SALALE UNIVERSITY

COLLAGE OF AGRICULTURE AND NATURAL RESOURCE

DEPARTMENT OF AGRICULTURAL ECONOMICS

PRACTICAL ATTACHMENT REPORT ON COMMERCIAL BANK OF

ETHIOPIA AT LIBEN BRANCH

PARTIAL FULFILLMENT OF THE REQUIREMENT FOR BSc. DEGREE

IN AGRICULTURAL ECONOMICS

BY: H/MARIAM BIRHANU

ID NO: RU 0783/13

SUPPERVISER HABITAMU GETACHEW (MSc)

OCTOBER, 2023

FICHE, ETHIOPIA

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 SALALE UNIVERSITY

COLLAGE OF AGRICULTURE AND NATURAL RESOURCE

DEPARTMENT OF AGRICULTURAL ECONOMICS

PRACTICAL ATTACHMENT REPORT ON COMMERCIAL BANK OF

ETHIOPIA AT LIBEN BRANCH

PARTIAL FULFILLMENT OF THE REQUIREMENT FOR BSc. DEGREE

IN AGRICULTURAL ECONOMICS

BY: H/MARIAM BIRHANU

ID NO: RU0783/13

OCTOBER, 2023

FICHE, ETHIOPIA

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 ACKNOWLEDGEMENTS
First, of all I would like to thanks give glory and praise the almighty God for let us to stay in this
life to this day and helps us in our academic education and practical attachment.

Next, I would like to thanks Salale University College of Agriculture and Natural Resource
Department of Agricultural Economics to give me this golden opportunity and also I would like
to give respectful thank for our advisor Mr. Habitamu Getachew for his helpful effort during
practical attachment. I would thank for the tellers to work in Commercial bank of Ethiopia in
Liben branch devoted part of their precious time and effort to fill the required information that
has been very vital to this practical attachment.

Finally, I would thank all individuals who put his contribution in our practical attachment.

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 ABBREVATIONS AND ACRONYMS
ATM Automated Teller Machine

CB Central Bank

CBE Commercial Bank of Ethiopia

CSO Customer Service Officer

FT Fund Transfer

HRM Human Resource Management

NB National bank

TIN Taxpayer Identification Number

UTI Urinary Tract Infection

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 TABLE OF CONTENTS
ACKNOWLEDGEMENTS...........................................................................................................iii

ABBREVATIONS AND ACRONYMS........................................................................................iv

TABLE OF CONTENTS................................................................................................................v

LIST OF FIGURES......................................................................................................................viii

EXECUTIVE SUMMARY............................................................................................................ix

INTRODUCTION......................................................................................................................- 1 -

1.1. Background of the Host Organization..............................................................................- 1 -

1.2. Structure of CBE in Liben Branch...................................................................................- 2 -

1.3. Mission, Vision, Core Value and Objectives of CBE in Liben Branch...........................- 3 -

1.3.1. Vision.........................................................................................................................- 3 -

1.3.2. Mission......................................................................................................................- 3 -

1.3.3. Core Values of Commercial Bank of Ethiopia in Liben Branch...............................- 3 -

1.3.4. Objectives of CBE.....................................................................................................- 4 -

1.4. Customers (Beneficiaries) of CBE in Liben Branch........................................................- 4 -

1.5. Chart of the Organization (Bank).................................................................................- 4 -

2. MAIN ACTIVITIES CARRIED OUT DURING THE ATTACHMENT.............................- 6 -

2.1. Adaptation of Host Organization (Bank).........................................................................- 6 -

2.2. Main Activities carried out after Adaptation of a Bank...................................................- 6 -

2.2.1. Related to Give Customers Service...........................................................................- 6 -

2.2.2. My Activities with Tellers.........................................................................................- 7 -

2.3. Opening Accounts for Clients..........................................................................................- 7 -

2.3.1, Ordinary Saving Account..........................................................................................- 8 -

2.3.2. Women's Saving Account..........................................................................................- 8 -

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 2.3.3. Youth Saving Account...............................................................................................- 8 -

2.3.4. Teen Youth Saving Account......................................................................................- 9 -

2.4. Checking Accounts Voucher Register.............................................................................- 9 -

2.5. Writing Deposit Books.....................................................................................................- 9 -

2.6. Checking Account Statement.........................................................................................- 10 -

2.7. Main Functions of CBE..................................................................................................- 10 -

3. LESSON, SKILLS AND EXPERIENCE..........................................................................- 13 -

3.1. Lesson.........................................................................................................................- 13 -

3.2. Skill Gained During Attachment................................................................................- 13 -

3.3. My Some Experience during Attachment Period.......................................................- 14 -

3.4. Computer Related Skill and Experience......................................................................- 14 -

4. CHALLENGES ENCOUNTERED AND SOLUTION MADE..........................................- 15 -

4.1. Problem during My Practical Attachment......................................................................- 15 -

4.2. Problems of the Department...........................................................................................- 15 -

4.3. Problems Observed That Affect The Organizational At Current Time And Its Critical
Issues..................................................................................................................................- 15 -

5. CONCLUSION AND RECOMMENDATIONS..................................................................- 17 -

5.2. Recommendation............................................................................................................- 17 -

REFERENCES..........................................................................................................................- 19 -

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 LIST OF TABLE
Table 1: Structure of CBE in Liben Branch.............................................................................................- 2 -

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 LIST OF FIGURES
Figure 1: Organization of the charts...........................................................................................- 5 -

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 EXECUTIVE SUMMARY
In my practical attachment I was learning different activities. Major activities I was learning in
practical attachment is like, support customers to use document that related to transaction
process,

I was learning different transaction process used for to withdrawal of money, deposit of money,
transfer account to account and more other.

I also done different activities related to the course I was learnt in class this including to make
performance evaluation, computer related skills, how to manage activities and employees in the
bank, I gain this like activities. I learn account opening through major transaction processes
and counting money through machines.

In a time of practical attachment different challenges are happened from this; additional
challenges and human relationship among the employees. I recommend a bank to solve problems
related to reward to employees, network, computer shortage, to give free services to students
during attachment, to correct bank rate and in my practical attachment bank shortage of
employees not much with customers.

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 INTRODUCTION
This chapter deals about background host organization, branch of the organization, structure of
the organization, mission, vision and core values of the organization. (THE BANK YOU CAN
ALWAYS RELY ON!)

1.1. Background of the Host Organization

Commercial Bank of Ethiopia (CBE) is one of the oldest public banks established in 1942 as a
state bank. Since then, CBE has gone through different reforms and reputable and biggest
commercial bank in the country. CBE is the largest commercial bank in Ethiopia as of June
2021. It has more than 22 million account holders in its 1500 plus branches stretching thought
out the country. It’s our reach to individual depositors, small and medium scale businesses and
private and public Mega investment projects has made it the largest single bank in the country to
have significant impact on the economy of the country. As of June 2021, it had about 1.1
trillion birr in assets and held approximately 67% of deposits and about 53% of all bank loans in
the country. The bank has around 22,908 employees, who staff its headquarters and its over
1000+ branches positioned in the main cities and regional towns. The latter include 120 branches
in the national capital Addis Ababa. When we came to my practical attachment Commercial
Bank of Ethiopia in Liben branch. This branch is located in Amhara Regional state in West
Gojjam zone in North Achefer woreda in Liben town. This bank was starting in November 13,
2004 E.C. before the starting time they have no other banks established in North Achefer woreda
in Liben town. This bank is located between Kunzila and Durbete towns and 92 Km far from
bahir dar city. Location of the bank is very attractive and suitable weather condition like that of
their district. The bank is started its business by the total asset of 83,491,700.5 birr and five (5)
employees has worked. CBE has played a tremendous role in the development of society and its
service sectorial government organization. From this major product and services:

 Deposit products and services

 Credit products and services
 International trade service
 Money transfer
 Interest free banking

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  Electronic payment service. (www.combanketh.com)

There is no branch in this organization (bank) and itself a branch of Bahir dar district.

1.2. Structure of CBE in Liben Branch

The structure of the bank includes size, turn over, departments and number of employees.

Number Task

Size of a bank Small

Turn over Unknown

Numbers of Employees 19 Front maker (5)

back ward maker (4)

Branch manager (1)

Customer service
manager (1)

Secretary (1)

messenger (1)

Clearer (2)

Guard (4)

Department 2 Front maker

Back ward maker

Table 1: Structure of CBE in Liben Branch

 From the above table the structure of organization is listed. The size organization small
scale in its number employee’s and other criteria. The number of employees that are
worked in the bank is small in number (19) those employees have different role with in
the bank. Such as branch manager, customer service manager, front maker, back ward

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 maker (auditor, accountant, casher and digital channel), Secretary, messenger and clearer.
In commercial bank of Ethiopia in Liben branch employee’s turnover is unknown thought
out the year. Because the employees inter and exit in to a bank depending on the
situation the business environment. The organization have two main departments this are
front maker and back ward maker departments. The front maker department have directly
contact with the customers in order to give services to the customers. This includes
 Withdrawal of Money
 Deposit of money
 Transfer of money
 And register s of VSA, CBE birr, mobile banking, Internet banking etc.

Back ward department that are indirectly contact with customers to give service without cash
money (not related with money. This includes: authorized VSA, account opening, bond service,
cheques service etc.

 Therefore, the structure of a bank in Liben branch is simple and small in size.

1.3. Mission, Vision, Core Value and Objectives of CBE in Liben Branch

1.3.1. Vision
 To became a world class commercial bank by the year 2025.

1.3.2. Mission
 We are committed to realizing the needs of the stake holders through enhanced financial
intermediation globally, and supporting national development priorities by developing
highly motivated, skilled and disciplined employees as strongly believe that winning the
public confidence is the basis of our success.

1.3.3. Core Values of Commercial Bank of Ethiopia in Liben Branch

1) Corporate citizenship: we value the importance of our role in national development
endeavors and step up the commitment. We abide by the welfare of the society and the
environment.
2) Customer satisfaction: we strive to excel in our business and satisfy customer.

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 3) Quality service: we are committed to offering quality service customer and aspire to be
branded as quality service providers in the minds of our customer and the general public.
4) Innovation: we encourage new ideas that can improve customer’s experiences and the
performance of the bank.
5) Team work: we recognize the importance of team work or our success. We respect
diversity of viewpoints.
6) Integrity: we are committed to the highest ideals of honor and integrity.
7) Employees: we recognize our employees as valuable organizational resources.
8) Public confidence: we understand that the sustainability of our business depends on our
ability to maintain and build up public confidence.
 Therefore: The missions, vision, core values of the bank are the same. Because
all values, mission, vision are set by the hand of organization so called
commercial bank of Ethiopia.

1.3.4. Objectives of CBE

 Objectives of commercial banks are discussed below:
 Making Profit: Commercial banks are established with the fundamental objective of
making profit.
 Medium of Exchange: Commercial banks introduce cheque, bills of exchange etc. as
mediums of exchange.
 Formation: Collecting surplus money from the people and formation of capital is one of
the main objectives of commercial banks.
 Welfare of People: Public welfare is an indirect objective of commercial banks.
 Assisting in Regulation of Loans: Participating and assisting the central bank in
formation of loan policy and loan regulation is one of the objectives of commercial
banks.
 Assisting in Planning and Implementation: Another purpose of commercial banks is to
assist the central bank.

1.4. Customers (Beneficiaries) of CBE in Liben Branch

The customers of CBE in Liben branch are listed below. Farmers, Traders, Government and
private employees and students are the main customers of my practical attachment bank.

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1.5. Chart of the Organization (Bank)

Branch Manager

Customer Service Manager

Chief cashier Auditor Accountant Digital channel

Teller 1 Teller 2 Teller 3 Teller 4 Teller 5

Figure 1: Organization of the charts

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 2. MAIN ACTIVITIES CARRIED OUT DURING THE ATTACHMENT

2.1. Adaptation of Host Organization (Bank)

Adaptation is the basic process of communication, relation with work environment and other
senior workers. When I start my practical attachment it is difficult to adapt the work environment
and bank employees. But, through process I communicate with the employees and adapt the
environment. During adaption time I have done different activities within the organization.

Such like:-

 I was written deposit, withdrawal and transfer account to account for customers.
 I support and encourage customers to use VSA, mobile banking for transferring account
to account and use CBE birr.
 I request customers to open CBE account, mobile banking, Internet banking and CBE birr
account.

2.2. Main Activities carried out after Adaptation of a Bank

 After I adapt a bank employees and environment to done different activities related to my
practical attachment. In practical attachment period I was participate in different activities. From
this major activities listed below.

2.2.1. Related to Give Customers Service

 Assisting an illiterate customer in all aspects of bank service problem.
 Switch of the user who is not worked if the system is gets failure.
 Registering the new customer on the customer master maintenance.
 Collecting data from the customer related to using service.
 To be punctual and honesty to the department resources and security of bank.
 Accomplish the given work timely and properly.
 Connecting disconnected computer with network one.
 Formatting personal computer and installing software. e.g. Window 2007up
 Registering all incoming telegraph received from another
 Account opening and tracing account payables.
 Transferring transaction or an outgoing to another branch
 Changing up batteries if they are out dated or updating.

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 2.2.2. My Activities with Tellers
 To give service for bank customers related to teller activities.
 To support teller by counting money during customers are dense.
 To counting money by money counting machine.
 I also coping papers that available for transaction.
 Checking the formats of that customers used for deposit, withdrawal, FT.

2.3. Opening Accounts for Clients

When I was in the account opening section there was a task for me to help the customer to fill up
their accounting opening form to writing the documents of clients. On that time I need to follow
some necessary steps those are. Firstly I used to give the accounting opening form to the clients
and they were asked to provide their required documents, photos. Sometimes I needed to fill up
the form for the customer. The documents they are supposed to provide are;

 TIN no,
 nationality,
 ID card or passports
 photocopy,
 birth registration certificate,
 nominee name,
 Address and proper signature.

Opening a new account an introducer is needed which is important thing. I had to check whether
the introducer is valid or not. I used to provide seal after checking all of this. Customer need to
sign in front of the manager. Form verified by the officer I used to verify it through software.
After all formalities customer need to deposit a minimum amount of opening is 25 birr and
above.
There are many types of account opening to clients such as;-

1) Ordinary saving account

2) women saving account
3) youth saving account
4) teen youth saving account

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 5) Education saving account etc.

2.3.1, Ordinary Saving Account

 It is a type of deposit product that bears interest and can be maintained by physical or
legal persons. Features of the product
 It is interest bearing account which is compounded monthly;
 It can be opened individually, jointly and by corporate entities;
 It can be opened with zero balance given that there is a reasonable source of fund that can
bring the balance to the minimum amount of Birr 25 within a month
 It can be operated by cash withdrawal slip, debit card, mobile and internet banking;
 A minimum amount of Birr 25 has to be maintained to qualify for interest calculation.

2.3.2. Women's Saving Account

 Features:-
 It can be opened individually, jointly and by associations formed by women like Idir or
cooperatives having above 50% women members;
 It can be opened with zero balance given that there is a reasonable source of fund that can
bring the balance to the minimum amount of Birr 25 within a month;
 It provides higher interest rate than ordinary saving account as indicated in the bank’s
term and tariff;
 Account holders enjoy a discount on goods and services from the suppliers who have
agreement with CBE. However, the customer is responsible for selecting the brand,
checking the functioning and genuineness of the goods before receiving them from the
supplier;
 It can be operated by cash withdrawal voucher, mobile banking, internet banking and
debit card designed for holders of Women Saving Account; and
 Cash withdrawal is allowed at any time in any amount of money.

2.3.3. Youth Saving Account

 Features:-
 It is provided only for individuals or group of individuals in the ages of 18-24;
 It can be opened with zero balance given that there is a reasonable source of fund that can
bring the balance to the minimum amount of Birr 25 within a month;

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  It provides higher interest rate than ordinary saving account;
 It shall be converted to normal/ordinary saving account when the account holder reaches
the age of 25 and;
 It can be operated by cash withdrawal slip, debit card, mobile and internet banking.

2.3.4. Teen Youth Saving Account

 Features;-
 It Can Only Be Opened By Individuals In The Ages Of 14-17;
 Self-Employed/Employed Teens Between The Ages Of 14-17 Years Can Open And
Operate This Account By Providing Letter Of Confirmation From The Zonal/Woreda
Administration And School Administration. The Letter Shall At Least State The
Applicant’s Name, Age, Photograph And Source Of Income Whether She/he Generates
Their Own Income;
 The Parent(S) or the Tutor of the Teen Youth Can Open the Account for Unemployed
Teen or Teen Without Own Source of Income. The Account Should Be Opened In The
Name Of The Teen Youth Followed By The Name Of The Signatory/Signatories. The
Relationship To The Youth Specified As Either “Parent(S)” Or “Tutor”; D. It Can Be
Opened With Zero Balance Given That There Is A Reasonable Source Of Fund That Can
Bring The Balance To The Minimum Amount Of Birr 25 Within A Month;
 It Provides Higher Interest Rate Than Ordinary Saving Account; And
 It Shall Be Converted To Normal/Ordinary Saving Account When The Account Holder
Reaches To The Age Of 18 Year.

2.4. Checking Accounts Voucher Register

Every day I needed to check the debit and credit voucher. There were three things; savings, cash
amount and transfer. First I used to collect debit and credit vouchers and organized them by their
serial number. Then I used to check their amount and total numbers of vouchers are available
there or not.

2.5. Writing Deposit Books

I have worked in deposit book section. I helped the new clients to write deposit book. I informed
them where and how to deposit money and also how to withdraw and how to money transfer. For

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customers need I have also stayed with them so that they can easily deposit their money and
withdraw?

2.6. Checking Account Statement

In the bank some clients come and ask for their account statement and I need to give them proper
information by checking their account with the software. For bank account statement bank do not
apply any charge. But I was working to this checking account statement by help of Branch
manager and Brach manager customer service.

2.7. Main Functions of CBE

The main functions of commercial banks are accepting deposits from the public and advancing
them loans. However, besides these functions there are many other functions which these banks
perform. All these functions can be divided under the following heads:

A. Accepting deposits

The most important function of commercial banks is to accept deposits from the public. Various
sections of society, according to their needs and economic condition, deposit their savings with
the banks. For example, fixed and low-income group people deposit their savings in small
amounts from the points of view of security, income and saving promotion. On the other hand,
traders and businessmen deposit their savings in the banks for the convenience of payment.

Therefore, keeping the needs and interests of various sections of society, banks formulate various
deposit schemes. Generally, there are three types of deposits which are as follows:

i. Current Deposits: The depositors of such deposits can withdraw and deposit money
whenever they desire. Since banks have to keep the deposited amount of such accounts in
cash always, they carry either no interest or very low rate of interest. These deposits are
called as Demand Deposits because these can be demanded or withdrawn by the
depositors at any time they want. Such deposit accounts are highly useful for traders and
big business firms because they have to make payments and accept payments many times
in a day.
ii. Fixed Deposits: These are the deposits which are deposited for a definite period of time.
This period is generally not less than one year and, therefore, these are called as long-

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 term deposits. These deposits cannot be withdrawn before the expiry of the stipulated
time and, therefore, these are also called as time deposits. These deposits generally carry
a higher rate of interest because banks can use these deposits for a definite time without
having the fear of being withdrawn.
iii. Saving Deposits: In such deposits, money up to a certain limit can be deposited and
withdrawn once or twice in a week. On such deposits, the rate of interest is very less. As
is evident from the name of such deposits their main objective is to mobilise small
savings in the form of deposits. These deposits are generally done by salaried people and
the people who have fixed and less income.
B. Giving Loans

The second important function of commercial banks is to advance loans to its customers. Banks
charge interest from the borrowers and this is the main source of their income.

Banks advance loans not only on the basis of the deposits of the public rather they also advance
loans on the basis of depositing the money in the accounts of borrowers. In other words, they
create loans out of deposits and deposits out of loans. This is called as credit creation by
commercial banks.

Modern banks give mostly secured loans for productive purposes. In other words, at the time of
advancing loans, they demand proper security or collateral. Generally, the value of security or
collateral is equal to the amount of loan. This is done mainly with a view to recover the loan
money by selling the security in the event of non-refund of the loan.

At limes, banks give loan on the basis of personal security also. Therefore, such loans are called
as unsecured loan. Banks generally give following types of loans and advances:

Cash Credit: In this type of credit scheme, banks advance loans to its customers on the basis of
bonds, inventories and other approved securities. Under this scheme, banks enter into an
agreement with its customers to which money can be withdrawn many times during a year.
Under this set up banks open accounts of their customers and deposit the loan money. With this
type of loan, credit is created.

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Demand loans: These are such loans that can be recalled on demand by the banks. The entire
loan amount is paid in lump sum by crediting it to the loan account of the borrower, and thus
entire loan becomes chargeable to interest with immediate effect.

Short-term loan: These loans may be given as personal loans, loans to finance working capital
or as priority sector advances. These are made against some security and entire loan amount is
transferred to the loan account of the borrower.

C. Investment of Funds

The banks invest their surplus funds in three types of securities—Government securities, other
approved securities and other securities. Government securities include both, central and state
governments, such as treasury bills, national savings certificate etc.

Other securities include securities of state associated bodies like electricity boards, housing
boards, debentures of Land Development Banks units of UTI, shares of Regional Rural banks
etc.

D. Agency Functions

Banks function in the form of agents and representatives of their customers. Customers give their
consent for performing such functions. The important functions of these types are as follows:

 Banks collect cheques, drafts, bills of exchange and dividends of the shares for their
customers.
 Banks make payment for their clients and at times accept the bills of exchange: of their
customers for which payment is made at the fixed time.
 Banks pay insurance premium of their customers. Besides this, they also deposit loan
installments, income-tax, interest etc. as per directions.
 Banks purchase and sell securities, shares and debentures on behalf of their customers.
 Banks arrange to send money from one place to another for the convenience of their
customers.

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 3. LESSON, SKILLS AND EXPERIENCE

3.1. Lesson
When the working environments

When during done of practical attachment adapting to a new team and working environment. I
found that by placing an early emphasis on getting to know my co-workers and understanding
their motivations, I had an easier time identifying the ways I could offer the most support in
achieving the greatest impact. While each team has its own personality, after working with
different teams, I cannot overstate the importance of learning how to work well with everyone.
Figuring out what your team and organization needs and then embodying those skills are keys to
success wherever you go.

Howe to attract the customer:-

During practical attachment you have understand the ability of how accepted the customer
respectable and how to attract the customer to this organization.

3.2. Skill Gained During Attachment

Working in CBE at Liben branch as an intern was the very first opportunity for me to acquire
practical knowledge about banking sector. I worked in the investment under the supervision of
Mr. Habtamu Getachew head of the general banking of Liben branch. I worked in almost every
division by rotation. It was tremendous journey for me to go through the actual experience of
banking sector. Real word is far away different from the theoretical knowledge.

 Some of the skills and experiences I have gained on this practical attachment program include,
learnt how to upgrade different operating system in different machine with the use of accurate
software. I understood the concept of computer restoration and installation of the operating
system and I understood how to boot machine on safe mode in case of any changes to be made
during booting process and developed my practical and communication skills.

I learnt the following skills during attachment;-

 Understood how to show respect to employers and customers.

 I am now able to demonstrate interpersonal skills better after the practical attachment
 Improving problem-solving and critical thinking skills.
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 3.3. My Some Experience during Attachment Period
As an intern of CBE Liben branch I had experienced of so much new things. I come to know
actual works of bankers and observed how the works are being done accordingly to serve to
serve the customer properly. I got chance to work in agricultural economics to a month. Working
in bank was different and spontaneous experience. As follows;

 Account open
 Collecting cheque from the customer
 Writing inward register
 Issuing cheque book.
 Using of ATM

I have mastered how to use ERP software for Accounts operations of maintaining stock cards,
supplier reconciliation among others.

3.4. Computer Related Skill and Experience

 Scanning Document
 This computer application or procedure is useful for opening new account.
 This system is interrelated and interconnected computer application that is captured
image to central system.
 Scanning document is useful for security system of a bank.

The process of scanning document is listed below:-

 Device and printer

 hp Scanjet 8270
 Preview
 Scanning
 Name writing and save either document or images.
 Before this process inter document in to printer. Printer add- use for select images from
scanning document add to new account opening.
 Start - device printer- add printer- add new work warless- next select - test.

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 4. CHALLENGES ENCOUNTERED AND SOLUTION MADE

4.1. Problem during My Practical Attachment

 For the first a few days it is difficult to perform any activities because I was new for the
entire job in the bank.
 It is not easy to communicate with my advisor, teller and over all bank worker because of
each background, life style, age and behavior is different from me.

Suggested solutions:-

 To perform my activities perfectly I need to take instruction

 To familiarize myself with my advisor and all workers in a bank ask anything which is
related to my attachment and also lay participating in each activities as way.

4.2. Problems of the Department

 Lack of information about their department
 Lack of real permanent electricity to perform the operation and transaction.
 The organization is not ready when to buy the necessary material for the marketing
department of district.
 Suggested solutions
 It must be hire additional experts useful for department.
 It must be use generators perform their daily transaction/operations.
 The organization must support or fulfill the marketing department need and wants any
condition.

4.3. Problems Observed That Affect The Organizational At Current Time And Its
Critical Issues.
 System fail or weakness of the system
 Lack of real permanent electrical power of that city
 Lack of ICT professional man power
 The customer are obliged to know the branch his/her customers is delivered money.
 The file is corrupted often the document is already saved.

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  Suggested solutions or measures to be taken to solve or at least minimize the
problem
 Core bank system; core bank system is the system of the bank in which all beneficiaries
are acquire time their interest of money delivered through the bank they get simply nearly
in their performance location. This in turn decreases the time spends to find the branch
where the beneficiaries is lived in the temporary places.
 Installing antivirus.
 The bank gives training opportunity to its employees.
 Taking the generator in order to solve the electricity problems to perform their daily
activities (transactions).
 Therefor a challenge is difficult for me to do transaction in order to move one account to
another account because I am fresh for the job during the practice.
 But, with the help of CBE employees I performed the transaction from one account to the
other account through continues training.

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 5. CONCLUSION AND RECOMMENDATIONS
5.1. Conclusion

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

organization, mission, vision, core values the bank and organization structure, etc. It covers
background of Commercial Bank Ethiopia Liben branch. The office is standing for promoting
employees to work hard in a branch. I 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, how to adapted new organization, how to perform activities that related to class learning,
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 bahir dar district at commercial bank Ethiopia in Liben 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.

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Finally, I would like to suggest to Commercial Bank of Ethiopia in Liben 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.

 Asking concerned body to get enough networks that help to provide proper service for
customer.
 To solve the problems of inefficiency of materials by asking additional budget for the
department and purchasing this materials and make available for the department.
 Some misbehavior that disturbing work condition and improperly, must be punished
according to rules and regulation of the organization.
 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.
 The bank should be considered other similar organization payment rate strategies in order
to satisfy employee’s needs and wants otherwise there is no attract key employees.
 The bank should be provided enough reward system related with employees living
standard unless the employees unable to work in the organization.
 The bank should appreciate their employee for their creativities in order to satisfy their
customer the organization should consider employees creativities unless employees.

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 REFERENCES
 Commercial bank of Ethiopia Annual report in (2012/13)
 Commercial bank of Ethiopia Liben branch manager (July - August 2015)
 Employees that working now Commercial Bank of Ethiopia in Liben branch (July-August 2015).

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