ABSTRACT

This practical attachment's main goal is to evaluate the performance of the Ahadu bank maraki
branch. The degree to which the Ahadu bank marakibranch is carrying out its vision and
mission, as well as the organization's effectiveness in relation to its goals. The purpose of this
practical attachment was to broaden students' knowledge and provide them the opportunity to
contrast what they had learned in class thus far with their practical experiences. To generate
students that are highly competent, independent, engaged, change agents, and effective problem
solvers. The investigation of Ahadu Bank of Ethiopia's equal participation with other banks in
achieving its vision, purpose, and target is another goal.
Acknowledgment
First and foremost, We want to express our sincere gratitude to the Almighty God for continuing
to support our, keep our alive to this day, and allow our to finish our internship. Our sincere
gratitude is to Mr. (General Manager), Ms …of Ahadu bank Gondar branch, Gondar university
maraki campus department of Accounting and Finance, ,For inspiring and guiding we throughout
our internship
Contents

Acknowledgment........................................................................................................................... ii
PART ONE: - ORGANIZATIONAL REPORT........................................................................................1
1.1 Background of the Ahadu Bank...............................................................................................1
1.2. Cardinal issues missions, vision, and objective of the Ahadu Bank......................................1
1.2.1Mission........................................................................................................................................1
1.2.2. Vision.........................................................................................................................................1
1.2.3.Objective.....................................................................................................................................1

1.4. The extent to which the organization is realizing its visions and missions and performances
of the organization in relation to its objectives.............................................................................4
1.5. Strength, weakness, opportunity and treat (SWOT) analysis of the organization Strength...4
1.5.1 Strength of Ahadu bank..............................................................................................................4
1.5.2 Weakness of Ahadu bank...........................................................................................................4
1.5.3 Opportunities:-...........................................................................................................................4
1.5.4 Threats:-.....................................................................................................................................5
1.5. Problems observed that affect the organization at current time and its critical issues..........5
1.6. Suggested solutions or measures to be taken to solve or at least minimize the problems.. . .5
PART TWO: - ACTIVITY REPORT..................................................................................................... 6
2.1Background of the department/division where you have been working.................................6
2.2. Objectives and major responsibilities as well as activities of the department or division......6
2.3 Your responsibility and major activities of as member of department....................................6
2.4 Performances evaluation of your activities..............................................................................6
2.5 Problems encountered on the job and remedial action we have taken..................................7
2.6 Problems encountered by the department and suggested solution........................................7
PART THREE: - ATTACHMENT EVALUATION...................................................................................8
3.1 Rationales of practical attachment..........................................................................................8
3.2 Significances of practical attachment.....................................................................................8
3.3 Relevance of the organization and our activities.....................................................................8
3.4. Applicability of the theories and others in class on real world or practical wok environment
(the specific theory, area and course should be mentioned clearly).............................................9
3.5 Major problem that we faced during the attachment.............................................................9
3.6 Suggested solutions during the practice................................................................................10
PART FOUR: - CONCLUSION AND RECOMMENDATION...............................................................11
4.1 Recommendation...................................................................................................................11
4.2 Conclusion............................................................................................................................. 11
Reference.....................................................................................................................................12
PART ONE: - ORGANIZATIONAL REPORT

1.1 Background of the Ahadu Bank

Tsedey Bank is a share company established on July 23, 2022 with an
authorized capital of Birr 2.8 billion and paid-up capital of 734 million Birr . It 1

was formerly the Amhara Credit and Savings Institution, which was
established as Ethiopia’s first financial institution under the Microfinance Act
of 1989 . It was licensed in April 1997 as a separate micro-finance share
2

company . Its primary mission is to improve the economic situation of the low
3

income, productive poor in the Amhara region . 3

1.2. Cardinal issues missions, vision, and objective of the tsedey bank
1.2.1Mission
Maximize stakeholders’ value by providing diversified banking services through competent and
motivated employees and up-to-date technology.

1.2.2. Vision
Aspiring to be a champion of excellence in banking business in Ethiopia.

1.2.3.Objective
 Maximizing profitability through increased efficiency.

 To contribute to the general economic development efforts of nation.

 Enhance growing market share.

 Provide differentiated, varied and value added banking services.

 Increasing employee satisfaction and developing their skill.

1.2.4. Value
 Integrity

-We do the right thing, even when no one is watching;

-We keep our word and honor our commitments;
-We maintain confidentiality and privacy of all.
 Customer Satisfaction
-We strive to excel our business and satisfy our customers

1
 -we are committed to offer the highest quality service to our customers and aspire to be
branded with quality in the minds of our customers and the General public.
 Employee satisfaction
-we are committed to employee training and professional growth
-we distinguish our employees as valuable organizational resources
-we recognize our employees for their achievements
 Learning organization
-we are committed to anticipate and respond to internal and external changes through
constant improvement and adaptation
-we strive to establish a culture that nurtures individual and group learning
 Teamwork and collaboration
-we recognize the importance of teamwork for our success
-we support one another and work co-operatively
 Public trust
-we understand that the sustainability of our business depends on our ability to
maintain and buildup public confidence
 Value for money
-we deliver the same level of service for less cost, time or effort
-we deliver a better service or getting a better return for the same amount of expense,
time or effort
-we use resources carefully to save expense, time or effort

 Decentralization
-we are committed to delegate operations and decision-making responsibilities
 Corporate citizenship
-we value the importance of our role in national development endeavors
-we abide by the laws of Ethiopia and other countries in which we do business
-we care about the welfare of the society and the environment

1.3. Organizational structures

The structure of an organization consists of the coordination of the individuals and collective
departments within the organization to collaboratively reach a final and shared goal in the most
effective and efficient manner.

In order for the organization in question to reach its full potential, Ahadu bank maintains a clear
and consistent balance between the organization and the people employed within the
organization, as it is through the successful interaction between these two aspects of a business
that the necessary and effective structure can be achieved and maintained. The structure of ahadu
bank may be very similar to a regular organization, depending on the size of the bank. Ahadu
Bank is governed by the Board of Directors consisting of a Chairperson, a Vice Chairperson and
seven Directors. The overall management is entrusted to the management team which comprises
2
the Chief Executive Officer, who is appointed by the Board of Directors, eight chief officers
and twenty three Director

 Organizational Structureof ahadu bank

1.4. The extent to which the organization is realizing its visions and
missions and performances of the organization in relation to its
objectives

 To achieve mission, vision and objective Ahadu bank officials plan to raise the paid-
up capital to 20 billion Birr in the next five years through the sale of shares to the
public and current stakeholders.
 The bank’s paid-up capital reached 3.4 billion Birr at the end of the financial year.
 In the same year, the bank secured 572 million Birr in annual profit, up by 196% from

3
 the preceding twelve months. This has led the earnings per share (EPS) to jump from
4.2% to 16.6%.
 The total asset of tsedey grew by 9% to 43.1 billion Birr while its deposit
mobilization increased by 8% to reach 33.9 billion Birr last year.

1.5. Strength, weakness, opportunity and treat(SWOT) analysis of the

organizationStrength
1.5.1 Strength of Ahadu bank-

 Services that are safe and trustworthy and are adapted to the needs of the clients;
 It prioritizes the public interest;
 Decentralized working environment;
 Innovative Culture: it enables WBE to create distinctive goods and services that satisfy
the needs of their clients;
 Economies of scale are the cost benefits that Ahadu bank achieves as a result of size; the
bigger the volume, the greater the benefits;
 Technology: Due to its superiority, Ahadu bank is better able to satisfy the needs of its
clients than rivals;

1.5.2 Weakness of Ahadu bank

 Competitive market
 Investment in research & development
 Comparatively low pay compared many private banks

1.5.3 Opportunities:-
The level of income is steadily rising.

 Population growth
 New products and Services
 Growing economy
 New Technology
 The goal is to establish a world-class Ahadu bank by 2025.

1.5.4 Threats:-
 Increase in labor costs
 Growing competition
 External business risks

4
1.5. Problems observed that affect the organization at current time and
its critical issues
Has faced some challenges relating with e- payment service. Among the challenges Security,
Standardization, Regulatory and Legal Issues, Infrastructure, Heavy Investment Costs, and
Socio-Cultural Challenges are the serious ones. And it affected the development of the service as
expected.

1.6. Suggested solutions or measures to be taken to solve or at least

minimize the problems.
 Increase the awareness of society
 Building infrastructure’s

PART TWO: - ACTIVITY REPORT

2.1Background of the department/division where you have been

working

Customer service officer department is one of the sectors of ahadu bank gonder branch .It
performs its duties and responsibility by setting specific and feasible goals and objectives which
support to speed up customer satisfaction and profit maximization of the bank. More than 10
employees make up this department, each of whom works 8 hours per day and is responsible
for something on their own.

2.2. Objectives and major responsibilities as well as activities of the

department or division.

● To smoothly implement integrated banking solutions in customer service process.

● To have single source of reference to perform.
● To determine duties and responsibilities that each employee at all level in the Customer
service process.
 To provide efficient and quality service to its customers.

● To ensure standardization and uniformity in the customer service process.

5
2.3 Your responsibility and major activities of as member of department
 Account opening
 duties related to customer service
 Opening account
 Pay cash and receive cash

2.4 Performances evaluation of your activities

As a department member, we also accountable for carrying out the department's duties. When
we participant at the ahadu bank gonder branch, we performed the following specific actions as
an apprentice based on those general activities.

 we supported employees by opening accounts for more than 20 customers.

 we make sure the customer's name, date, and signature are correctly filled out.
 we provided several services for the department and the clients.
 we complete a task on time and honestly by according to the guidelines and rules.

2.5 Problems encountered on the job and remedial action we have taken
Problems encountered on the job

 we put in a lot of time studying, learning, and preparing for our careers; however, the
true challenge comes once all our knowledge is put to the test in a real-world situation.
When undertake our first working experience while participating in the Attachment, and
are often expected to participate at the same level as an organization’s full-time
employees,this can lead to stress or feelings of being overwhelmed, which may deter
some individuals from realizing our true potential in our career.
 Getting confused because we didn’t get enough guidelines or directions.
 Fear to ask questions, we are not even sure which of our colleagues will help we or will
they feel disturbed. we feel he sitant in interrupting them.
 The hierarchy in the organization was difficult to understand during the first few days.
Since we need to be clear about whom we are reporting and who is reporting to whom.

Suggested solutions
The way to combat those overwhelming feelings is to keep an open line of communication
between we, employer, and our internship program advisor. Additionally, if we are unsure of
how to complete certain task, it won’t hurt to ask the employees or a colleague for help.
Generally, freely ask questions where we get confused, try to blend in with the office people, and
socializing with colleagues will help we to adjust to the office and the work too.

2.6 Problems encountered by the department and suggested solution

6
The working environment is the most crucial demand of the department. The lighting and thev
entilation in the room is not good enough.
Therefore, create a space where all feel welcome and supported for employees to stay
motivated,improving ventilation and air filtration is important for the office to ensure fresh air is
coming in and existing air is cleaned and keeping a space well-lit with white light and with the
right color temperature is important for better working environment within the department.

Problems with poor customer management in some employees. Hence, ensure all customer
service personnel are adequately trained and updated on the latest industry trends and best
practices. This will ensure that they can provide quality service to clients and deal with any
complaints effectively and timely. Some employees have computer skill gap, so it is better to
give advanced digital training.
There is also Stationary material shortage in some days, hence proper materials purchasing
schedule need to be implemented

PART THREE: - ATTACHMENT EVALUATION

3.1 Rationales of practical attachment

The rationale of practical attachment includes it enhances Cross-training which allows us to

experience and practice different work-related skills. Job guidance provided by the practical
attachment program creating confidence in the students. The students develop confidence to join
the industry being multi-skilled and competent enough. This does not only enhance employee
skills but also gives companies the benefit of having employees who can perform more jobs.
The attachment also gives employees a better appreciation of what co-workers do and how their
own jobs fit in with the work of others to achieve company goals .
This attachment has great importance behind it. It is primarily planned to check how the
theoretically learned courses and gained knowledge and skills are applied in real world
environment. It is also aimed of evaluating how relevant and applicable theoretically courses
learned are in real world it also looks into challenge and opportunities’ prevailing in the real
world and; to suggest some possible solution in the real world.

3.2 Significances of practical attachment

The practical component of our study has been very beneficial to we. The following are some
examples of how practical connection is relevant: -

7
1. It allows we to combine our theoretical knowledge with practical skill development because
many operational aspects of the bank are related to the theoretical knowledge we gained from
our studies.

2. It facilitates our application of what we have learned in the classroom.

3. we can overcome the disparity between we study-related practical abilities and theoretical
knowledge through practical work

4. It improves knowledge and comprehension of matters pertinent to a certain field of study

5. It improves students' ability to conduct research.
6. It improves students' ability to handle difficulties or problems they encountered in class or
with their practical work.
7. It enhances employability skills of the students.
8. It supports the growth of students' critical thinking, decision-making, and self-esteem skills.

3.3 Relevance of the organization and our activities

The organization and our activity have much relevance to our study. In our stay of Customer
Service department, we have learned that how one person cans harmonious work with the other
Employee in each department. we know how to apply the lecture class in real world or a
practical work. It also encourages we how to identify any problem and give the solution.

3.4. Applicability of the theories and others in class on real world or

practical wok environment (the specific theory, area and course should
be mentioned clearly)
Organization in which we do our practical attachment, ahadu Bank of Ethiopia gonder branch is
relevant for our field of study. Because some course that we learned in the class were related
to working environment as described here below: -

 Accounting course helped we more in overall steps of the attachment on cash flow within
the company.
 Management Information System (MIS) course on how data are stored on database
and data are searched by primary keys in order to shorten time spent on accomplishing
the single job speed up the system of our searching employee’s information or customers
information.
 Psychology: - For smooth relationship with both customer and employee at workplace.

8
3.5 Major problem that we faced during the attachment
 There was less communication between the University and hosting Company (TBE) and
this lack of communication left we to deal with challenges on our own, as there was no
one from the department to intervene.

 The obtained data will differ from one employee to other

 Uncooperative attitude of some employee.

 Inadequate work to do during the Attachment

 Getting confused because we didn’t get enough guidelines or directions.

3.6 Suggested solutions during the practice

 The University should ensure that Practice attachment is done in a professional and
systematic manner in which hosting institutions are genuine collaborating partners. There
should be better collaboration and communication between hosting institutions and the
Camps.

 Socializing with colleagues will help we to adjust to the office and the work too.

 Freely ask for adequate work

9
PART FOUR: - CONCLUSION AND RECOMMENDATION

4.1 Recommendation
The following recommendations are made for the involved organs based on the results of the
practical attachment:-

1. The length of the practical attachment period should be increased by the university.

2. Excellent customer service helps TBE compete with private banks. The bank has to provide
its customers more modern banking services, especially e-banking services.
3. Research and development should receive the proper emphasis from TBE.
4. TBE should move to mobilize and gather resources from the nation's expanding
economy.
5. The university needs to allocate enough money for practical attachment.
6. The university needs to strengthen ties with the organizations where the attachment was
undertaken.
7. Since employee satisfaction is one of the bank's core objectives, TBE should, like other
private banks, provide its employees higher salaries. However, higher salaries may also
discourage skilled and experienced workers from leaving for private banks.

4.2 Conclusion
The attachment confirms that fostering strong relationships between universities and
employers provides significant benefits for students, universities, and society at large. Many
Ethiopian higher education institutions do not give their students opportunities for practical
attachment. Instead, they put more emphasis on teaching the theoretical side of things, which
makes it difficult for students to find work once their academic careers are over.
On the other hand, a lot of difficulties and issues were seen at the businesses where the
practical attachment took place, and being aware of these issues can help students improve
their problem-solving abilities. Conducting practical attachments is crucial for society as a
whole, for students, universities, companies, and for employers.

10
Reference
www.ahadu.com

www.linkedin.com

Some oral data from the employee

Direct information from the organization's manager.

Data from the organization's written documents.

From employees of organization.

11
12