grow their wealth and achieve their financial goals.
5. Foreign Exchange Services: Ahadu Bank could offer foreign exchange services for customers
who need to exchange currencies for travel, trade, or investment purposes, with competitive
exchange rates and efficient service.

6. Insurance Products: Ahadu Bank could partner with insurance companies to offer a range of
insurance products, such as life insurance, health insurance, property insurance, and other
insurance solutions to help customers protect their assets and mitigate risks.

Organizational Structure
2.4 Hierarchy and Organogram of Ahadu Bank
1. Board of Directors: The highest level of authority in Ahadu Bank, responsible for setting the
overall strategic direction, approving major decisions, and overseeing the management team.

2. Chief Executive Officer (CEO): The CEO is responsible for the overall management and
operations of Ahadu Bank, implementing the strategic vision set by the Board of Directors, and
ensuring the bank's financial performance and regulatory compliance.

3. Executive Management Team: This team consists of senior executives who oversee different
functions within Ahadu Bank, such as finance, operations, risk management, marketing, human
resources, and technology.

4. Business Units or Departments: Under the executive management team, there are various
business units or departments that handle specific functions within the bank, such as retail
banking, corporate banking, operations, compliance, IT, marketing, and human resources.

5. Branch Managers: At the operational level, branch managers oversee the day-to-day
operations of individual bank branches, including customer service, sales, compliance, and staff
management.

6. Relationship Managers: Relationship managers are responsible for building and maintaining
relationships with individual customers or corporate clients, providing personalized financial
advice and solutions tailored to their needs.

7. Frontline Staff: Frontline staff members include tellers, customer service representatives, loan
officers, and other employees who interact directly with customers to provide banking services
and support.
1.5 Strength, weakness, opportunity and threat (SWOT)
analysis of the organization
The Ahadu Bank of Maraki branch is private organization has its strength and weakness side.
there are also have good opportunities and threats that speed up and retard the bank overall work
process respectively.

1.5.1 Strength of the organization

Good efficiency and ethical conduct of staffs (Mainly in providing service for direct aid
customers) what I am observed is there are so money sefitinet (direct aid) program customers
and the customers have lack of information and the operation system of banking system so that
makes exhausted work but the employees are giant and ethical.

Strong corporation between management and employees.

By innovating new technology increase its profitability from time to time.

The organization makes good relationship with other local banks.

Its give training for its employees to improve their profession.

The bank has qualified and experienced management who done the activity of the bank very
well.

1.5.2 Weakness of the organization

Sometimes there is big connection and electricity problem that makes customer angry. There is
some inefficiency material like printers tables and computers for trailing and customer staffs and
Shortage of employees.

1.5.3 opportunity of the organization

The Ahadu Bank of Kawo Tona branch have medium number of customers and big market
opportunity.

The development of infrastructure and investment in the country play great role.

for the bank.

Steady and fast growth of population is good opportunity for increase bank customer.

Availability of qualified work force in the market

Development of information technology

1.5.4 Threat of the organization

If the organization follows the current organizational structure for the future may face the
following challenges.

Volatility of currency.

✔Competitors share of the market (entrance of new private banks in to the market).

Some new and revised regulation of the National bank of Ethiopia or government, Economic
condition of the country.

CHAPTER THREE

WHAT I HAVE LEARNED

3.1 Duration of Internship and Departments Assigned

The duration of the internship is for 15 days and I assigned in customer account and transaction
service department. Customer account and transaction service department is one of the sectors of
Ahadu Bank in Maraki Branch. It performs its duties and responsibility by setting specific and
feasible goals and objectives which support to speed up customer satisfaction and profit
maximization of the bank.

3.1.1 Objectives of the department or division

To ensure standardization and uniformity in the customer service process.

To smoothly implement integrated banking solutions in retail banking operation of customer

service process.

To have single source of reference to perform

To determine duties and responsibilities that each employee at all level in the customer service
process.

To provide efficient and quality service to its customer.

Board of Duectors

CEO

Excutive Management Team. Busmeas List of Departinenst Branch Manoger. Relationship

Manager. Frontine Staff
3.2 Major activities of me as a member of department
As department member I also have the responsibilities of performing the activities of the
department. Based on those general activities, I perform the following specific activities as an
apprentice, when I was participating at Ahadu Bank.

I opened customer book for 13 customers by supporting employees

I also participate activities of activation customer account on the digital system

I check the name, date and signature of the customer to be filled properly.

I registered some customers on the bank system with the help of employees.

I participated in different writing and typing activities that help for customer service.

I use properly and Protecting the office resource from damage.

I gave different service for this bank and customers.

Generally I accomplish a given work punctual and honestly by obeying the rules and regulation
of the organization.

3.3 Performance Evaluation of my activities

From the first day that I have started practical work on Ahadu Bank Maraki Branch.

- I could understand how transaction is made like deposit and withdrawal.

- I could understand the difference between domestic and foreign transaction.

- I have good communication with others at work place.

3.4 Problems encountered on the job and remedial measures

There are some problems which affect me on my activities of 10 days. Some of these problems
are from the organization and some are from customers. As organization some the problems are
lack of proper ordered seats, lack of user (access) for me and others are the problem of light and
network those hinder my activities to not serve customer properly. From customers some.
customers don't care about criteria's to be fulfilled properly rather than looking only about the
service.

Some of them don't sign on the ticket and some signature on the ticket and on the book are
different.

No correct order of sender name which is difficult to serve customer.

* Some are careless to respect the employees and rule.

3.4.1 Remedial solution I have taken

*1 worked my works more time by catching customer seats for the proper lack of seats.

*I have told to my advisor these problems to be minimized.

* Through customer I have told to them to fill criteria properly.

*I have told to my advisor to find solution how customers fill all criteria.

CHAPTER FOUR ANALYSES

4.Rationales of the practical attachment are the practical reason to decide how to act on the
attachments some of the following listed is reason of practical attachment.

It is for the case that the apprentice to realize the theory in class to real world through practice.

It is for that the apprentice should compare and contrast the economic thought with practical
work

It is that how the problem is identified and the solution is found

It is for that the apprentice to check the relation he/she has with others on work etc.

3.2 Significance of practical attachment

Since the main objective of this practical attachment course is producing qualified, confident and
competent students, it has the following major significances.

Benefiting students, by improving their skill and knowledge, increasing problem solving
capacity, changing attitude and for preparing graduation paper
It will minimize training cost incurred by employers

Benefiting university in such a way that can produce well trend man power, gathering
information for problem solving researches

3.3 Relevance of organization with my study

From starting date of my practical attachment as the general with the branch and particularly
with the department there is good connection with my study in foreign remittance transaction.
Theoretically since I have studied about foreign remittance in class and in my practical study
how to make transaction of that remittance this organization is relevant with my practical study,
In other way as general as organization there is also good connection with my study that for that
foreign transaction is the department of the organization and my study is related with it that has
relation with Economics again the organization and my study has good connection.

3.4 Applicability of the theories and other in class on the real world or practical work
environment

Applicability of theories in practical work environment is very interesting and important.. In

marketing management field there are many theories that applied on real world. Some theories
which are applicable when I conduct this practical attachment are the following..

The theories of microeconomics for showing how to maximize profit and creating customer
satisfaction.

The theories of principle accounting used to prepare workers payroll

The theories of international trade used to show exchange of currency.

From English point of view we can get how to write report correctly and fluently.

How to atract our customers in service marketing

3.5 Major problems that I faced during the attachment

I faced many problems, during I work this practical attachment the major ones are mentioned as
follow as:-.

At the beginning time they didn't give me full freedom to do activities independently.

The transportation system is very crowded, because of this it is difficult to me reach work place
on time.

Shortage of some extra or additional working materials like chair and computers for trainers.

Some employees are not interested for sharing their experience.

3.6 Suggested solution and way forward for attachment

The problem mentioned above are solved by:-

I was try to adapt new environment and working condition gradually by studding behavior of
department member and sharing experience among them.

To solve transportation problem I try to wake up early

The organization should have to buy additional materials like chair and computers that help for
training

The organization should give the opportunity for students to participate in a given activities
freely in order to improve their knowledge and producing self-confident professionals.

3.7 Benefits gain from internship work

I gain some skills from internship skills such as I communication skill, there are various ways to
communicate these days. But potential employees tend to look towards our ability to speak and
write professionally. I make the best of every opportunity to demonstrate your verbal skills and
writing prowess. I engage in well written format and able to supply thoughtful answers to likely
interview questions, and my ability to communicate effectively by conveying information and
translating ideas among coworker's supervisors become essential for development of my
communication skill.
2. Experience work we all need work experience before we can be considered as an employee
able bud do not deceived. Experience work will involve me learn more than you have ever
known about work place politics and office relationship, which bring us to our next skill.

3 Team work skill; internships are professional rules where every team members must work
together to accomplish any tasks, during internship, I had remain focused on the teams goal. 1
also develop a patient, positive and considerate members of your team.

4, critical thinking and problem solving skills; it refers overall problem solving skills and your
ability to evaluate and analyze an issue are a situation and then respond effectively.

In internship practical work I demonstrated to ask questions and examine issues from various
angle, internship roles also help me to think critically to provide creative solutions to work
challenges.

CHAPTER FIVE

CONCLUSION AND RECOMMENDATION

5.1 Conclusion

This practical attachment contains information, include introduction, background of the

organization, cardinal issues, goals of the organization, organization's structure, etc. It covers.
background of Ahadu Bank in Kawo Tona Branch. The office is standing for promoting gender
mainstreaming, women empowerment and respecting women and child right. Working toward
elimination of discrimination and violence against women and child

Generally, 1 gained some experience due to this practical attachment such as how to work in
cooperation with other, etc. The main problem I found, society have low information about
banking system, negative attitude of society toward the term bank and department. Lack of
information and lack of enough time are other problems; however, I tried to do my best in order
to overcome or give related solution to those challenges..

5.2 Recommendation

While doing my practical attachment, I observe some issue in lens of my eyes. Therefore, I
would like to suggest on some issues that I observed during accomplish my practical attachment
in South District at Kawo Tona Branch of Ahadu Bank, I would like to suggest on the effort of
the office toward promote and strengthen this best bank system study area. Banking system is the
process of treating every banking activity and is also way creating relationship with customer. It
is the development issues that recognize the involvement (participation) of both man and women
in development process.

However, the office is lag behind in order to promote growth which is the backbone of
development. This is due to lack of enough information in the organization which play a great
role in order to meet its objective. The organization needs to change this situation by looking for
bank expert which play a great role in order to promote banking system.

Finally, I would like to suggest to Ahadu Bank in Kawo Tona Branch have to work properly to
achieve their goals and also to address other problems by working in cooperation with other
organization, especially non-governmental origination.

Reference

The interview, information from the employers of the organization.

The daily and weekly activities.

The annual report of the company by the June 31 of 2023

The website of the organization; www.ahadubank.com, et.linkedin.com, Ahadu bank Ethiopia

Facebook/ Browser Service

CHAPTER FOUR

CONCLUSION AND RECOMMENDATION

4.1 Conclusion

This practical attachment contains information, include introduction, background of the

organization, cardinal issues, goals of the organization, organization's structure, etc. It covers.
background of Ahadu Bank in Jigjiga branch. The office is standing for promoting gender
mainstreaming, women empowerment and respecting women and child right. Working toward
elimination of discrimination and violence against women and child.1 observed some issues like
the professional status of the staff members, punctuality of the staff members and gender in the
organization.
Generally, I gained some experience due to this practical attachment such as how to work in
cooperation with other, ete. The main problem I found society have low information about
banking system,negative attitude of society toward the term bank and department. Lack of
information and lack of enough time are other problems; however, I tried to do my best in order
to overcome or give related solution to those challenges.

4.2 Recommendation

While doing my practical attachment, I observe some issue in lens of my eyes. Therefore, I
would like to suggest on some issues that I observed during accomplish my practical attachment
in Ahadu Bank in Jigjiga branch Firstly, I would like to suggest on the effort of the office toward
promoting development of bank system study area. Banking system is the process of treating
every banking activity and is also way creating relationship with customer. It is the development
issues that recognize the involvement (participation) of both man and women in development
process.

However, the office is lag behind in order to promote growth which is the backbone of
development. This is due to lack of enough information in the organization which play a great
role in order to meet its objective. The organization needs to change this situation by looking for.
bank expert which play a great role in order to promote banking system.

Finally, I would like to suggest to Ahadu Bank in Jigjiga branch have to work properly to
achieve their goals and also to address other problems by working in cooperation with other
organization, especially non-governmental organization.

Reference

✔The annual report of the company by the march of 2019

✔The interview; information from the employers and employees of the organization.

✔The daily and weekly activities.

✔From some loyal customers of the bank

✔From any written documents about the organization