ARBA MINCH UNIVERSITY

COLLAGE OF BUSINESS AND ECONOMICS

DEPARTMENT OF ACCOUNTING AND FINANCE

SECTION: B

INTERNSHIP REPORT ON BERAHAN BANK (ARBA MINCH BRANCH)

BY

ELSABET SHIBIRU

ID No: EBE/478/12

SUBMITTED TO: MUBAREK

DECEMBER, 2023

ARBA MINCH, ETHIOPIA

DECLARATION

This internship entitled to the Berhan Bank in case of Arba Minch branch. It has been
read and approved as the meeting the preliminary internship requirement for the
department of Accounting and Finance in partial fulfillment for Bachelor degree in Arba
Minch university.

Name: Elsabet shibiru

Signature:_________________

Date:____________________
SUPERVISOR CONFORMATION LETTER
This is to certify that an internship entitled “Assessment of Overall Accounting and
Finance Practices of Berhan Bank (BB) Evidence from Arba Minch Branch, Arba Minch
Town, Ethiopia.” Has been carried out by Elsabet shibiru and under my supervision.
Therefore, I recommend that the student have fulfilled the requirements and hence here by
the can submit the report to the department for defense.

MUBAREK (MBA)

Name of Advisor Signature _______ Date--------

 ACKNOWLEDGEMENT
In the beginning I would like to thank my Almighty GOD for giving me the strength and
ability to finish the task.I want to thank my academic supervisor Mr.Mubarek , Lecturer
of , Arba Minch University, for providing me all the necessary helps for completion of this
report. I want to give the greatest thanks to Sir for guiding me as an advisor to start and
complete this report successfully.

The practical attachment opportunity I had with Berhan Bank was a great chance for
learning and professional development. I consider my self as a very lucky individuals as I
was provided with an opportunity to be a part of it. I am also grateful for having a chance
to meet so many wonderful people and professionals who led me through this internship
period. I would like to thank Mr. Hiskeal Manager of Berhan Bank Arba Minch branch
for helps me with all their capabilities and affections.And last but not the least; thanks to
all the personnel working at Berhan Bank ,in Arba minch branch.

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Table of Contents
ACKNOWLEDGEMENT...................................................................................................iv

LIST OF FIGURES.............................................................................................................vii

ACRONYM.......................................................................................................................viii

EXECUTIVE SUMMARY................................................................................................viii

CHAPTER ONE....................................................................................................................1

1. INTRODUCTION.........................................................................................................1

1.1. Description of the Organization..............................................................................1

1.2. Background story of the company..........................................................................1

1.3. Vision of Berhan bank............................................................................................2

1.4. Mission of Berhan bank..........................................................................................2

1.5. Values.....................................................................................................................3

1.6. Objective of the internship......................................................................................5

1.7. Scope of the exploration.........................................................................................5

1.8. Significance of the internship.................................................................................5

CHAPTER TWO...................................................................................................................7

2. METHOD OF INTERNSHIP PROGRAM...................................................................7

CHAPTER THREE...............................................................................................................8

3. RESULTS AND DISCUSSIONS.................................................................................8

3.1. Management Hierarchy..........................................................................................8

CHAPTER FOUR..............................................................................................................12

4. STRENGTH, WEAKNESS, OPPORTUNITY AND THREAT (SWOT) OF

ORGANIZATION...............................................................................................................12

4.1. Berhan Bank Strength, Weakness and Opportunity.............................................12

4.2. Challenges and Problems of Berhan Bank...........................................................14

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 4.3. Efficiency and effectiveness of the practical attachment.....................................15

4.4. Relevance of Practical Attachment to my studies................................................16

CHAPTER FIVE.................................................................................................................17

5. CONCLUSION AND RECOMANDATION..............................................................17

5.1. Conclusion............................................................................................................17

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

REFERENCES....................................................................................................................19

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 LIST OF FIGURES
Figure 3:1 Hierarchy is consists of three levels:...................................................................8
Figure 3:2 Financial position:..............................................................................................11

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 ACRONYM

ALC - Asset Liability Committee

ATM - Automatic Teller Machine

FX - Foreign Exchange

BB - Berhan Bank

PSS - Primary Switch Solution

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 EXECUTIVE SUMMARY

Service company visit is a vital part of the curriculum. It helps to bridge the gap between
class room and the real working world.The visit also provides first-hand knowledge about
the organizational structures and modes of operation in different service sectors.The visit
takes in Berhan bank in Arbaminch branch. In this internship program my responsibility
was to opening new accounts.I see in this duration important of good communication skill
with the customer. I learned how to handle the errors of customers writing skill. And also
in internship program I have learned how I communicate with new customers to give
services, methods I should have use to persuade the new customer to give services that the
company activity with their types,Generally, the objective of this practical attachment is to
assess the performance of Berhan bank Arba Minch branch. The extent to which Berhan
bank of Arba Minch branch is realizing its vision and mission and performance of the
organization in relation to its objectives. The intention of this practical attachment was to
increase student’s knowledge and enable student to compare what have learnt so far in
class and what have experienced in summer practical. To produce well qualified, self-
reliant, active, change agent and real problem solver student. In addition, the other
objective is to investigate equal participation of Berhan bank with other bank to it
realizes to its visions, mission and objective. Not only limited to this but also emphasis the
problems faced by me while I was performing this practical attachment. Thus, practical
attachment suggests solutions and some of policy implication toward reducing the
purcheasing

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 CHAPTER ONE
1. INTRODUCTION

1.1. Description of the Organization

Berhan Bank, Arba Minch branch, is located in Arba Minch city Gamo zone Sikela sub
city.

1.2. Background story of the company

Berhan Bank (BB) was formed in accordance with Article 304 of the commercial code
of Ethiopia with the objective of operating in the banking industry.This objective has been
ensured in Article 3 of the Memorandum of Association of the company .The Bank was
registered and licensed by the National Bank of Ethiopia on 27th Jun,2009 with an
authorized capital of Birr 300million and subscribed capital of Birr 154.7 Million divided
into shares of 100 Birr par value each. This was the year the vision of our founders came
to fruition. Berhan Bank was inaugurated and launched its operation on October 3 , 2009,
opening its first branch in Bole ,Addis Ababa.From the onset, we were the first local bank
solution , fully automating our branchs. Other than rendering fulfilled Domestic and
International Banking services the Bank implemented Mobile and Internet Banking
through which it is issues Berhan cards and has placed its ATM’s at various locations
throughout the Country to provide its diversified products in convenient ways to our
esteemed customers. Moreover, to enhance the application of modern banking
technologies and provide competitive service via a wide range of card banking services,
the Bank has established a strategic partnership with Master Card, VISA and Union Pay
branded cards which is one of the breakthroughs to provide international payment service.
A full-scale preparation to upgrade the Bank’s T24 application to the latest and robust
release is completed.

In our case area Berhan bank Arba Minch branch was established in October 2005 E.C.
This Branch was the first branch in Arba Minch city currently there are two branch in
Arba Minch branch. The bank have plan to open new branch. The history of berhan Bank
is a transformation of Credit and Saving Share Company. It is an icebreaker in the country
to be grown from Micro finance Institution, with a huge capital of Birr 7.1 billion. The
Berhan Bank, the former Credit and Saving SC, total capital jumped by 175Pct to ETB7.7

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billion from last financial year’s ETB 2.8 billion. The former micro-financer turned full-
fledged commercial bank as of May 2021 grew its paid-up capital to ETB4.4 billion.

Formed with 22 shareholders, its assets rose to ETB16 billion, an increment of 11Pct from
last year. During the financial loan and advances accounted for ETB12.8 billion while
treasury bills investments of ETB219 million were made.The new bank has over 400
branches, two million customers, and has been able to mobilize ETB6.1 billion in deposits.
Earnings came in at ETB2.3 billion, showing an ETB 338.3 million and 17Pct growth.
Profits exceeding ETB500 million—a 54Pct growth.

1.3. Vision of Berhan bank

Berhan Bank was established with a vision to be trustworthy and excellent banking
services for the Ethiopian people. To be the preferred Bank in customer Experience and
Integrity. By the time Berhan Bank achives its vision,it will be the first destination of
banking customers who need the best customer service with the highest level of integrity.

1.4. Mission of Berhan bank

To provide superior banking services that exceed customers’ expectations and maximize
shareholders’ value through state of the art banking technology and high caliber
staff.provide divers financial products by developing motivated and qualified human
resource as well as up-to-date technology with highest ethical standard to create maximum
value to stakeholders.

Berhan bank is a specialized financial institution established to promote the national

development agenda through development finance and close technical support to viable
projects from the priority areas of the government by mobilizing fund from domestic and
foreign sources while ensuring its sustainability.

The Bank earnestly believes that these highly valued objectives can best be served through
continuous capacity building, customer focus and concern to the wider environment and
provide superior banking servies’ we provide innovative and high quality products and
services that exceeds our costemers’ expectations. Maximize shereholdres’ value-we
continually grow the profitability and wealth of my shareholders by maintaining integrity
of the bank/employees.

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State of the art banking technology-we use the latest and up-to-date digital banking
technology appropriate for the business. High caliber staff-we provide our service with our
highly qualified and expriance staff.
Objectives of berhan bank are:-
 To contribute to the general economic development efforts of nation
 Enhance growing market share
 Expanding the bank’s capital base
 Ensuring excellence in customer services
 Provide differentiated, varied and value added banking services ,
 Maximizing profitability through increased efficiency
 Increasing employee satisfaction and developing their skill

1.5. Values
 Customer centricity-provision of quality of customer service is our priority.
 Integrity-we uphold the highst level of ethical standards,honesty and reliability;
and strive to fulfill our commitments.
 Respect-we always value and give priority for people.
 Excellence-we do the first time right, and continuously improve our service.
 Innovation-we continuously improve our products, process and systems by
developing our creativity.
 Collaboration-we cooperative with each other and with our stakeholders including
the community.
Major services provided by the Bank:
 Card of Credit
 Cash Against Document (CAD)
 Advance Payments
 Money Transfer
 Correspondent Banks
In most recent years, following the fast and widely moving Information and
Communication Technologies; traditional banking businesses are being replaced by
modern and technology based banking product and services. The ever changing global
business environment is enforcing banks all over the world to internalize latest
technologies with introduction and implementation of new products and services. The
Ethiopian banking business is also moving towards these modern banking services with
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the implementation of these technologies. New product development is one of the areas in
which Ethiopian banks are giving special attention in order to boost their market share in
the industry. In this regard, in the most recent years, the introduction and implementation
of Internet Banking, Mobile and Agent Banking, Card Banking services and Interest Free
Banking products and services are some of the major products and services being
implemented.

Student

This deposit account is established to students to attend higher education and settlement of
cost-sharing scheme. Students at any college or university can open student saving account
with an initial deposit amount not less than Birr 10.

Berhan Bank is committed to operation under the changing information technologies. In

this regard, various software solutions were Internal developed. Among which; software
that ensures a secure intra office communication platform is implemented. Inventory
Management System and Signature Capture and Retrieval System are under
implementation. Furthermore, A Queue Management Enhancement for the foreign
exchange application.

Electronic channels

Internet Banking: through Berhan Internet Banking enjoy online, easy, real-time access
to your account information in the comfort of your home, office or from any remote
location

ATM: Automated teller machine (ATM) is a computerized telecommunications device

that provides customers with access to financial transactions in a public space without the
need for a human Clerk or Bank Teller.

Mobile Banking: Mobile banking is a service that enables customers to access and
manage their account 24/7 through their mobile phones.

POS: Point of Sale terminal (POS) is a computerized telecommunications device that

provides the customers with access to financial transactions in a public space.

Berhan Card : a part from implementing state of-the- art technology on its own, it has
begun providing Card Banking Services through PSS (Premiere Switch Solutions), a
company established by the consultation of BB, AIB, UB, CBO and BIB.

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1.6. Objective of the internship
The practical attachment is work integrated learning experience. It promotes academic,
personal and professional development.

 Mastering technical skills

 Gaining essential background knowledge
 Perfecting interpersonal skills
 Turning current skills through practicing
 Relating theory with hand on practical learning
 Building a network of contacts
 Learning about professionalism and leadership
 Entering to particular job

1.7. Scope of the exploration

Our practical attachment covers geographical, conceptually, timely and methodologically
has been limited.

 Geographically it covers Berhan Bank Arba minch branch.

 Conceptually embrace opening personal account; we activated E birr access for
customers.
 Timely our practical attachment duration time cover 5 days.
 Methodologically our data collection method was interview, document analysis
and observation.

1.8. Significance of the internship

 Internship helps you in testing our practical accepts of what you know and focus
on how to do particular job. You may get to discover new things,familiarize your
self with the office environment, follow the process and explore the career path
that you have chosen to study for.

 Experiential offers a chance to learn by doing ,in a setting where you are
supervised by work place professional, and have opportunities to achieve your
own learning goal, without the responsibilities permanent employee.
 Internship provides students with an opportunity to put in to practical skills they
have learned while in school. In addition, students should have of being a an

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 opportunity to enhance those skills, obtain the perspective of a work
environment and benefit from a monitor or supervisor experience and advice.
 Expose to the real-world problems across the industries.
 Improve the adaptability and creativity in work place.
 Increase the chance to get employed in reputed companies.
 Ease the transition from college life to working life.
 An internship provides you with firsthand experience , professional opportunity
and personal growth. It will also make you more competitive when apply for
jobs. As an intern, you will gain relevant skills to show case on your resume.
 Internship are an opportunity to network with grate people and sharpen your
skills before entering the working force. They also tremendously with figuring
out your true passion. Companies often look at them as a ways to gain
experience and exposure to make a smooth transition into your role when hired.

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 CHAPTER TWO

2. METHOD OF INTERNSHIP PROGRAM

Data collection method from my practical attachment through document analysis,

interview and observation. I intervied employees of the organization including manager of
the branch. For instance by using open end questions; face to face interview; semi
structured interview. The interview is like a conversation and has the purpose of obtaining
information.I were see magazine that have organizations information

Observation is a purposeful, systematic and selective way of watching and listeningto an

interaction or phenomenon/situation as it takes place. Document analysis is a qualitative
data collection technique used by individuals to gate information. The process involves
evaluating a manual and computer to interpret them, gain an understanding of their
meaning and develop up on the information they provide.

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 CHAPTER THREE

3. RESULTS AND DISCUSSIONS

3.1. Management Hierarchy

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A hierarchical structure is a layout of organizational structure where the chain of
command or the level of position and ranking looks like a pyramid. This layout consists of
multiple entities where every employ in the organization.

Figure 3:1 Hierarchy is consists of three levels:

1.Top level manager; the top level management holds the responsibility of setting goal,
creating of business plan or project plan ,and manage the entire organization and are called
senior management or executives.
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  Chief executive officer (CEO)
 Chief financial officer (CFO)
 Chief operational officer (COO)
 Chief information officer (CIO)
 Chairperson of the board
 President
 Vice president
 Corporate head
2. Mid-level management; The mid –level management is those in the levels below top
managers. They are ones set diverting activities to achieve the goals set by top
management. One of their roles is to motivate and assist those in the low level. Their titles
includes:

 General manager
 Plant manager
 Regional manager
 Divisional manager

3. low-level management; The low level management is considered as the foot as a

solider of an organization as they are one doing all the work and carrying out the essential
task sheet to achieve the goals. The low- level managements are also called first level
management, shop level managers or supervisor. They hold titles such as:

 Office manager
 Shift supervisor
 Department manager
 Foreperson
 Crew leader
 Store manager

In our case area management levels consists of manager, teller customer server,
accountant. Individual teller customer server responsible for accountants, accountants
responsible for managers.

Teller customer server Accountants Managers

3.2. Types of Leadership

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Organization use different type of leadership style to achieve its goal. The organization I
deal with that means Berhan bank use bureaucratic types of leadership style. It also known
as managers “ by the book’’. Everything done according to procedure or policy if not
covered by the book.

3.3. Operation philosophy

Operational philosophy have different dimensions such as service, product ….etc. In our
case area Berhan bank use service delivery or service philosophy. The customer service
philosophy is a set of guiding principles that a company uses to solve support issues and
build customer relationships. A customer service philosophy is a shared mission for your
support, a set of guiding principles that ensure you’re upholding your core values with
every customer interaction.

3.4. Human resource management practice

The human resource department is responsible for finding such talented man power and
placing them in right position in the banks. In our case area performance human resource
functions in Arbaminch district. Sometimes hired employees in two way: such as

Secretary and security.

3.5. Customer Relationship Philosophy

The relationship that the organization have with its customer is fully confident, trust,
respect. If there is any system problem serve customers with manually to protect their
interest.

3.6. Financial Resource Management Practice

Financial performance : the summarized financial performance of the bank during the
financial year 2020/21 is presented in terms of asset, liability, equity, income and expanse.

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Figure 3:2 Financial position:
ASSETS
The bank’s total assets reached birr 54.2 billion, an increase of birr 11.7 billion over the
previous year’s corresponding balance of birr 42.5 billion, signifying a growth rate of 27.6
%.

LIABILITY
The total liability of the bank stood at birr 47.2 billion registering a growth of birr 10.5
billion(28.7%) compared the corresponding last year figure. Total deposits from customers
constituted 92.3% of the total liability.

EQUITY
The banks equity which is composed of paid up capital regularly risk reserve retained.

3.7. Technology Adoption of the Organization

Technological advancement in Berhan gradually change from manual to computerized

system. Now the bank 65% of its activity perform by using digital computer and
documentation for comparison purpose.

3.8. Decision making process of the organization

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The decision making process on Berhan bank is both top down and bottom up approach.
Employee present new idea and the top manager also give direction thatmake good
communication among upper and lower managers and solve problem togather.

CHAPTER FOUR

4. STRENGTH, WEAKNESS, OPPORTUNITY AND THREAT (SWOT) OF

ORGANIZATION

4.1. Berhan Bank Strength, Weakness and Opportunity

Streangths: Can be defined as an area where a company is best at doing something or a
feature that puts a company at an advantage in comparison to its competitors. Berhan
bank enjoy the following;

 The strength of service is very good and customers are satisfied with that service
 They have computerized system and online banking
 Berhan is the 27th largest bank in Ethiopia with over 160 branches
 Berhan banks ATMs are linked with a number of leading local and foreign banks
 Automated system made Berhan bank to rise with the pressure of rising
competition
 The employers at Berhan are offered reasonable monetary benefit. Normally two
bonuses are given Eid-ulFitarandEid – ul-azha.
 Berhan bank has well established website and is up to date about the bank Secure
and reliable services tailored to meet customers’ needs;
 It gives priority to public interest ;
 Technology: superior technology allows Berhan to better meet the needs of their
customer’s in ways that competitors can’t imitate;
 Customer loyalty

Weaknesses: A weakness of the organization is as follows:

 Availability to society (small number of branch)

 Poor manual documentation system
 Their office is not visible for customers

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Opportunity: Berhan bank is the biggest bank in Ethiopia with a huge market share in the
country's banking industry. Because of its size, it has many opportunities for growth and
expansion. Some opportunities that the bank can explore include:

 Berhan bank can develop additional financial products and services to cater to the
growing needs of its customers. For instance, it can introduce new digital banking
channels such as mobile banking to improve customer experience.
 Berhan bank has a presence in most regions in Ethiopia, but it can consider
expanding further to other regions to increase its market share.
 The bank can collaborate with other financial institutions to create synergy in its
operations. Such partnerships can help the bank to pool resources and expertise to
develop innovative products that can help it stand out in the market.
 Investing in innovative and modern technology can increase efficiency and
effectiveness in service delivery, which leads to customer satisfaction.
 The bank can invest in the development of its employees by offering training and
personal growth programs. This enhances employee capacity and increases
productivity.
 Growing economy in Ethiopia, with increasing demand for banking services and
investment opportunities.
 Potential for increased investment in technology and digital infrastructure, which
could improve efficiency and attract new customers.
 Potential for partnerships and collaborations with international banks and financial
institutions.
 In conclusion, Berhan bank has numerous opportunities for growth and expansion,
and by leveraging these opportunities, the bank can increase its market share,
customer satisfaction, and profitability.
Threat: the Berhan bank sector in Ethiopia is facing a number of threats, including
 Lack of access to capital.
 Limited access to financial services.
 Lack of trust in the banking system.
 Political instability or economic downturn in Ethiopia could negatively impact
the bank's financial performance.
 Increased competition from other domestic and international banks, which could
erode market share and profitability.
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  The potential of cyber-attacks and other security threats could also be an issue
for the bank.
 increase in labor costs
 growing competition
 external business risks

4.2. Challenges and Problems of Berhan Bank

Like any financial organizations, Berhan bank has faces various challenges in its day to
activities and in its strategic action. The following are among the problems that faces
Berhan current time

1. Inflation: - Since recent times inflation has become the main global and domestic
economic challenge. Before the 2008 global financial crisis there was also inflation and as
the economies of Asian countries like China and India grew at a faster rate the demands
for raw materials rose, and it was mainly caused by international demand hikes. But after
the crisis many developed countries followed the policy of financial easing and released
their currencies in to the global economy. And increase in the money supply has created a
massive global inflation and that is felt here in Ethiopia.

For Berhan bank the high rate of inflation has serious implication. Since it gives loans at a
fixed rate of interest as inflation rises their profit margin will be diminished. And as for a
long period of time the rate of inflation is higher than the deposit saving interest rate, the
depositors will be less motivated to deposit their money in a bank.

2. Low infrastructure in the country: - absence of basic infrastructure in the country

hinders the bank not to provide modern banking services to the society. The following are
some of challenges of Berhan related with poor infrastructural facility of the country:-

Low telecommunication infrastructure-absence of modern telecommunication

infrastructure especially in peripheral part of the country hinders the bank to provide
modern bank services to the society. In addition to that frequent failure of network creates
customer dissatisfaction of the bank. Even though Berhan bank introduces some modern
banking service like ATM, Visa cards, mobile and internet banking in capital city and in
some regional cities, majority of the society missed to enjoy with the technological
advancement which has been entertained elsewhere in Africa and the rest of the world due
to the absence of infrastructural facilities.
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  Lack of road’s creates rural society not to use bank
 Frequent Electric power Failure

3. Lack of awareness on the bank products and services by the society- even though
the number of customers that used bank increased periodically, majority of the society of
our country has no awareness on bank products and services.

4. Competition from other Bank:- there are many other piravate ban]ks that compete
with Berhan bank. They always provide new products and service to their customers and
their service excellence increases from time to time. In addition to that private banks
provide credit service to private sector and Berhan gives priority to provide credit service
to government & sectors that have impact on national economic development.

As Berhan bank planned to become world class bank in 2035 it apply various approaches
to solve or minimize its problem & challenge in order to achieve its goals. It provides
financial support to government in order to minimize poor infrastructural facility like
telecommunication and electric power supply. Berhan Bank also used various methods to
create awareness and to increase its customer base. It used Door to door, browser, various
TV, and Radio channels, discussion with stakeholders and other methods to create
awareness on bank products and services to the society.

Berhan also introduces new and modern technology to its customer periodically. The users
of modern banking services increasing from time to time and the number of branches
opened across the country reached more than 400 now . Today, more than ever before,
Berhan bank aggressively expanded its presence in all directions of the country. Despite
the flourishing of other private commercial banks in the country, Berhan bank has
remained potent and is in the lead in terms of assets, deposits, capital, and customer’s
base.

4.3. Efficiency and effectiveness of the practical attachment

Practical attachment is an essential for the development of the practical and professional
skills required for a real work and an aid to prospective employment. It helps students the
opportunity to apply knowledge in real work, exposing students to work methods not
taught in the university and as well as assessing student interest in the occupation he/she
plans to under take. In addition to that it enables to know theories and principles I have
learned in a class practically. Therefore, practical attachment has paramount benefits to
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my study and to my future career in the field.
There are a lot of importance’s of practical attachments for the students, university and for
society. Some of the importance are listed below
Practical attachment 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 research making skill.
 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.

4.4. Relevance of Practical Attachment to my studies

I have acquired a lot of benefits from practical attachment to my studies. Some of the
relevance’s of practical attachment are stated below:-
Many operational part of the bank are related with theoretical knowledge that I acquired
from my study, so it enables me to develop my theoretical knowledge with practical skill;
It helps me to apply knowledge I gained in the classroom;
Practical work enables me to narrow the gap between theoretical knowledge and practical
skills related with my study;
It enhances learning and understanding of issues relevant to a particular area of study;

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 CHAPTER FIVE
5. CONCLUSION AND RECOMANDATION
5.1. Conclusion

As mentioned in the earlier chapters, practical attachment is probably one of the best ways
to provide the students and graduates with the practical exposure so that they get an
opportunity to understand the working culture, systems, structure, strategy, operation and
methodologies that are carry out indifferent departments in an organization. Attachments
also help one to test their skills, competencies along with helping them to identify the
knowledge gap between the theoretical principles and the practical work setting. It can be
said that it provides students and graduates a plat form to know how an organization
actually work in the real life setting with the help of personal interaction.

During my 1 month attachment period , I got an opportunity to work in customer

service .For my, each day of the 1 month spent in Berhan Bank was a great learning
experience as every day started with new aspiration and ended up new lessons.

Throughout the internship period, I got a chance to deal and work with people with
different quantum of experience and qualification in various departments I worked in.
Having spent so much time with these qualified and experienced people gave me a good
exposure to work culture. It helped me to develop professional skills such as;
communication skills, behavioral skill, technical skill and how to work as a team player. In
addition to this, the overall course structure of Arba Minch University and Its
implementation via practical attachment further helped to have better knowledge of work
place ethics for me.

Lastly, I would like to conclude that the position of the bank in the market is very strong
and trustworthy as its net profit, paid up capital, total deposit, total loan and income from
interest is stable and has potential to grow more in the future providing many benefits to
all its stake holders. Hence, I strongly believe that completing attachment from such
reputed bank is definitely going to help me both in my professionals and personal life.

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5.2. Recommendation

Berhan bank needs to advertise it`s self as it is not so familiar among the people like other
banks. They should give training to its staff about the knowledge of the product of
different banks as they then able to compare the advantages of their products with respect
to others. I found many complaint regarding the ATM issues in Berhan bank. Most of the
time ATM remained offline. Berhan bank needs to make sure the alliterative links the
customer.

 Problem with information system

Berhan banks information system is not very good and most of the time online transaction
service of the bank network is down, which occurs to be a big issues in smooth working,
management really need to work on it.

 Advertisements

Berhan bank needs to use more marketing channels to make public aware of its products
and services. This means in addition to electronic device the bank should have use door to
door promotion.

 Distribution of branch

Management should distribute branch equally among different parts of the Arba Minch
society.

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REFERENCES
 www.berhanbanksc.com
 Mr. Hiskeal Samuel (Arba minch Berhan bank branch manager)
 Manuals Available in branch

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