SAMARA UNIVERSITY
COLLAGE OF BUSINESS AND ECONOMICS
DEPARTMENT OF MANAGEMENT
INTERNSHIP REPORT
THE PRACTICAL ATTACHMENT IN DEBUB GLOBAL BANK
SAMARA BRANCH
DURATION TIME: FOR 15 DAYS
SUBMITTED TO:-DEPARTMENT OF MANAGEMENT
BY;
ID;
MARCH; 2023
SAMARA ETHIOPIA
ACRONYM
DGd debub global bank
NGO non governmental organization
GO governmental organization
PLC programmable logic controller
CTD Certificate of Time Deposit
LC Letters of Credit
CAD Cash against Document
ATM Automatic teller machine
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CHAPTER ONE
1. INTRODUCTION
1.1 Background of the organization
Debub Global Bank S.C. is one of the private banks established in August, 2012 with
subscribed capital of Birr 266.9 Million and with a paid up capital of Birr 138.9
million. The company has a legal entity registered with the licensing and supervisory
body of the National Bank of Ethiopia in accordance with proclamation No-592/2000.
Over the past few years, the bank has grown fromBirr138.9million to Birr 700 million
of paid up cap-ital and Birr 1 Billion of subscribed capital, from 15to 50 branches
both in the capital and regional cities and has more than 150,000 customers across the
country. The total asset of the company has reached Birr 4 billion. This tremendous
growth was largely driven by active participation of its valuable customers,
employees, shareholders and other relevant stakeholders.The bank provides a wide
range of both domestic and international banking services with superior customer
service standards.
1.2 Ownership nature and type of organization
1.2.1 Ownership of the organization
Debub Global Bank the private commercial bank that has been named Debub Global
Bank for 9 years has decided to change its name to Global Bank Ethiopia. The
General Assembly meeting held on December 19, 2022, has confirmed that the
formerly known Bank has officially changed its name to Global Bank Ethiopia.
Debut Global Bank S.C. is a privately owned share company which has started
operation on August 28, 2012. The bank is established to provide a wide range of
banking services to both domestic and international businesses with quality customer
services, higher value creation for stakeholders and to be a responsive corporate social
citizen by effectively blending commercial pursuit with social responsibilities.
1.2.2 Nature of organization
Debub Global Bank grants loans and advances to various sectors of the economy on
the strength of feasibility of the proposed projects. Hence, all types of loans spread
among the categories of loans recognized by the bank. Major services rendered under
loans and advances Export Financing and Import Financing
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1.2.3 Type of organization
1.3. Objective and goals of the organization
The bank is established to provide a wide range of banking services to both domestic
and international businesses with quality customer services, higher value creation for
stakeholders and to be a responsive corporate social citizen by effectively blending
commercial pursuit with social responsibilities. Customer satisfaction and providing
modern technology of speedy bank system.
1.4 Structure of the organization
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1.5. Cardinal issue of the DGB (vision, mission, objective
and goal)
Vision
To be the first-rated bank through operational excellence.
Mission
Debub Global Bank S.C (DGB) enhances stakeholders’ value by providing excellent
banking services to its customers using modern technology, providing competent
leadership, and employing capable, disciplined, and satisfied employees through
effective recruitment, training, and development.
Values
A trusted Partner to our Customers
Excel in Professionalism
Foster Diversity and Teamwork
Pursue Learning
Care for our Employees
Act with Integrity
Give back to the community
1.6 Products & Services DGB
1 Deposit Services
saving Account
■ Ordinary saving account
■ Children Saving Account
■ Youth Saving Account
■ Golden Age Saving Account
■ Special saving account
Fixed Deposit
■ Deposits are made for a fixed period of time against an agreed interest rate.
■ A Certificate of Time Deposit (CTD), which shows clearly the amount deposited,
the due date, and the rate of interest are issued by the Bank as evidenced thereof.
■ The depositor may be allowed to withdraw against an advance notice before
the maturity date.
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Current Account
it is an account from which money may be withdrawn without notice, typically an
active account catering for frequent deposits and withdrawals.
Current account, apart from enabling authorization of payments through cheque and
sag-negating business finance from personal one, shows professionalism in business
and signals credit worthiness.
2. Loans and Advances
Major services rendered under loans and advances Products & Services
■ Export Financing
■ Manufacturing loan
■ Domestic Trade Services
■ Construction Loan
■ Import Financing
■ Transport loan and others
■ Overdraft
■ Domestic guarantee
3. International Banking
Major services rendered under International banking
■ Import and Export Letters of Credit (L/C)
■ Cash against Document (CAD)
■ Foreign Transfer Services, both incoming and outgoing
■ Sales and
4. ATM/POS
Now your bank goes where you go, so it’s easier than ever to keep up with your
finances. Whenever, wherever. The service is now available on our own and other
banks’ ATM machines. Purchase of Foreign currency
1.7 POSITIONS OF DGB
Branch Manager I at Debut Global Bank
Senior Digital Banking Business Officer at Debut Global Bank
Manager, Outsourcing & Procurement Division at Debut Global Bank
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Senior Digital Banking Operation Officer at Debut Global Bank
Chapter two
2. SWOT analysis
2.1. Strengths of the organization
Talent management
High margins
Success of new product mix
Market Leadership Position
Strong brand recognition
2.2. Weaknesses of the organization
Gross Margins and Operating Margins
Declining market share
Low investments into DGB Financial customer oriented services
Extra cost of building new supply chain and logistics network
2.3. Opportunities of the organization
Increasing customer base in lower segments
Accelerated technological innovations and advances
Rapid Expansion of Economy
Increasing government regulations
2.4. Threats of the organization
Shortage of skilled human resources
Distrust of institutions
Accommodation of the product segment
Competitors catching up with the product development
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Saturation in urban market and stagnation in the rural market
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Competitive pressures
CHAPTER THREE
3. ACTIVIES UNDERTAKE DURING FIELD ATTACHEMENT
This program creates the real exposure to the reality on the company to integrate
theoretical knowledge with practical .By this chance I try to find a company going to
accept my internship request. During this time first I get Abyssinia Bank. But they did
not accept my internship request and I would got to ethio telecom . Then I try to find
other companies which to accept my internship paper.
Finally, I get DGB manager to give the internship request. He accepted my request
and I get positive response and acceptance letter.
In which Section You Have Been Working In
Customer reception
Account opening
Chaff or cashiers section
Which work piece or work task you have been executing
Tracking tickets, withdrawal of cash, cash deposit and hand money.
Issues the cash or the check deposit from to be filled out by the
applicant.
Assisting an illiterate customer in all aspects of business problem.
Switch of the user who is not worked if the system is gets failure.
Collecting data from customer.
Problems encountered on job
For the first a few days it is difficult to perform any activities because I was
new for the entire job in the bank and also there is some frustration.
It is not easy to communicate with the employee because it is new for the
office
Suggested solutions
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Lake of skill about the customer handing of the branch
Lake of knowledge about the function of office material
Shortage of additional working material for trainers like chair, computer
Some of employees are afraid to give files sharing
Challenges problem of Samara branch and suggested solution
Small number of employees
Size of offices small
Small number of the material
The duration of time is its recent and so
CHAPTER FOUR
INTERNSHIP EVALUATION
4.1 Lesson ,experience and skills
4.2. Practical skill
1. I develop an ability to do a given work practically without any frustration.
2. I Improved my ability of understands working procedure.
3. I have known how to create good relation with customers
4.2 Theoretical skills
Speaking of the theoretical skills I have gained, I upgraded my theoretical skills by
working in cooperation with DGB Samara branch employees. I gained the following
theoretical skills during the internship program.
Cashers activity
Opening the account and
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Adjusted the document
4.3. Inter Personal Communication Skill
During these 15 days, I have been able to upgrade my communication skill to a whole
new level and gained confidence on how to ask different questions, to make
discussion and decide.
Use of interpersonal communication
To understand the needs of others
To make decision and solve problem
To anticipate and predict behavior
To improving formal communications
4.4Team Playing Skill
During my stay in DGB Samara branch, I have learned that, difficult to go ahead and
do something without having a strong team. Team work important because it can
speed up procedure and give good service more efficiently and allows goals to be
reached in an efficient and timely way.
4.5. Leadership Skills
During the 15 days DGB Samara branch, I have been able to upgrade my leadership
skills to a whole new level. To achieve leader ship skills, it requires high level
commitment to learn from each experience I face. I have observed that a good leader
is well principal individual who focuses on a common goal and eliminate excess fear
and doubt from his employees and work for a common good of all.
4.6. Work Ethics
I understood the effects of ethical problem related to work like impolite behavior, lack
of punctuality, disregard of rules and procedures and disrespect for the job. I see how
to decline the ethical problems on the productivity of the company. From this I can
conclude that if one has good work ethics he will benefited and encourage others to
do the same and at last benefit the bank.
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4.7 Entrepreneur Skills
Application of energy and passion towards the creation and implementation of new
ideas and creative solutions. Essential in gradients includes the willingness to take
calculated risks in terms of time, equity, or career, the ability to formulate an effective
venture team; the creative skill of building solid business plan; and finally, the vision
to recognize opportunity where others see chaos, contradiction and confusion.
CHAPTER FIVE
MANAGEMENT CONCEPT
5.1. Planning systems
5.2. Recruitment methods
5.3. Selection methods
5.4. Induction
5.5. Placement
5.6. Promotion method
5.7. Compensation method
5.8. Leadership style
5.9. Cooperation's
5.10. Communicative method
CHAPTER SIX
CONCLLUSION AND RECOMMENDATION
6.1. Conclusion
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This internship program bridges the gap between the student’s theoretical knowledge
and practical skills. Various types of orientation programs, tasks, and training that we
have been under taking during those past 15daye in the office boosted my knowledge.
Internship program provide us many knowledge and experiences in many ways like: -
The spirit of working together and cooperativeness
Communication & interaction with colleague
Gave us the chance to change theoretical knowledge to practical or real
knowledge in some way duto short period of time
The ability of making decisions and taking responsibility
6.2. Recommendation
I recommended the branch to improve with the following points,
All staffs focused on the day to day activities for all DGB products like cross
selling, up selling, money tracking, customer base, digital banking and
customer service experience.
As much as possible by communicating district HR the branch should be
increased additional human resource.
The most thing in my hosting company is it have manual that describe many
strategies, plans and structures and also functions of different employees but
dose not allowed to see due to security matter.
It should be adjusted the human resource.
The organization should be increased the computer system in large
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