WOLAITA SODO

UNIVERSITY
COLLEGE OF BUSSINESS AND ECONOMICS
DEPARTMENT OF MANAGEMENT

INTERNSHIP EXPERIENCE REPORT HOSTING

COMPANY: COMMERCIAL BANK OF ETHIOPIA
(KAWO SANA BRANCH)

NAME ID NO
ADVISOR: -

WOLAITA SODO, ETHIOPIA

1.DECLARATION
I hereby declare that the reporting paper mentioned above has not been submitted to any
other university by reporting nor will it be allowed to any other student in the campus until
the department of management decline to check it. I also declare that the work contained
in this reporting paper is my own contribution except the profile of the bank or company.
this report focusses on the internship period which I have been engaged at image consult
aimed at gaining knowledge and skill practically as well as theoretically to understand the
management

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The internship report includes all requirements of an internship report format. To

accomplish this report I have referred manuals, different related books, many students
report papers and some websites to have a better understand on what I have written on
this intern ship report paper. This internship report is submitted to WOLAITA SODO
UNIVERSITY, department of Management
Name:
ID:

Signature: _______________

CERTIFICATE OF APPROVAL
This is to certify that Student Named has carried out his internship practice on the
topic entitled ‘’internship experience’’ in our organization in giving customer service section.
And this document is original in nature and is suitable for submission.

Supervisor: -_____________

Signature: -____________

Date: -_____________

2.ACKNOWLEDGEMENTS

Foremost I would like to express my deep thankful (appreciation) to CBE for providing the
exciting opportunity to be one of them and giving me the better guidance and opportunity to
move ahead with internship objectives.

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I would like to extend my Thank full to Mr. Assistant Branch Manager, for providing
guidance and motivation to me. I’m also grateful thanks to all staffs Branch manager, for their
valuable co-operation, guidance, direction, and continuous support throughout the internship
period. I would like to thank all workers and the entire kawo Sana Branch members for
supervising me and providing necessary guidelines to complete the report. I would like to
extend my heartfelt thanks to all who assisted with their valuable suggestions and ideas while
preparing the report.

3.EXECUTIVE SUMMERY
Management department is a broad field of study which can be learn while practicing it.
Until this internship program we student learn logistics and supply chain management
theoretically in class through different methods and phases, but actual working
environment is different. The diversified nature of the works I have been assigned to work
on throughout this program has enabled me to become well rounded, responsible man and
taught me lots of skills and knowledge I can apply to many areas of study in the future.

I believe I have developed three areas of expertise 1. professional skills ,2. communications
skills,3. management skills.in general, I observed how each skill are performed in sequential
and procedural manner.

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The report is presented in to four chapter as required I first would state and describe the
organization profile. Next, activity report. The third chapter is my internship
experience and works that I have attained will be presented. Lastly, my conclusion
and recommendation are enumerated briefly as well.

list of acronyms

ATM_ Automated teller machine

CBE_ commercial bank of Ethiopia
Mr._ mister
BBA_ Degree
ESMS_ Environmental and social management system
UN_ United nation
AU_ African union
EU_ Europe nation

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NEPAD_ New partnership for Africans development.

PMS_ Performance management system

Contents
1.DECLARATION.................................................................................................................................................. II
2.ACKNOWLEDGEMENTS................................................................................................................................... III
3.EXECUTIVE SUMMERY.................................................................................................................................... IV
LIST OF ACRONYMS............................................................................................................................................ V
CHAPTER ONE..................................................................................................................................................... 1
BACKGROUND OF THE COMPANY....................................................................................................................... 1
1.1 HISTORY AND DEVELOPMENT OF THE COMPANY........................................................................................... 1
1.2 ORGANIZATION MAIN PRODUCTS AND SERVICES..........................................................................................2
1.5. VALUES....................................................................................................................................................... 7
1.6 THE GOVERNANCE AND ORGANIZATIONAL STRUCTURE OF CBE.....................................................................8

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1.7 ACTION TAKEN BY THE BANK TO REALIZE ITS VISIONS & MISSION AND THE...................................................9
1.8 STRENGTH, WEAKNESS, OPPORTUNITY, AND TREAT (SWOT) ANALYSIS OF THE CBE....................................10
PART TWO: ACTIVITY REPORT........................................................................................................................... 11
2.1 HOW YOU GET INTO THE COMPANY.........................................................................................................................11
2.2 IN WHICH SECTION OF THE COMPANY, YOU HAVE BEEN WORKING IN.............................................................................11
2.3 HOW DOES THE WORKFLOW IN THE SECTION LOOK LIKE?.............................................................................................12
2.3THE RESPONSIBILITY AND MAJOR ACTIVITIES OF ME AS A MEMBER OF DEPARTMENT (HOW THE UNIT CONTRIBUTE TO THE
ORGANIZATION MISSION).............................................................................................................................................12
2.5 WHICH WORK PIECE OR WORK TASKS YOU HAVE BEEN EXECUTING.................................................................................13
2.6 WHAT PROCEDURES YOU HAVE BEEN USING WHILE PERFORMING YOUR...........................................................................13
2.8. WHAT CHALLENGES YOU HAVE BEEN FACING WHILE PERFORMING YOUR WORK TASKS.............................14
2.9 WHAT MEASURES YOU HAVE TAKEN IN ORDER TO OVERCOME THESE CHALLENGES...................................14
3. PART THREE:.............................................................................................................................................. 15
3.1 WHAT YOU GAINED IN TERMS OF IMPROVING YOUR PRACTICAL SKILLS......................................................15
3.2 WHAT YOU GAINED IN TERMS OF UPGRADING YOUR THEORETICAL KNOWLEDGE.......................................16
3.3 WHAT YOU GAINED IN TERMS OF IMPROVING YOUR INTERPERSONAL COMMUNICATION SKILLS................16
3.4 WHAT YOU GAINED IN TERMS OF IMPROVING YOUR TEAM PLAYING SKILLS..............................................16
3.5 WHAT YOU GAINED IN TERMS OF IMPROVING YOUR LEADERSHIP SKILLS....................................................18
3.6 WHAT YOU GAINED IN TERMS OF UNDERSTANDING ABOUT WORK ETHICS RELATED ISSUES........................18
3.7 WHAT YOU GAINED IN TERMS OF ENTREPRENEURSHIP SKILLS.....................................................................19
CHAPTER 4........................................................................................................................................................ 19
CONCLUSION AND RECOMMENDATION........................................................................................................ 19
4.1 CONCLUSION............................................................................................................................................... 19
4.2 RECOMMENDATIONS FOR IMPROVING THE INTERNSHIP PROGRAM............................................................20
5.REFRENCE...................................................................................................................................................... 20

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CHAPTER ONE
BACKGROUND OF THE COMPANY
1.1 History and Development of the company

After the Ethiopian – English victory over fascist Italy, the new government establish the state
bank Ethiopia a proclamation issued in August 1942. State bank of Ethiopia commenced full
operations on 15 April 1943 with two branches and 43 staffs. It served both as the Ethiopian
central bank with the power to issue bank notes and coins as the agent of the ministry of finance,
and as the principal commercial bank in the country. In 1945 the Ethiopian government granted
the bank the sole right of issuing currency. The first governor of the bank was an American,
George Blowers. He introduced the new national currency, which owed its successful
introduction to the United States. The United States provided the silver for 50 cents coins, whose
intrinsic value ensured popular acceptance of the new paper money to a population used to the
circulation of the silver Maria Theresa thaler. In 1958, the state bank of Ethiopia established a
branch in Khartoum, Sudan, that the Sudanese government nationalized in 1970. [1] over the
time grew to number 21 branches. [2] In 1950s, SBE established a branch in Djibouti. [3] In
1920 the bank of Abyssinia opened a transit office in Djibouti. At some point after its creation
the state bank of Ethiopia reopened the transit office, which in time became a branch.

In 1963, the Ethiopian government split the state bank of Ethiopia into two banks, the National
bank of Ethiopia (central bank), and the commercial bank of Ethiopia (CBE). [4] seven years
later, the Sudanese government nationalized the commercial bank of Ethiopia’s branch in
Khartoum. The Ethiopian government merged Addis’s bank into commercial bank of Ethiopia in
1980 to make CBE the sole commercial bank in the country. The government had created Addi’s
bank from merger of the newly nationalized Addis Abeba bank and the Ethiopian operations of
the Banco di Roma and Banco di Napoli, Addis Abeba bank was an affiliate that National bank
had established in 1963 and at which it owned 40%. At the time of nationalization Addis Abeba
bank had 25 branches. The merger of Addis Abeba with CBE made CBE the sole commercial
bank in Ethiopia with 128 branches and 3633 employees. In 1991 when the Eritrea achieved its
independence, CBE lost its branch in Eritrea nationalization. These branches formed the base for
what became in 1994, the commercial bank of Eritrea. Also in 1994, the Ethiopian government
reorganized and re-established CBE.

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In 2004, CBE closed its branch in Djibouti due to problems with loan losses. In January 2009,
CBE received regulatory approval to open a branch in Juba, southern Sudan. CBE expanded its
presence in South Sudan to five branches in Juba and Malakal, but ongoing conflict in the
country has forced CBE to close all but two branches in Juba.

A few years ago, the government restructured CBE and signed a contract with Royal bank of
Scotland for management consultancy services. After the death of its former president Mr.
Gezahegn Yilma, the board of management appointed Mr. Able Sano as a new president of the
bank. Parliament recently increased the bank’s capital to 4 billion Ethiopian Birr.

The Commercial Bank of Ethiopia (CBE) is the largest commercial bank in Ethiopia according
to CBE profile 2014/15, it had about 303.6 billion 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 Abeba. With the opening of
the branch in the Guchi in the Illubabor zone of the Oromia Region, CBE’s banking network has
reached online 783 branches. The has reached 1014 branches as of February 12, 2016. Now a
days the commercial bank of Ethiopia has 1700 branches and 31.4 million customers.

1.2.THE MAIN CUSTUMER OR END USERS OF ITS PRODUCT OR SERVICE

1.2 Organization Main Products and Services

1. Deposit Products and Services
The Bank provides different deposit products and services that enable customers to save money
and store valuable property.

I. Savings Account: - This is an interest-bearing deposit account. CBE offers different

types of Savings Accounts designed to address needs of different sections of the society.
II. Demand Deposit Account: - It is a non-interest-bearing account which is operated by
cheque.
III. Fixed Time Deposit: - This deposit account allows customers to deposit their money for
agreed term without movement and receive a higher interest rate than the prevailing
interest rate for savings. The minimum initial deposit is birr 10,000 or USD 5,000 or its
equivalent in EUR or GBP.

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IV. Foreign Currency Account: - This account is opened in USD, GBP or EUR by
international organizations, foreigners, NGOs, embassies etc whose source of fund is
overseas and in foreign currencies.
V. Diaspora Account: - This account is designed for Ethiopians and foreigners of
Ethiopian origin living abroad and companies owned by them to deposit money in USD,
GBP or EUR. o Safe Deposit Box CBE gives rental service of safe deposit boxes for
customers to store their valuable property.
2. Credit Products and Services
CBE provides credit for working capital and expansion and facilitation of local and international
trading activities. It also provides short-, medium- and long-term loans. The following are the
major loan types provided by CBE.

 Overdraft Credit Facility

 Merchandise Loan Facility
 Warehouse Receipt Financing
 Pre-shipment Export Credit Facility
 Agricultural Output Financing for Cooperatives/Unions Against a Forward Delivery
Contract with World Food Program (WFP)
 Import Letter of Credit Financing
 Back-to-Back Letters of Credit Financing
 Letter of Guarantee Facility
 Term Loans
 These types of loans granted for working capital and/or project finance to be
repaid within a specific period of time.
 The Bank extends Short-Term, Medium-Term and Long-Term loans.
 Short-Term Loan is granted up to a maximum period of three years.
 Medium-Term Loan has a maturity period longer than three years, but not
exceeding a maximum period of seven years.
 Long-Term Loan has a maturity period longer than seven years, but not
exceeding a maximum period of fifteen years.
 Consumer Loans
A consumer loan is given to consumer individuals for personal or household purposes. CBE
offers the following consumer loans.

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 Condominium Loan
 Mortgage Loan for Ethiopian Diaspora
 Consumer Loans for Employees of International Organizations and NGOs
 Personal Loan
 Automobile Loan
 Mortgage Loan
3. International Trade Service
CBE offers different types of trade service products and services that facilitate import and export
activities.

 Documentary Credit
 Documentary Collection
 Advance Payment
 Consignment Basis Payment
 Guarantee
 Bid Bond
 Performance Bond
 Advance Payment Guarantee
 Loan Guarantee
 Retention Guarantee and
 Customs Duty Guarantee
 Franco Valuta Permit
 Small Items Export Permit
4. Money Transfer and Forex Services

 Local Money Transfer

 International Money Transfer
5. Interest Free Banking
Sharia-compliant finance or Interest Free Banking Service is an alternative banking service that
operates based on the principles of Sharia which prohibits at the core the receipt and payment of
interest as well as working in areas forbidden by the religion of Islam. CBE offers the following
Interest Free Banking Services:

 Deposit and Investment

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
Financing

Guarantee

Trade Service

Money Transfer (Hawallah); and

Foreign currency exchange.
6. Electronic Payment Services: - CBE provides different banking services via electronic
channels.

1. CBE Birr:
 Transfer Money
 Cash Out
 Buy Airtime
 Buy Goods
 Pay Bill
 Check Balance
 Others
2. ATM
3. Mobile Banking
4. Internet Banking
5. Point-of-Sale Terminal (POS)

classification of customer
The CBE branches shall provide different products and services through various channel.in order
to deliver tailored product and services in an effective and efficient manner to customer,
currently the bank has classified its customers in to four major categories based on economic
owner ship.
Namely: private, government, public, and association.

1.3.1 Private
The private category shall have the following sub classification:
I. Individuals-include any natural person who approaches the bank to get any products and
services
II. general partnership, joint venture, private limited companies, and other similar activities.
III. Other Entities-other entities shall include

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A. All forms of organization which are not formed in line with the Ethiopian law and
operate under special agreement with the Ethiopian government.
B. The various embassies operating in Ethiopian and international and regional organization
working in Ethiopian like UN, AU, EU, IGAO, NEPAD, etc.

1.3.2 Government: are include federal and regional government entities

1.4.THE OVERALL ORGANIZATION AND WORKFLOW

Vision and objectives of the policy

1.4.1 Vision
To become world class commercial bank with reduced environmental footprint, leading by
example in 2025
1.4.2 Mission
We are committed to best realize stakeholders’ needs without compromising the wellbeing of our
environment and society through Enhanced financial intermediation globally, supporting national
development priorities, deploying highly motivated, skilled, and disciplined employees as well as
state-of-the-art technology. We strongly believe that winning the public confidence and
developing sustainable business model are the basis of our success. Commercial Bank of
Ethiopia Environmental and Social Policy
1.4.3 Objectives

The main objectives of Environmental and Social Policy of Commercial Bank of Ethiopia are the
followings:
(i) Be the avant-garde of Environmental and Social issues among financial institutions
in East African region implementing environmental treaties and conventions and
leading by example.
(ii) Understand its entire carbon footprint and create an internal mechanism and external
auditing system to significantly reduce it.
(iii) Create an environmental department that looks after the bank’s direct and indirect
Environmental and Social management systems.
(iii) Evaluate businesses and projects for their Environmental and Social compliance with
its own internal experts and give equal weight for financial, Environmental and Social
sustainability.

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(iv) Enhance the Environmental and Social awareness and understanding of its
employees to help them make an informed decision in relation to internal
environmental footprints and external customer dealings.
(v) Ensure the different levels of CBE’s management and staffs are taking appropriate
responsibility for the implementation of the policy through making an informed
decision.

1.5. VALUES
INTEGRITY
 we are committed to the highest ideals of honor and integrity.
 we are committed to act in an honest and trustworthy manner.
 we are committed to firmly adhere to ethical principles and standards.

SERVICE EXCELLENCE

 we are dedicated to maintaining the highest operating standards.

 we are committed to offer the highest quality service to our customers.
 we are committed to be the preferred brand in service quality.
 we strive to build long-lasting relationship with our customers.
we are committed to promoting efficient and effective services and ensuring maximum
value for money

PROFESSIONALISM

 we take ownership and personal responsibility for all what we do.

 we are professionals striving for perfection in our service delivery.
 we are responsive to the needs and interests of our customers.
 we continually develop ourselves to maintain leading-edge capabilities.
 we apply our knowledge and competence to our competitive advantage.

EMPOWERMENT

 we distinguish employees as valuable organizational resources.

 we promote delegation of duties and responsibilities.
 we maintain an atmosphere that inspires confidence and take ownership.

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 we encourage employees to take responsibility and support one another to treat

customers in a courteous and respectful manner.
 we recognize our employees for their best achievements

TEAMWORK

 we respect one another and cooperate in our work.

 we recognize the importance of teamwork for our success.
 we collaborate and support one another to ensure process integration and minimize
external business challenges

RESPECT FOR DIVERSITY

 we are sensitive to cultural, ethical, religious, or other values of employees and

customers.
 we value diversity of ideas and viewpoints of our employees.
 we foster an environment of inclusiveness, where all employees regardless of their sex,
age, belief, etc. can exercise their maximum potential.
 we are committed to addressing the needs of our customers, regardless of their sex, age,
education, etc.
 we are committed to listen to one another and respond appropriately

1.6 The Governance and organizational structure of CBE

 All departments in this organization are related to each other. The other department can
control the activity of other. Also, on their daily activities they must report to the body
which controls each department. Also, they control each other to minimize the problem
on job, to be fair and acceptable by every department. To achieve the objective and vision
they obey responsibility for the job given to all departments.

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1.7 Action Taken by the Bank to realize its Visions & Mission and the
Performance of the bank in relation to its objectives

Currently, commercial bank of Ethiopia goes various steps to realize its goals and objectives. It
has been opening various branches across the country and launching various products & services
to meet the dynamic needs of the society.

CBE implemented various actions to modernize and increase quality of service such as IT
infrastructure, the card banking system, integrated Banking Solution (Core Banking), internet
and mobile banking. It has been installing ATM cash dispensers & other e-banking systems
across the country and providing Visa-branded card payment service. Even though the number of
mobile & internet banking users are few compared with total population of the country, the bank
has been taking various measures to increase the number of mobile and internet banking users.

The bank trains its employee to improve quality of service deliverance, to develop their skill and
to create awareness on the policy and objectives of the bank. A corporate human resource
development strategy had been developed and implemented such as: -

 Competency gap analysis, training need assessment conducted.

 Competency directory and a training curriculum developed.

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 Agreement signed with international and consultancy firms and higher education
institutions like Frankfurt business & Management university to provide the
developmental training on continuous basis.
 Large developmental and technical trainings programs are provided.
 Succession planning and career Management system developed.
 Performance Management System (PMS) developed and implemented
In addition to that CBE opened its own library at Addis Ababa to develop its employee
knowledge and skill.

The bank establishes reliable information system and database for customer profiles and other
relevant information centrally stored and accessed.

CBE has been using various measures to increase its deposit amount, customer base and foreign
exchange earnings. Some of the measures taken by the bank are: -

 It creates intensive awareness throughout the country to bring non-banked society to bank
and to mobilize resources.

 It uses prize linked saving promotion

 Higher interest rate for targeted societies such as Women, Youth teen and student than
ordinary saving interest rate.
 Intensive promotion by using various channels such as TV, Radio, Browsers, etc.… about
the products & services of the bank.

1.8 Strength, Weakness, Opportunity, and Treat (SWOT) Analysis of the

CBE
Like any financial organizations Commercial bank of Ethiopia can also be affected by changing
environment. Therefore, it is necessary to know SWOT analysis of the bank. It provides a
strategic SWOT analysis of the bank business and operations. The following are some of the
SWOT analysis of CBE: -

Strength of CBE-

 Secure and reliable services tailored to meet customers’ needs.

 It gives priority to public interest.

 Over 60,000 committed, skilled and experienced employees
 Strong management-it can help CBE reach its potential by utilizing strengths and
eliminating weakness.
 Decentralized working environment

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 Innovative Culture: it helps CBE to produce unique products and services that
meet their customers need.
 Size advantages: it lowers CBE’s risk’s, the larger CBE gets, the more resources
they must pursue new markets and defend themselves.
 Economies of Scale: it is the cost advantages that CBE obtains due to size, the
greater the volume, the greater the advantages.
 Technology: superior technology allows CBE to better meet the needs of their
customers in ways that competitors can’t imitate.
 Customer loyalty

Weakness: -

 competitive market

 investment in research & development

 low salary compared with many private bank
 presence of offline branches
Opportunities: -

 income level is at a constant increase

 Population growth
 New products and Services: -
 growing economy
 New Technology
 Vision to become World Class Commercial Bank in 2025
Threats: -

 increase in labor costs

 growing competition
 external business risks

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PART TWO: ACTIVITY REPORT

2.1 How you get into the company
First, I want to get into the commercial bank of Ethiopia Kawo Sana branch and then i have
submitted the application letter to the manager. Few days later they ordered me the protocol of
the organization. Then I have gone where got such kinds of that uniform and I have asked the
price of that clothes and they told me over price.at that time I have decided one thing that is
come back to CBE cooperation office. Then I have been performing my work task for 30 days in
the wereda

2.2 In which section of the company, you have been working in

I done many of work in department. That is under the branch of of the kawo sana
district the department one of the most important departments in the organization. this is
because it plays a great to plan and allocating the budget of the woreda efficiently and
effectively to different activity. It also plans to use the limited resources in such as way
the maximize the efficiency and welfare of the society. we can say that the department is
the backbone of the organization.
The department was beginning its activity with the establishment of the organization. It
works to the interrelation with the other department like purchasing and administrative.
audit support processing etc.

2.3 How does the workflow in the section look like?

The following are types of works which have done in the organization
 Preparing monthly and annually report.
 Preparing methods that will improve customer satisfaction
 Allocating budgets and administer the accordance with government rules and
regulations
 Finding solution for the in department that hinders its mission, objective, and
vision.
 Review annual development plan and capital budget for the zone
 Designing and implementing short-term, middle- term, and long- term goals
 Administering resources efficiently and effectively to realize goals
 Prepare and submit plans for the other woreda together with the
recommendation, consolidate annual plan and budget of the woreda the after
reviewing proposal.
The main objective of the department
 Get loyalty from customers
 Increase female participation in department
 Implementing the government strategy
 Modernizing the use of instrument

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 Improving customers satisfaction

 Making salary and fund payment
 Prepare budget and project
 Receiving credit in advance

2.3The responsibility and major activities of me as a member of department (how the unit
contribute to the organization mission)
During the time when I have done my professional practice in commercial bank of Ethiopia
Kawo Sana branch in wolaita. I have been assigned specially to the customer service section. In
this section some of the activity that I have performed with the help of staff members were: -
By opening account for newcomer customers. Accounts such as
• Saving account: it is an interest-bearing deposit within the CBE at Kawo Sana branch
by legal persons (individuals, organizations & associations) who can fulfill the bank’s
requirement. The acceptable minimum balance to open saving account is birr 25.

• Demand deposit account (current or checking account): it is a non-interest-

bearing account. The minimum amount of money required by the Awash International
Bank to open a current account for individual or individual trade operators is birr 500 and
for others birr 1000.

• Special demand deposit account: it is a non-interest-bearing account that is opened

to fulfill the requests of those customers who, for one reason or another, do not want their
deposit to accrue for them any interest.25 birr is the minimum requirement for opening
this account type.

• On Telegram, that means, all branches are connected with telegram (especially by
Telephone & Fax) to send outgoing messages & to receive incoming messages to/from
other branches and by entering these on computer system.

• By filling different forms for customers, out of these forms some of them are: - a form to
send money (on cash or from account)

- cash deposit
- cash withdrawal
- re transfer
- account blocking

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- western union money transfer and others

Also, I have participated in a checker activity, by checking daily tickets which are filled and
written manually, by comparing with the information & balance existed in the computer system.
 I have also participated in an activity related with writing (on computer, typewriter, and
handwriting).

2.5 Which work piece or work tasks you have been executing
The during my in terms the following are work piece I have been working provide Survive for
customers. Preparing monthly and quarterly report.

2.6 What procedures you have been using while performing your work tasks
At first time I was observing the work of the department for one week I was doing
everything that they told me to do like computerizing the data of the department for the
first two weeks and first that I was trying to do all my best to support all the staff
members as well the department. Some of my activities are preparing driver per time
allowance revving daily activity drivers. Feeling the report. Feelings daily and weekly
activity of the report and checking daily perform activity.
The procedure I have been using while performing my work tasks
o Settings internship goals
o Locating internship opportunities
o Applying for internship
o Interviewing internship
o Matching internship goals

2.7 How good you have been in performing your work tasks

During my apparatus in commercial bank of Ethiopia Kawo Sana branch in wolaita. I

take myself as a staff at the organization.
 I performed most of my activities with staff member. I had done the activities with the
other members of the division, but the member /the staff did not give me such responsible
fully.
 In the first week I performed my task not well. Because it is general introduction week
and after two weeks, I performed my task in good manner because I adopted each activity
quickly with the working environments of the organization.
 Practical attachment is very interesting I tried to complete all the time given in the
workplace. So, I obtained better knowledge and improvement my skill from this practical
attachment.
 The bank activity is required high concentration for each activity. Generally, I mined that
my performance on activities in the organization was good because at there was suitable

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and favorable to me for present as well as the future and the task was not that much
difficult for me.

2.8. What challenges you have been facing while performing your work
tasks
Firstly, the organization does not allow me to do this summer attachment at their organization.
Secondly, it takes to Mach time to adopt the organization environment, rules and regulation.
Third supervisor is very busy so that she cannot give full orientation to me about the activity that
I have going to perform completely and
finally, the network breaks up and the transportation is the main problem to me on this
attachment. Hat challenges you have been facing while performing your work tasks

2.9 What measures you have taken in order to overcome these

challenges
To solve those problems, I have tried to create good relationship with staff members in the
following below
They try to give me every information and everything that I wanted, and they support me to
solve the stated problem.
The problem of the organization with the university must get solution because most of the
companies are not willing to accept that apparatus.
Generally, I suggest or forward the listed solution for success of my practical attachment to
achieve its objectives.
The general orientation should be given to the regulation.
There should be documents prepared to such situation and preparing daily attendance and taking
attendance as well as making them punctual by giving them responsibly willingly. F

3. PART THREE:
Internship Evaluation EVALUATION

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3.1 What you gained in terms of improving your practical skills

This practical attachment is very help full for student in order to make well minded in any work
that done in any governmental and non-governmental organization. This summer attachment is
guideline which helps the students to know band understand the theory with a little effort and
improve their abilities.

This practical attachment also has a great objective for the students and the major rational of this
practical attachment was that to know the theoretically learned course & gained knowledge are
applied & implemented in real world environment and to improve education through practical
work. Another rationale of this practical attachment is students to know the working
environment, how to work & gaining experience from the peoples in the work environment

 The practical attachment has several purposes. Some of them are listed in the
following.
 It is for the case that the apprentice to realize the theory in class to real world
through practice
 It is for the apprentice should compare and contrast the economic through
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 What you gained in terms of upgrading your theoretical knowledge

This theoretical attachment has a great significance for the students. some of them are discussed
below
 It helps the students to understand how works are implemented theoretical knowledge
 It helps the student’s how learned theories are applied in the working environment Helps
the students to apply their skill & knowledge on the job what they have gained from
learned theoretically in the class
 It helps the students to have experience & to know work ethics
 Helps lecturers to identify their student’s ability in practical working environment.
 Benefiting students. by improving their skill and knowledge

3.3 What you gained in terms of improving your interpersonal

communication skills

internship experience had given. will give me behaviors that helped me interact with other
effectively in the workplaces school and in the larger world. It also helped will me how I
communicate.it mean I am sharing information and expressing thought or feeling either face to
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face or thought medium such as phone and also how I develop my verbal communication skills.
During my stay in company, I have learned how to communicate and build relationship with
other people I work learned how I introduce myself. talk about me interest. knowledge and skill
with entrepreneur and business owner as well as how to ask question and to gain better
understanding of business not only in co-working space but also other in market

3.4 What you gained in terms of improving your team playing skills
This is fact that the internship greatly improved my team playing skills for one months. The time
was amazing and interesting in developing my team playing skills. And all the tasks I have been
worked were team works.
It helped me to know that working with the team members cooperatively has great positive effect
on the result of the work. As a result, it made me a strong believer of team works.
In developing team playing skills understanding and helping each other’s out in not only
work staff, but also in customer of the organization and other day to day life are vital. I’m
a practicing with works at the bureau. So, in the following and advance my team playing
skills. Some are listed below:
o Team working on staff members
o Customers are coming from different part of the Wereda. And also, from the
administration
o Working with the manager is the other think. Managers are always ridge with no
flexibility in the decision.

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3.5 What you gained in terms of improving your leadership skills

Here are some leadership skills I can get through these types of programs plus some real
life of young professional who became a leader on the job
 Working independently and as a team

 Critical and analytical thinking.

 Reliability and trustworthiness.

 Willingness to ask for help

 Problems solving skills

 Relationship building

 Adaptability to change

 Dynamic and outgoing

 Clear communication

 Confidence

3.6 What you gained in terms of understanding about work ethics related
issues

There are some work ethics related issues what I have understood during my stay
company.

The following all rules and policies as required by employer.

 It is maintaining strict confidentiality regarding information obtained on any clients,

member, customer, patient, employee, and product or services associated with the
internship site.

 It is observing all established safety rules and avoiding unsafe work practice

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 The accepting responsibility and accountability for decision and actions taken will at the
internship site.

 The treating all customers, clients, supervisors, and follow employees with dignity and
respect

 It is using appropriate written or oral commutation and interaction with the supervisor,
employees, and client

 It is demonstrating honestly, cooperation, integrity, courtesy, and willingness to learn.

 It is engaging in the positive, ethical, and legal

3.7 What you gained in terms of entrepreneurship skills

The someone who builds or operates their own business internship had provided will the
set of skills which is related with entrepreneurship. Communication skills being able to sell both
my selves and my idea or product.Strong focus. Eagerness to learn and b flexible. Customer
service skills
Time management and organization skills. Analytical and problem-solving skills. Teamwork and
leadership skills. Branding, marketing, networking skills.
In additional to the above skills during my stay in company I have able to know how to mitigate
the risk of financial loss or failure.

CHAPTER 4
CONCLUSION AND RECOMMENDATION
4.1 conclusion
internship is very important program in which the students are exposed to real application area of
their concern there by developing their practical skill in proper manner. and it as an intern of me,
the internship helped me more than you think. The internship is the mirror of what the student
sees his real person in it.

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4.2 Recommendations for Improving the Internship Program

to improve this program, the university, the organizations, supervisors, students, and others must
be work together. These are areas which must be improved: -
 some organization simply takes acceptance for the student without any preparation at the
place students assigned.
 the school /department/ should have to prepare appropriate related organization with their
specific field of study for their internship
 Because of the limitation of information some assumption was made. So, there may be
some personal mistake in this report.
 The time one months are not sufficient to know all activities of the branch to prepare the
report

5.REFRENCE
 Website of the organization: -www.combanketh.et
 Some oral information from employees

 Annual report of CBE 2019/20

 Direct information from the manager of the organization

 Branch Banking Handbook

 Some from daily activities

6.APPENDICEX
WEEKLY FORM TO BE FILLED BY THE STUDENT

STUDENT'S NAME: BONSA HUNDE

Organization's name: Commercial Bank of Ethiopia. (Adola Branch)

Week Time Major Major Overall Overall

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 INTERNSHIP REPORT 2022/2023 BY BONSA HUNDE

s spent activities problems recommendation/reflections Recommendation/reflections

(in encountered
hour) and
solutions
made

Week 36hr Introducing Error faced Asking person who work Asking person who working
1 myself and interchange in the branch
ng in the branch
fill form of account
customer number
who can't when
writing transfer one
name and account to
account another acc
number
when cash
withdrawal
and cash
deposit

Week 36hr Observing No problem Very good Very good

2 the
activities of
organization
collections
information
and service
customers

Week 38hr Taking The job Communicate and share Communication and share
3 instructions seems to be idea with employees idea with employees
submitting difficult
of
application
letter
introducing
myself
_Observing
activities
_Taking
instructions

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INTERNSHIP REPORT 2022/2023 BY BONSA HUNDE

36hr _Data Some Very good Very good

gathering theories are
in business
_recording
language
data
Reading
manual of
the
organization
_formatting
pc and
desktop
computer

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