SALALE UNIVERSITY

COLLEGE OF AGRICULTURE AND NATURAL RESOURCE

DEPARTMENT OF AGRICULTURAL ECONOMICS
THE REPORT OF PRACTICAL ATTACHMENT
UNDERTAKEN AT AWASH BANK ADOLA WOYU BRANCH
BY: ID NO
TESFAYE BEYECHA ……………………………….0004/14

SUBMITTED TO NIGUSU A (MSC.)

NOVEMBER, 2024
FITCHE, ETHIOPIA
 ACKNOWLEDGEMENT
This attachment was made possible by the support and cooperation of a number of individuals
who I am most grateful for the opportunity to enable me to learn and make a contribution and
gain valuable knowledge with the attachment organization as part of the requirements to be
fulfilled for the award of the bachelor of degree in agricultural economics. I am most grateful to
all who made my attachment successful. I would like to express my gratitude to the following
individuals:

First, I would like to thank the almighty God for the precious time and strength that enabled me
to complete my attachment period.

Secondly, I would like to acknowledge the entire awash bank manager’s Kejela ,Merdassa
limited fraternity for guiding me and supporting me to gain experience in several fields and
making the working environment conducive and friendly.

Thirdly, I would like to thank my supervisor Mihrete Babu for considering his time to access me
or to guiding me. .Lastly, I would like to thank everyone who took even the slightest part in my
attachment success and may the Lord bless them abundantly.

ACRONYM/LIST OF ABBREVIATIONS
AB Awash Bank
ATM automatic teller machine

BDM business development manager

CSD Customer Service Department

CSM customer service manager

CSS customer service officer

DCO development customer office

KYC know your customer

TIN tax identification number

 EXECUTIVE SUMMERY
An attachment offers professional learning experience that entails meaningful, practical work-
related to a student’s field of study or career interest. Attachment allows a student to experience
or at least relate to how working in his/her are field of study feels like and experience a real
working environment before they venture out there. At its most basic level, a Bank is a place to
safely keep our money. But beyond the basics, banks usually offer a wide range of products and
services designed to make managing our money a bits easier. There are plenty of banking
services customers may need at different stages of life. And with digital options, they can access
many of them right from their phone or laptop. In my attachment there are different concepts
concerned these are introduction cardinal issues organizational structure activity that I was
done what skills and experience I have gained. The problem concerned the bank and what I was
faced, conclusion and recommendation.

TABLE OF CONTENTS
ACKNOWLEDGEMENT...............................................................................................................ii
ACRONYM/LIST OF ABBREVIATIONS...................................................................................iii
EXECUTIVE SUMMERY.............................................................................................................iv
LIST OF FIGURES........................................................................................................................vi
CHAPTER ONE..............................................................................................................................1
1. INTRODUCTION.......................................................................................................................1
1.1 BACKGROUND OF THE STUDY......................................................................................1
1.2 Cardinal issues.......................................................................................................................1
1.2 Vision.....................................................................................................................................1
1.3 missions..................................................................................................................................2
1.4 core values..............................................................................................................................2
1.5 Services of organization............................................................................................................2
1.6 Organizational structure of awash bank....................................................................................8
CHAPTER 2....................................................................................................................................8
2.1 ACTIVITY PREFORMED IN THE ORGANIZATION..........................................................8
2.1.1 Activities performed in Customer Service Department................................................10
CHAPTER THREE.......................................................................................................................16
3.1 Lesson, Skill and Experience Gained......................................................................................16
3.2 lessons..................................................................................................................................18
CHAPTER FOUR.........................................................................................................................19
4. Challenges encountered and solution made...............................................................................19
4.1 Problems of department and suggested solution..................................................................19
4.2 Problems encountered on the job and remedial measures...................................................19
CHAPTER FIVE...........................................................................................................................21
CONCLUSION AND RECOMMENDATION............................................................................21
5.1 Conclusion...........................................................................................................................21
5.2 RECOMMENDATION.......................................................................................................22
REFERENCE................................................................................................................................23
 LIST OF FIGURES
Figure 1 organizational structure of awash bank.............................................................................8
Figure 2 identification cards to open account................................................................................10
CHAPTER ONE

1. INTRODUCTION.
An attachment offers professional learning experience that entails meaningful, practical work-
related to a student’s field of study or career interest. Attachment allows a student to experience
or at least relate to how working in his/her are field of study feels like and experience a real
working environment before they venture out there. An attachment offers the opportunity to
learn and explore different skills in one area of concentration and also other fields. It
allows the employer to bring new ideas and energy into the workplace, develop talent and
potentially build future full-time employees. Attachment is supervised. It is a structured learning
experience that professionally allows the student to gain valuable work experience in his/her
field of study.

1.1 BACKGROUND OF THE STUDY

Awash bank is the first commercial bank and established by 486 founding shareholders on
November 10, 1994 after deregulation. It started operation in February 1995. Awash Banks
business has expanded over the years. In 2019 the bank’s total assets has reached over birr 62.2
billion the number of banks shareholders also increased to 4369 and its paid up capital increased
to 4.4 billion. Currently the bank has over 412 branches across the country and leading private
banks in the country in all sectors.

Awash international bank of wombera branch is located in debre zeyit town of metekel zone,
beneshangul gumuz regional state Ethiopia. The branch has 18 employees. From the employees
3 of them are females the other members are males. The employees who employ in the bank
have different department. From these 8 economists, 4 accountants, 2 management, 2 computer
science and 2 of them are other related fields.

1.2 Cardinal issues

Any organization has its own mission, vision, core values and objectives in its work.so awash
bank have its own cardinal issues. Those are as follow,
1.2 Vision
 To be the first choice world class bank.

1.3 missions
 TO provide innovative, competitive and diversified banking services accessible to the
society with qualified and committed staff in a profitable and socially responsible
manner.

1.4 core values

 Accessibility
 Wisdom
 Accountability
 Social responsible
 Honesty

1.5 Services of organization

Services given by Awash Bank:
Special Deposit Accounts:
 Lucy women special saving account
 Special saving account for elders
 Smart children account
 Student solution account
 Salary drawing solution account
 Investment solution account
 Check payment’s solution account
 Provident fund solution account
Special Product Package:

 Financial products and services for religious institution

 Banking products and services for micro finance institution (MFIs)
 Package of product and services for high/ultra high net worth
 Banking products and services for saving and credit cooperatives and other associations
Digital Channel:
 Mobile banking
 Agency banking
  Debit card services
 Online channel (internet banking)
 Co-branded debit card

Foreign Currency Accounts

 Non-resident non transfer birr account
 Non-resident transferable birr accounts
 Non-resident transferable foreign currency accounts
Accounts Managements
 Saving account
 Current account
 Special saving account
 Fixed time deposit account
 School/tuition fee collection services
Other services:

 Interest free banking

 Money transfer services
 Credit services
 Consumer loan for Ethiopian diasporas
Mobile Banking

Awash Mobile Wallet

Awash Mobile Wallet is a mobile banking services provided by Awash Bank. It is a very simple
and convenient to use mobile banking system. Holder of any mobile device can use the service
without internet connection but availability of a mobile network is required. It is cost free or the
user is not charged by telecom operator for using the services.

How to Register for Awash Mobile Wallet and Operate Account Using Mobile Device

Any person can register for Awash Mobile Wallet at:

Awash Bank Branches

Awash Bank Agents

You can deposit to your wallet account at any Awash Bank branch or Agent. You can save up to
a maximum of ETB 25,000.00 in your wallet account 6,000.00 in a day or 24. You can withdraw
cash from your mobile wallet up to a maximum of ETB hrs from Agents, ATM or even branch.

Logging into Awash Wallet

Once registration is completed, SMS will be sent to the customer from Awash Bank SMS
gateway confirming registration and containing four digits initial PIN (Personal Identification
Number).
Dial *901# to begin

Enter your four digits PIN in the field to continue:

The system forces you to change your initial PIN by new one, and then enter a new PIN that you
can remember but similar number like 2222 are not allowed. You need to enter your new PIN
twice to confirm.

After changing your PIN, you need to log in with the new PIN. Then the system allows you to
the Mobile Wallet System,

There are other sub menus under each of the above main menus, as indicated below:

1. Balance Inquiry

Bank Account

Wallet Account, based on the number of account linked

2. Mobile Bill

3. Exchange Rate Inquiries

Buying Rate

Selling Rate

4. Money Transfer

5. Withdraw Cash

6. Money Send

7. Payments

8. Other Services

Mini Statement

Full Statement

PIN Change

Change Language

How to Get Available Services

Operating your account using USSD is quite simple. The steps are listed below in brief.
To get services, always dial *901#.

Enter your PIN correctly

Select service by entering the number corresponding to the services in to the field.

You have to complete one service before you proceed to another service.

It is advisable to change your PIN at a certain time interval. If you forget your PIN, you need to
apply to your branch; you can get a new PIN immediately.

Agency Banking

Agency banking is service provided by authorized Awash bank agents as per the Directive of the
National Bank of Ethiopia (NBE).
Agent means a person or Enterprise that engaged in a commercial business activity and has been
contracted by a financial institution to provide the financial institution on its behalf in a manner
specified in NBE directives
Agent banking means the conduct of banking business on behalf of a financial institution through
an agent using various service delivery channels as permitted under NBE directives.
Agency Banking is a delivery channel for providing financial services beyond the traditional
branch network of the bank. This requires partnering with agents to reach out to the remotest
locations of the country.
What are banking services provided by agents?
The following are banking services provided by agents:

1. Cash deposit
2. Cash withdrawal
3. Fund Transfer
4. Paying Money (Fulfillment)
5. Balance Inquiry
6. Mini Statement
7. Opening M-Wallet Account (Awash Wallet)

Debit Card Service

Awash bank puts ATMs at convenient locations for all its

own Awash Card, Visa Card, Master Card, China union pay cardholders.
The Banks ATM is available 24 hours a day, seven days a week and 365 days a year providing
service to Available services on Bank ATMs are

1. Cash withdrawal
2. Balance Inquiry
3. Mini-statement
4. Fund transfer between accounts attached to a single card
5. PIN (Personal Identification Number) change
6. PIN Unblock

Online Channel (Internet Banking)

Is browser based application provided to bank’s customers to access banking information and
make transactions. The application is optimized for desktop, laptop and tablet platforms too,
and both mouse and touch screen navigation.

Mobile channel:

Smartphone application providing similar functionality to online channel but in form of installed
native application. The application is optimized for Smartphone. But mobile channel has branch
and ATM locations features whereby customers can be navigated to nearby ATM and branches.

Available Services
Accounts

 Accounts overview
 Transaction history
Payments

 Transfer between own accounts

 Send Money
 Bank Transfer
 Transfer to Wallet
 Transfer Cash
How to Use Awash Internet Banking Services

 To get Awash Internet Banking services, you need to have a bank account with Awash
Bank. Apply for Awash Internet Banking at account holding branch.
 After application is processed, you will receive an SMS from Awash Bank SMS gateway
containing your onetime password (OTP). This initial password is valid only for 24 hrs.
Therefore, you need to change your password before it expires by logging into awash
online.
 Enter your seven digit account ID, then click on “continue” to proceed.
  Enter your initial password; the system prompts you to change your old password to new
one
 Enter new password containing 8 to 10 digits each composed of capital letter, numbers
and other symbols. Saving password is not advised. Keep your password safely and
secretly.
Account Operations

Accounts overview -when you click on this menu you will get a widget of all of the bank
accounts under the party ID used as a login ID. You cannot access other accounts opened in
different party ID. .

Transaction history- You can select any of the accounts populated by online banking and view
transaction history.

Payments

Transfer between Own Accounts– you can transfer amount from one of your account to
another account linked to your Internet Banking.

Send Money- by using this menu, you can send money to any partner by following the steps
below:

Select a partner or create a new one. When you select a partner, a row for template will
be displayed.

Select “add new” from the dropdown box, payment option will be displayed. The available
payment options are the following:

Bank Transfer- This is to transfer to bank account

Transfer to Wallet-This is to transfer to wallet account.

Transfer Cash-This is to transfer to unregistered mobile number. The beneficiary can withdraw
from Awash ATM or Agent.

Partner Overview- you can view list of partners here.

Orders- you can perform the following activities.

Statuses- you can view status of executed transactions.

Device overview and management– This feature is used to track statuses of mobile device user
for internet banking (mob app).

Mobile Application (Mob App)

 Mobile Application (mob app) performs the same function to browser based system but it is
based on installed applications on your smart phone.

1.6 Organizational structure of awash bank

BRANCH MANAGER
BRANCH MANAGER

DCO BDM
CSM CHIEF CASHIER

ACCOUNTANT

CSO OR

Figure 1 organizational structure of awash bank

CHAPTER 2

2.1 ACTIVITY PREFORMED IN THE ORGANIZATION

First to know the meaning of Training .Training is an organized process of intervention to
improve current knowledge, abilities and skills of the workforce. Training involves a number of
stages. It involves Training Need Analysis [TNA], Designing of Training program,
Implementation of Training, and Evaluation of the Training. Training is the process of enhancing
the skills, capabilities and knowledge of employees for doing a particular job. Training process
molds the thinking of employees and leads to quality performance of employees. It is continuous
and never ending in nature.
The training had an orientation and I started the training on July 3/2015 EC at that time. At the
first day, my supervisor gave me orientation about that I was the first intern. Then my supervisor
shows me the following qualities in supporting me in order to make we well-trained the
professional.

My supervisor
 Make me intern feel welcomed.
 Plan ahead and prepare what he will teach me for the day.
 Have regular check-ins.
 He was totally willing to train and teach me
 Give quality feedback.
 inspire me
He likes to have fun he believed that an internship should be a fun learning experience. When
interns I am happy at work, overall performance truly improves.

Activities Performed in awash bank Form the first day that have started practical work on
Customer service department;

 I could understand how to deliver bank service to customers.

 I could understand the different type of communications in the organization at all.
 I have good communication with others at work place.
 To ask necessary data I could communicate with my manager from time to time

I know the responsibility of marketing manager

 Oversee all marketing manager campaigns for their company or department

 Implement strategy
 Promote a business, product, or service
 Ensure the company is communicating the right messaging to attract prospective
customers and retain existing ones

Having worked in awash bank for 45days , I was able to be exposed to practical
experience in the field for the first time. While doing so, I was confronted with many
Complexities that I had never seen before. However, in the latter half of my internship

Period, I could hardly feel the same. In fact I found myself enjoying the activities that I had to
perform, and furthermore I noticed myself developing new insights about the bank.
The analysis of the activities performed in various departments where I was engaged in are given
below:

2.1.1 ACTIVITIES PERFORMED IN CUSTOMER SERVICE DEPARTMENT

Customer service department (CSD) also known as the front desk helps is most important
department for every organization to develop the good impression to the customer.

Customer Service is the commitment to providing services to external and internal

customers, including providing information, technical support, and quality of services in a timely
manner. CSD of awash bank performs various tasks in day to day operation. The basic

Tasks of CSD are account opening, account closing, cheque issuing, bank statement issue, and
Balance certificate issue; provide information about bank product and services, and many More.

The following are the activities that I performed in CSD:

Account opening and closing

In order to open new accounts and close the existing account, I have to verify all the documents
and eligibility of the customers, and assist them to fill the forms for account opening and closing
process

Document Requirement to open an Account

Valid Identification Cards (IDs) acceptable to open an account

Figure 2 identification cards to open account

• Kebele ID. card
 • Farmers Association ID card

• TIN Card

• Employment and pension ID card

• School, College and University ID card

• Driving License

• Passports

• Work or resident permit

• Foreign nationals of Ethiopian origin identification card along with valid passport.

Document Required

Individual(s)

 One valid and renewed I.D. card.

 Two recent passport size photographs for savings account or we can use webcam
Individual trader (sole proprietorship)
• One valid and renewed I.D. card
• Renewed trade license
• Principal Registration certificate.
• One recent passport size photograph we can use webcam
• Tax Identification Number(TIN)

iii. Providing information about products to the customers

Responding to the queries, related to the products of the bank, of the customers
Was one of the major tasks I performed in the bank? During the period of the

Internship, I was able to successfully handle this demanding task.

iv. Making and receiving telephone calls

I had to make calls to the customers who were required to update their KYCs

(Know Your Customers), receive their Debit cards, and receive their enquiries.

v. Issuing of account statements and balance certificates

Many customers came to the bank to demand account statements and balance

Certificates. I hadto issue themto the customersand recordthem in their

Respective books for future reference

vi. Handling the queries of the customers

Queries from the customers regarding the products were quite frequent. I had to

Handle those queries. In the beginning, it was challenging for me, however it

Later turned out to be enjoyable for me.

vii. Filling the forms related to activating accounts and changing signatures

For those customers who were not able to fill the forms related to activating

Accounts and changing signatures, I helped them to do those tasks.

viii. Filing and documentation

There was a mountain of files which ware unmanaged when I got there. I along

With others interns filed and managed them properly with continuous effort

ix. Creating accounts for mobile banking and informing customers about the

Services
I was also allowed to sign up new mobile banking accounts and verify them as

Well. Furthermore, I had to teach the customers the facilities provided by the

Mobile banking services.

x. Record keeping I had to keep timely records transaction that happened in the bank with proper

Caution.

xi. Filling vouchers and Cheques on the behalf of customers

In the CSD, filling vouchers and Cheques on the behalf of customers was a

Major tasks I had to perform.

xii. Updating the KYC, and Customers' Databases

As required by the bank, KYC of the customers had to be updated periodically.

For that reason, I had to call individual customers and update their KYCs.

Furthermore, I had to update and record the customers' databases properly.

xiii. Scanning and Photocopying

I had to scan the documents of the account holders every time an account was

Opened. And I had photocopied various documents when required.

ATM SERVICE: awash bank provides visa for customers for easy with draw of money. Function
of offered ATM:

 Cash withdrawal

 Enquiry balance

 Pin change
During my attachment period I helped for the employees of the bank by registered the customers
that need ATM machine and also by call to the customers when ATM was come to the bank in
order to give the ATM to the customers I give training how to withdraw and check balance by
ATM machine.

Mobile Banking
Awash Mobile Wallet

Awash Mobile Wallet is a mobile banking services provided by Awash Bank. It is a very simple
and convenient to use mobile banking system. Holder of any mobile device can use the service
without internet connection but availability of a mobile network is required. It is cost free or the
user is not charged by telecom operator for using the services.
How to Register for Awash Mobile Wallet and Operate Account Using Mobile Device

Any person can register for Awash Mobile Wallet at:

1. Awash Bank Branches

2. Awash Bank Agents
3. You can deposit to your wallet account at any Awash Bank branch or Agent
4. You can save up to a maximum of ETB 25,000.00 in your wallet account
5. You can withdraw cash from your mobile wallet up to a maximum of ETB 6,000.00 in a
day or 24 hrs from Agents, ATM or even branch.

Logging into Awash Wallet

 Once registration is completed, SMS will be sent to the customer from Awash Bank SMS
gateway confirming registration and containing four digits initial PIN (Personal
Identification Number).

Dial *901# to begin

Enter your four digits PIN in the field to continue:

The system forces you to change your initial PIN by new one, and then enter a new PIN that you
can remember but similar number like 2222 are not allowed. You need to enter your new PIN
twice to confirm.
After changing your PIN, you need to log in with the new PIN. Then the system allows you to
the Mobile Wallet System,
2.2 Problem Solved

Occurrence of problems in every bank is inevitable. In performing day to day activities of

The organization, one needs to tackle with various problems and challenges. While dealing

With such problems, appropriate managerial skills need to be used to solve the problem in

The effective and efficient way. During the internship period, the following problems were

Solved.

Problems related customers' grievances.

Problems related to maintenance of the computer systems.

Problems related to filing a large amount of files

Problems related to searching files, documents, and information when needed.

Problems related to the lack of knowledge to use the system in the bank by the

Employees.

Problems related to dissemination of up-to-date information regarding interest

Rates and required documents to the customers.

Problems related to the mistakes made by the employees in record keeping and

Creating accounts in the system.

Problems related to the enquires of customers about mobile banking and other

Services.
 CHAPTER THREE

3.1 Lesson, Skill and Experience Gained

Skills that I have gained during the attachment some of them are

 Language skills;
Language is an integral component of communication and helps professionals interact
with colleagues, managers and clients effectively. In the attachment period I developed
my language skills by making daily practice with the customer of the bank. In the
attachment period I improved my communication skills in the work place and interaction
with customers. From language skills that I was developed is listening that was allowing
me to focus and understand better about my practice.
 Customer service skills;
Are the set of behaviors you rely on when interacting with a customer. By getting this
skills I improved my communication with the customer in a clear, easy to understand and
easy way to solve the problem. It enables me to understand and identify with the feelings
of others and communicate accordingly. It helps me to remain personable and provide
appositive experience.
 Advertising skills; I improved
- Team work as part of a team.
- Effective communication skills.
- The ability to actively listen.
- In marketing how to promote product or service. So having a good understanding
of different marketing techniques and strategies vital for any professional in the
advertisement banks.
Analytical skills; analytical skills are important in a job because they demonstrate
your ability and capacity to resolve problems quickly and efficiently. When I was
in the period of attachment I look at complex issues in depth. In this way I was
gained my analytical skills like.
- I identifying problem ,issue
- I collecting all relevant information
 - Focusing on the evidence
 Time management skills; managing your time effectively is an important
professional skills to develop. When I improved my time management skills it
helps me to complete my practical attachment on time. At the time of developed
my time management skills it enables me to become active in
 Goal setting
 Communication
 Planning
 Stress management
 I change my note taking
 Problem-solving

Tolerance and working to gather skill

In the organization we have to work in a group of people who are different from each
other in terms of culture, language, altitude, beliefs, ethics and their thinking pattern. Do
to those difference they have different behavior at work place. The most important things
observed ,understands others behavior culture, language , belief and their thinking pattern
are important things at work place which create a good team that work for achieving
goals of any organization the attachment that that I have worked for 45 days is teaches
the importance of tolerance and that work to gather
 Grammatical knowledge
 Computer skills
 Leadership skills
 Technical skills
 adaptability
 Observing
 Evidence collecting
 Training
 Influencing
 planning
 directing
  goal setting
 open-mindedness
 summarizing
 presenting
 flexibility
 predicting
 organizing
 Introducing
 Explaining
 Writing
 Speaking

3.2 lessons
 From the attachment program I gained the following lessons
 The role of the competition for survival and effectiveness of the bank.
 The importance of coordination of work force and various activities in the bank
for its smooth operation.
 The importance and role of banking in the development of the economy.
 Use of theoretical knowledge in to practical working environment.
 The importance of all the documents in the operation of accounts and supplying
credit facilities to the customers
 With quality services for the bank to prosper.
 Deposits Customer being the essential part of the success of the bank. They
should provide and loans are the major work of the bank and should be used
properly by the bank for higher returns.
 A staff with a better communication skill and inter-personal skill are crucial in
customer service officer in order to mention a healthy relationship with
customers.
 The importance of the time management and punctuality.
 The role of employee satisfaction along with the customer satisfaction for the
success of the ban.
 CHAPTER FOUR

4. Challenges encountered and solution made

4.1 Problems of department and suggested solution

The problems of the department and suggested solution are:

 Since it is poorly paid internship we were suffering lack of money.

 Lack of transportation
 There is inefficiency of some materials like chair, table and so on.
 Some workers have problems on their behavior and didn’t give proper service to
customer.
 Weak information exchange between department
 Low personal relationship between employees that leads to the delay of work
conflict between them
 Scarcity of material in the organization like computers, printers, fax, and other
materials used to perform activities.
 Low level time using
 Low level of motivation to do activities

Summer practical attachment report Suggested solution of the above problem is:

 To solve the problems of inefficiency of materials by asking additional budget for the
department and purchasing this materials and make available for the department
 Improving the way to exchange information between them
 Adopting the culture of tolerance and respect the organization
 Increasing salary to employees, adopting the principle of profit-sharing,
bonus payment, increasing the level of position
 Creating clear hierarchical authority for execution bodies giving emphasis for goals
 Avoiding any corruption in the organization below
4.2 Problems encountered on the job and remedial measures
There are some problems which affect me on my activities of 45 days. Some of these problems
are from the organization and some are from customers. As organization some the problems are
lack of seats, lack of user (access) for me and others are the problem of light and network those
hinder my activities to not serve customer properly. From customers some customers don’t care
about criteria’s to be fulfilled properly rather than looking only about the service.

- At the beginning time they didn’t give me full freedom to do activities independently.
- The transportation system is very crowded, because of this it is difficult to me reach work
place on time.
- Shortage of some extra or additional working materials like chair and computers for
trainers.
- Some employees are not interested for sharing their experience

- Some of them don’t sign on the ticket and some signature on the ticket and on the book are
different

- No correct order of sender name which is difficult to serve customer

- Some of them bring incorrect account which the system is not read

Remedial solution I have taken

- I was try to adapt new environment and working condition gradually by studding
behavior of department member and sharing experience among them.
- To solve transportation problem I try to wake up early
- The organization should have to buy additional materials like chair and computers that
help for training
- 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.
- By using the user of my friend I have done my activities with my friend
- I worked my works more time by standing for the lack of seat
- I have told to branch manager these problems to be minimized
 CHAPTER FIVE

CONCLUSION AND RECOMMENDATION

5.1 Conclusion
The attachment 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 practical attachment chance for their students. Rather they
focused on teaching theoretical part and that creates challenge

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
practical attachment was conducted and knowing challenges and problems of organizations may
develop problem solving skill of the students. Therefore, conducting practical attachment is
important for students, university, employers and for society generally

This practical attachment contains information; include Introduction, background of the

organization, main activities carried out during the attachment, lesson, skill, experience gained
during the attachment, organization’s structure, etc. It covers background of Awash Bank fitche
Branch. The office is standing to satisfy its customers, women empowerment and respecting
women and child right. I observed some issues like the professional status of the staff members,
punctuality of the staff members and gender in the organization.

Generally, I gained some experience due to this practical attachment such as how to work in
cooperation with other, etc. The main problem I found, society have low information about
banking system, negative attitude of society toward the term bank and department. Lack of
information and lack of enough time are other problems; however, I tried to do my best in order
to overcome or give related solution to those challenges.
5.2 RECOMMENDATION
While I doing my practical attachment, I observe some issue in lens of my eyes. Therefore, I
would like to suggest on some issues that I observed during accomplish my practical attachment
at Awash Bank of wombera branch. Based on the findings of the practical attachment, the
following are recommended for the concerned organs:-

Firstly, the Awash Bank should have to expand its branch around small town in order to service
competition from external or its competitor.

Secondly, 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. It is the development issues that recognize the
involvement (participation) of both man and women in development process.

However, the office is lag behind in order to promote growth which is the backbone of
development. This is due to lack of enough information in the organization which play a great
role in order to meet its objective. The organization needs to change this situation by looking for
bank expert which play a great role in order to promote banking system.

Finally, I would like to suggest to Awash Bank of wombera branch 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.

 Service excellence is useful for Awash Bank to compete with private banks. The bank
should expand modern banking service Specially E-banking service to its customer;
 Awash Bank should give due attention for research and development;
 Awash Bank should take action to mobilize and collect resources from growing
economy of the country;
 Awash bank should be employed more worker to give good service for their customer
  Like other private bank Awash Bank should pay better salary to its employee due to
employee satisfaction is one among the values of the bank; in addition to that better
salary may reduce skilled and experienced employee flow to private bank.

REFERENCE
Manager, digital officer customer service manager

Awash bank 2020, Addis Ababa

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