BAHIRDAR UNIVERSITY

COLLEGE OF BUSINESS AND

ECONOMICS
DEPARTMENT OF MANAGEMENT
4th YEAR STUDENT
INTERNSHIP REPORT ON COMMERCIAL BANK OF
ETHIOPIA AMBER BRANCH
PREPARED BY, NEBYOU GEBRIE

ID NO: 1101434
 SUBMITTED TO D.R GETNET
(PHD)

SUBMISSION DATE 21/01/2023

JANUARY 2023

BAHIRDAR, ETHIOPIA
Executive summary

Internship is a period of work experience offered by an organization to potential employees

that is usually undergraduates or students. Internship gives students exposure to the working
environment, often within a specific company, which relates to their field of study.
This internship was conducted on Aneded woreda Commercial bank of Amber branch. The
office found in Amhara region east Go jam zone in Aneded woreda in Amber town. The main
objective behind the internship was to determine how theoretical learned course is applied in
the real world. it contain background of organization, cardinal issues {mission and vision
objective} and organizational structure and it focus on identifying challenges and opportunity
facing the organization. The measure strength, weakness, of organization analysed, problem
observed that affect the organization currently conducted on this internship, more over
suggested solution to minimize the problems are listed on this internship. Additionally the
major activities conducted in the organization and my activity, applicability of theories and
other on practical work and measure problems face me during internship period and suggested
solution are discussed on this internship. Generally, this internship has summary, conclusion
and recommendation.

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Acknowledgement
First of all, my deepest gratitude and thanks is to my Advisor Dr Getenet
(PhD) for his unreserved, motivating and supportive academic guidance
and advice throughout the preparation of this internship paper.

Second, I would like also to give my thanks to all respondents to my

internship questions at commercial bank of Ethiopia amber branch workers
without their kind cooperation this internship would not be completed.
Finally, special thanks to all my family, my friends, and especially, the
manager of the branch Shiferawu Alay for his great helps regarding the
internship works. And above all I would like to thank God
for giving me the opportunity, wisdom & strength to accomplish this
internship paper.

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TABLE OF CONTENT
Executive summary.......................................................................................................................................I
Acknowledgement.......................................................................................................................................II
TABLE OF CONTENT....................................................................................................................................III
1.1 back ground of internship..................................................................................................................1
1.1.2 Services of commercial bank of Ethiopia....................................................................................2
1.1.3 CARDINAL ISSUES (Mission,and Vision ) of the Commercial Bank of Ethiopia............................2
1.1.3.1 Mission of the organization..................................................................................................2
1.1.3.2 Vision of the organization....................................................................................................3
1.1.4 Organizational Structure.............................................................................................................3
Fig 1.1 organization structure..................................................................................................................3
1.2 OBJECTIVES THE OF INTERNSHIP.......................................................................................................3
1.2.1 THE GENERAL OBJECTIVES..........................................................................................................4
1.2.2 The specific objectives................................................................................................................4
1.3 Significance of internship report........................................................................................................4
2.1 The activity conducted in the internship............................................................................................4
2.2 Performance Evaluations of My Activities.........................................................................................5
2.2.1 Major Challenges and Problems that I faced during internship..................................................6
2.2.2 Suggestion solutions taken to tackle the problems....................................................................6
2.3 The strength and weakness of commercial bank of Ethiopia.............................................................7
2.3.1 The strength of commercial bank of Ethiopia.............................................................................7
2.3.2 The weakness of commercial bank of Ethiopia...........................................................................7
2.3.3 The Problems of the amber branch and Suggested Solutions.....................................................7
2.4 learning experience from internship report.......................................................................................8
CHAPTER THREE: summary, conclusion and recommendation....................................................................9
3.1 Summary of the internship................................................................................................................9
3.2 conclusions........................................................................................................................................9
3.3 Recommendation............................................................................................................................10
Reference..................................................................................................................................................10

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CHAPTER ONE; INTRODUCTION
1.1 back ground of internship

Internship is a period of work experience offered by an organization to potential employees that is

usually undergraduates or students. Internship gives students exposure to the working environment,
often within a specific company, which relates to their field of study. Internship can be as short as a
month or as long as 12 months. Internship should give students practical skills, experience and greater
knowledge of a company in exchange for the employer benefiting from their labour. This report is a
short statement of one month’s internship work that is carried out in commercial bank of Ethiopia in
amber branch. I started internship program on September 04/01/2015 E.C continue up to October
05/02/2015 E.C when I start the first day internship work in the customer account and transaction
service department .

At the beginning of the internship I formulated several learning goal which I wanted to achieve.

 TO learn the how the banking system works.

 To see what is like to work in a professional environment.
 To see if this kinds of practical work is possibility of my future carrier skills.
 To see what skills and knowledge I need to work in a professional environment.
 To enhance my communication skills.
 To get experience (collect) data in an environment that is unknown for me.

Amber branch one of the branch of commercial bank of Ethiopia. It has been established in
March 22, 2014. It was located Amber town. Commercial bank of Ethiopia Amber branch
started working within few employees but, currently there are 24 employees and 16,128
customers. Commercial bank of Ethiopia is 100% government owned. Currently commercial
bank of Ethiopia has more than 27.5 million account holders and the number of mobile and
internet banking user also reached more than 4.6 million as of Dec 31, 2022.

In general by adopting or accepting different modern working technical commercial bank of

Ethiopia in Amber branch tries to achieve it is vision, mission and to bring desire economic
development in the country

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1.1.2 Services of commercial bank of Ethiopia
Commercial Bank of Ethiopia provides various services to its customer and has launched various
types of services by targeting various and specific segment of the society. The following are
some of the services such as

Deposit money

The Bank provides different depositt that enable customers to save money and store valuable property.

International Trade Service Commercial bank of Ethiopia offers different types of trade services that
facilitate import and export activities

-Credit Services short, medium & long term loans

-Trade Service it includes import & export related services such as documentary letter of credit,
cash against document, letter of credit advance payment, consignment and small items export,
and letter of guarantee.

Foreign exchange of money

1.1.3 CARDINAL ISSUES (Mission,and Vision ) of the Commercial

Bank of Ethiopia
1.1.3.1 Mission of the organization
 the bank committed to best realize stock holders need through enhanced financial inter
mediation in global and supporting national development priorities by developing highly
motivated, skilled and disciplined employees as well as the state of the art technology.
 The bank strongly believes that winning the public confidence is the basis of it is success.

1.1.3.2 Vision of the organization

The vision of the bank is to become a World-Class Bank by the year 2025.

1.1.4 Organizational Structure

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 Branch
cusromer Manager
service
manager

Branch Customer
Accountant chief cashier
Auditor service officer

Fig 1.1 organization structure

 Branch Manager- he performs over all controlling activity of the bank.

 Customer service manager- assists branch manager and invite new customer.
 Accountant- performs payment to customer and he performs payroll activities.
 Branch auditor; checking of book balance and ensuring error free book of account.
 Chief cashier; insuring compliance with daily cash holding limit of branch.
 Customer service officer- they pay and receive money from client.

1.2 OBJECTIVES THE OF INTERNSHIP

An internship provides a variety of benefits for young workers who want to broaden their chances for
landing a job and jump-starting their careers. Internship give you a taste of what a profession is like,
help you build your resume and let you meet people who can help you in your career.

1.2.1 THE GENERAL OBJECTIVES

The primary objective of the internship is to generate a thorough understanding of the workplace
relationship, performing of the activities and engaging oneself in the working environment. In a
way, it was more to get practical implication of all the studies, theories that I had acquired so far.

1.2.2 The specific objectives

Apart from general objectives, the specific objectives are highlighted below:
 To acquire exposure in the working environment resulting in the development of practical
knowledge, confidence and diplomacy

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  .To learns and applies theoretical knowledge practically in the workplace.
 To develop interpersonal, managerial and communication skills.
 To come up with the possible strategies to gain competitive advantage.
 To be a valuable asset for the organization by contributing positive aspects.
 To fulfil the partial requirements for the bachelors of art management programs.

1.3 Significance of internship report

There are a lot of significant of internship for the students, university and for society. Some
of the significances are listed below:-
 Internship gives students the opportunity to apply the knowledge and skill they have
acquired on campus in a real-life work situation.
 It enables student to be familiar with practical work when they complete their
academic year;
 It develops student’s skill to solve challenges or problem that they faced during
academic year or their practical work;
 It enables employers to recruit graduates familiarized with practical work
 It enhances employability skills of the students.

 It helps students’ to develop decision making skills, critical thinking skills, increased
confidence and self-esteem.

CHAPTER TWO: THE IMPLEMENTATION OF INTERNSHIP

2.1 The activity conducted in the internship

As branch 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 interns, when I
was participating at commercial bank of Ethiopia Amber branch. The fowling table shows the
major activities I performed in amber branch

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 № Activity day

1 Meeting with the branch manager for briefing about the internship. Monday,14-
9-2022

2 Socializing with some of the employees Tusdy15-9

2022

3 Learning the regulation to obey during the internship Wensday 16-

9-2022

4 I check the name, date and signature of the customer to be filled Week 2
properly.

2.2 5 Opened account for more than 50 customer by supporting employees Week 2

6 I accomplishes a given work punctual and honestly Week 3

Performance Evaluations of My Activities

Internship work enabled me to assimilate practical aspects of theoretical knowledge that I

acquired in the class. From practical work I am experienced with office manner, workflow and
customer handling. I accomplished the tasks that I assigned in the branch with a good
performance and I was evaluated by the branch manager as per the CBE performance
management system.
Performance evaluation system of the bank depends up on the nature of duties and
responsibilities assigned for the performer. Accordingly the performance of my activities

depends up on the nature of duties and responsibilities assigned for me .

 I could understand how transaction is made
 I could understand the difference between domestic and foreign transaction
 I have good communication with others at work place
 To ask necessary data I could communicate with my manager from time to time etc.

2.2.1 Major Challenges and Problems that I faced during

internship
Since I am fresh for the job I have faced various challenges during the internship work. Some of
the problems that encountered me during the internship work time are summarized below:-

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 At the beginning time they didn’t give me full freedom to do activities independently.
 Budget constraint- the budget does not provided by university is to cover my internship
costume linkage between university and the organization that I conducted internship is not
strong
 Negative thinking towards student’s internship work.
 Lack of knowledge about the office manner of the bank: - at the beginning time of the
practical work I have a little knowledge of the manner of the bank like wearing & working
time.
 Lack of knowledge about the work flow/process of the bank
 Lack of knowledge about the rules & directives of the bank
 Lack of skills about the customer handling of the branch Lack of computerized working
system.
 Shortage of additional working material for trainers like chair, computer.

2.2.2 Suggestion solutions taken to tackle the problems

In order to overcome the above problems I have took possible solutions to solve or minimize the
problems what I have faced. Such as:-

 Reading and understanding various documents like CATS Procedure, various Memo and
Manuals related with the bank work flow/process

 Organization should have to buy additional materials.

 The university should budget for internship . university should be actively involved in
assisting students in getting organizations where they conduct their attachment

 Making awareness about student’s internship work.

 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.

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 2.3 The strength and weakness of commercial bank of Ethiopia

Like any financial organizations Commercial bank of Ethiopia can also be affected by changing
environment. Therefore, it is necessary to know the strength and weakness of the bank. The
following are some of the strength and weakness analysis of commercial bank of Ethiopia;

2.3.1The strength of commercial bank of Ethiopia

 Good customer compliant handling
 Special focus on mass customer base
 Good efficiency and ethical conduct of staffs
 Existence of motivated, young & skilled manpower
 Good relationship with each other and with customers
 Having smart action plan.

2.3.2 The weakness of commercial bank of Ethiopia

 Shortage of material like chair table and computer for training staffs
 Lack of vehicle for consistent van based banking service
 Sometimes there is big connection problem that makes customer angry

2.3.3 The Problems of the amber branch and Suggested

Solutions
1. Frequent electric power failure and weak network system.
2. Size of the office is small-like most of CBE branches the building of the branch is rented from private
and is not enough to provide service.
3. Lack of awareness of customers about CBE.

4. Small number of Employees.

5. File management and documentation improperly among some workers

Suggested solutions
1. Substitute generator power when the electric power failed.
2. Giving awareness for the customers

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 3. Increase the number of employees etc.
4. Resource consumption way should be wise and manageable.

2.4 learning experience from internship report

Many of the theories and principles that we learned in the class are directly or indirectly related
with practical work that I observed. Let us see some of the theories and principles applied in the

.
work place Asset = liability + owners’ equity/Capital

The asset part of the branch accounts are registered in the Debit side of the banks General Ledger
& Journal. As customers deposit is liability for the bank it registered in the credit side of the
branch. All payable and income accounts are also registered in the credit side of the branches
journal. So the branches journal registration is registered as per the accounting equation
formula/balance sheet equation.
All branches transactions are made up of two entries in the accounts a Debit and a Credit. For
example if customer deposit money in his account cash would be debited and customers account
would be credited. Therefore I understand Double Entry Book Keeping principle practically. The
rational basic reason of internship is to produce highly qualified citizen in country, developing in
there competencies in the organization to make student to expose into actual working
environment and to familiarize with cost perspective employees.
 Familiarize class room learning theory with internship work in real working

environment.

 get a good practical skill

 Develop social relationship with the employee of the organization.

 Increase individual confidence

 develop knowledge of business problem identifier and solver.
 Help to see real world. Working environment

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CHAPTER THREE: summary, conclusion and recommendation
3.1 Summary of the internship

The main objectives of this internship was to give students the opportunity to apply the
knowledge and skills they have acquired on campus in a real-life work situation, to expose
students to a work environment, common practices, employment opportunities and work ethics
in their relevant field, to strength linkages between university and employers, and to identify
challenges and problems that students will face on the job after they complete their academic
life.
Organizational background, its mission and vision, organizational structure, SW analysis, and
various challenges and problems that affect organization at current time of commercial bank of
Ethiopia amber branch has investigated in the internship.
The organization has the capacity and willingness to contribute to economic growth of the
country by mobilizing resources of the country.
Various challenges and problems that faced organization in general and commercial bank of
Ethiopia amber branch particularly in current time has investigated. Some of are, frequent
electric power failure and small size of the branch are the major challenges of commercial bank
of Ethiopia amber branch. ; However, I tried to do my best in order to overcome or give related
solution to those challenges. Generally, I gained some experience due to this internship such as
how to work in cooperation with other, etc.

3.2 conclusions

The internship ascertains that creating strong relation between university and employers has
great advantages for students, university and generally for the society. Many Ethiopian higher
education institutions do not create internship chance for their students. Rather they focused
on teaching theoretical part and that creates challenges for the students in their employment
after they complete academic life.

On the other hand many challenges and problems observed in the organizations where the internship
was conducted and knowing challenges and problems of organizations may develop problem solving skill

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of the students. Therefore, conducting internship is important for students, university, employers and
for society generally.

3.3 Recommendation

While doing my internship, I observe some issue in lens of my eyes. Therefore, I would like to
suggest on some issues that I observed during accomplish my internship in at commercial bank
of Amber. 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.
Based on the findings of the internship, the following are recommended for the concerned
organizations:-
 The university should increase duration time of the internship
 Service excellence is useful for commercial bank of Ethiopia to compete with private
banks. The bank should expand modern banking service specially E-banking service to
its customer;
 Commercial bank of Ethiopia should give due attention for research and development;
 Commercial bank of Ethiopia should take action to mobilize and collect resources from
growing economy of the country;
 The university should provide adequate budget for internship;
 The university should strength linkages with organizations where the internship
conducted;
Finally, I would like to suggest to Commercial Bank of Amber 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

 Reading the annual report of the company by the march 31 of 2020 and 2021
 The daily and weekly activity.
 The interview; information from the employers of the organization.

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 The website of the organization;www.combank.et,http//WWW.CBE services/PROD/browser

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