RIFT VALLEY UNIVERSITY

ADAMA MAIN CAMPUS

FACULTY OF BUSINESS AND SOCIAL SCIENCE

DEPARTMENT OF BUSINESS MANAGEMENT
PRACTICAL ATTACHMENT REPORT ON OROMIA BANK ,
MEKO BILI BRANCH

PREPARED BY:

MANDARINA ABDUL BASIX HUSSEN

ID NO 0496/19

SUPERVISOR

Mr. SEID (MBA)

SUBMITTED TO : Mr. SEID

SUBMISSION DATE; FEBURARY 19,2023

 ABSTRACT

The report provides an overview of the bank, including its history, objectives, mission, vision, and
goals. It also examines the different wings of the bank, its overall activities and its features and
functions. The report also covers my job details, observations, and learning during the internship,
as well as an in-depth analysis of the bank's credit approval and risk management procedures.
I hope that this report will provide valuable insights into Oromia Bank and the banking industry as
a whole.

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ACKNOWLEDGEMENT
I would like to express my sincere gratitude to Mr. Seid for their guidance and support throughout
my internship at Oromia Bank. I would also like to thank the management and staff of Oromia
Bank for their cooperation and assistance in providing me with the opportunity to gain valuable
experience in the banking industry.

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EXECUTIVE SUMMARY
This report provides an overview of Oromia Bank, including its history, objectives, mission, vision
during my internship. It also examines the different wings of the bank, its overall activities for the
years 2022 and 2023, and its features and functions. The report also covers the job details,
observations, and learning during the internship, as well as an in-depth analysis of the bank's credit
approval and risk management procedures. The report concludes with a SWOT analysis of the bank
and recommendations for future improvements.

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ACRONYMS
OB: OROMIA BANK

SWOT: Strength, Weakness, Opportunity, Threat

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Table of contents
ABSTRACT.........................................................................................................................................I
ACKNOWLEDGEMENT..................................................................................................................II
EXECUTIVE SUMMARY...............................................................................................................III
ACRONYMS....................................................................................................................................IV
CHAPTER ONE..................................................................................................................................1
1. Organizational Report..................................................................................................................1
1.1. Cardinal issues......................................................................................................................1
1.2. Organizational structure........................................................................................................2
1.3. The extent to which the organization is realizing its visions and missions and performance
of the organization in relation to its objectives................................................................................3
1.4. Strength, Weakness, Opportunity and Threat (SWOT) analysis of the organization...........3
1.5. Current Observed problems that affect Oromia Bank..........................................................4
1.6. Suggested solution (measure) taken to solve or to minimize the problems..........................5
CHAPTER TWO.................................................................................................................................6
2. Activity Report.............................................................................................................................6
2.1. Introduction...............................................................................................................................6
2.2. Objectives and major responsibility as well as activity of the Department..............................6
2.3. My responsibilities and major activities...................................................................................6
2.4. Evaluation of My performance.................................................................................................6
2.5. Problems encountered on the job and remedial measures I have taken The major problems
(challenge ) that I faced....................................................................................................................7
2.6. The Problem Division of The Departments And Suggested Solutions.....................................8
CHAPTER THREE.............................................................................................................................9
3. ATTACHMENT EVALUATION...............................................................................................9
3.1. Rationales of practical attachment............................................................................................9
3.2. Significance of practical attachment.........................................................................................9
3.3. Relevance of the organization and my activities......................................................................9
3.4. Applicability of the theories in the class and activities on real world or practical working
environment...................................................................................................................................10
3.5. Major problems that I faced during the attachment................................................................10

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 3.6. Suggestion solution.................................................................................................................10
CHAPTER FOUR.............................................................................................................................11
4. CONCLUSION AND RECOMMENDATION.........................................................................11
4.1. Summary and conclusion........................................................................................................11
4.2. Recommendation....................................................................................................................11
Reference.......................................................................................................................................13

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 CHAPTER ONE
1. Organizational Report
Oromia Bank S.C began operation on 25 October 2008 with a starting capital of 110
million birr (Br), surpassing the minimum capital requirement by 35 million Br. With its
headquarters located in front of Dembel City Centre, near Getu Commercial Center in its own 13
story building on Africa Avenue (Bole Road).

Established with the commercial banking business objectives, OIB is undertaking a universal
commercial banking services such as deposit mobilization, lending of money, remittance service,
and international banking services and interest free banking. The Bank has now launched
Electronic banking systems such as Card banking known as Oro-Card (ATM and POS), Mobile
Banking named as Oro-Cash, Agent Banking-Oro Agent and Internet banking namely Oro-Click.
The number of OIB branches have now reached 225 throughout Ethiopia all connected by core
banking system. The Bank is now one of the most influential and popular private banks in Ethiopia
and also known for pioneering Interest free banking services.

commercial banking service such as deposit mobilization, lending of money, remittance service,
and international banking services and interest free banking. Preparations are already underway to
start Internet and mobile banking services. The bank currently has 118 branches and purchased a 13
storey building in Addis Ababa at Bole area near the Getu Commercial Center. It has also exceeded
the new directive passed by NBE requiring a minimum capital of 500 million birr.

1.1. Cardinal issues

Objectives

Oromia Bank is committed to providing financial services that meet the needs of our clients and the
communities we serve. We will strive to develop innovative solutions and products, deliver
customer-driven services, operate with integrity and accountability, and support our growth
through continuous innovation, efficiency, and proactive management.
Mission Statement:
“We are committed in proving full-fledged and best quality commercial banking service within the
pertinent regulatory requirements with due diligence to sustainable business while empowering the
wising middle and discharging social responsibility by engaging highly qualified, skilled motivated
and disciplined employees and state of the art information technology, adding real value to the
share holders interest and with the public trust”.
Oromia Bank's mission is to provide our clients with access to secure, fair, and affordable financial
products and services. We are dedicated to providing customer-centered solutions and actively
engaging with local and global communities. We will strive to demonstrate leadership in corporate
governance and sustainability while creating value for our shareholders.

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Vision:
“To be the bank of your first choice”

At Oromia Bank, we are building a legacy of excellence, innovation, and financial inclusion. Our
vision is to become a world-class financial institution, creating a positive difference in the lives of
our customers and in the communities we serve. We aspire to be the go-to provider of secure,
reliable, and responsible financial services.
Goals:
Our goal at Oromia Bank meko billi branch is to become a leader in providing financial solutions
for our customers and our communities. We aim to provide access to high-quality customer service,
modern technology, and innovative products. We will also work to make our products and services
accessible to undeserved markets and communities. Lastly, we strive to become one of the most
trusted and respected financial institutions in the market.
Core Values

 Persistence, endurance and tenacity;

 The satisfaction of its highly esteemed customers;
 Transparency, integrity and confidentiality;
 The building up of a real team spirit; 
 The groom of potential successors from among its employees to all its jobs including the
managerial ones;;
 Total respect to its customers and employees; 
 Highly competent and motivated human resources, who are committed to upgrading their
skills by taking the types of training that the OIB gives to them;
 Making the OIB a perpetually learning and innovative organization;
 Encouraging a sense of belonging among all its employees; and The upholding of corporate
citizenship.

1.2. Organizational structure

The Oromia Bank has a well-defined organizational framework that facilitates the activities of the
bank. The organizational structure has departments and subsidiaries, and each department has a
team of professionals that are required for efficiently managing the operations of the bank. The top
management is divided into the executive board and board of directors. The executive board is
responsible for the overall functioning of the bank and making strategic decisions for the company.
The board of directors is responsible for formulating the policies and implementing the plans. The
other departments in the bank include the credit department, operations department, marketing
department, treasury department and the compliance department. Each department is headed by a
manager and has professionals with the appropriate skills and knowledge to fulfill the respective
tasks.

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1.3. The extent to which the organization is realizing its visions and missions
and performance of the organization in relation to its objectives
Oromia Bank Meko Bili branch was well organized to realize its cardinal issues. It improves
banking service from time to time and innovate new technology to give satisfaction for customer.
Workers of the organization are accountable to their customer and good information for all sector
of this branch to achieve its cardinal issues through giving the above service. Oromia Bank Meko
Bili branch appears to be well-organized and focused on realizing its visions and missions. This is
evidenced by its continuous efforts to improve its banking services and innovate new technologies
to give customer satisfaction.
To begin with, the bank has set clear visions and missions that guide its operations. These include
providing quality banking services to its customers, becoming a leading financial institution in the
country, and contributing to the development of the economy. The bank's commitment to these
objectives is reflected in its continuous efforts to improve its banking services. For instance, it has
invested in new technology that allows customers to access banking services conveniently and
efficiently. This includes mobile banking, internet banking, and ATMs, among others.
Additionally, the bank has a customer-centric approach that is aimed at providing personalized
banking services to its customers. This is evident in the way it trains its staff to be friendly,
courteous, and professional when dealing with customers. The bank also regularly seeks feedback
from customers to identify areas where it needs to improve its services.
Furthermore, the bank's performance in relation to its objectives is impressive. It has been able to
grow its customer base and increase its market share over the years. This is a clear indication that
its efforts to improve its banking services are bearing fruit. The bank has also been able to maintain
a strong financial position, which has enabled it to provide credit facilities to its customers and
contribute to the development of the economy.
In conclusion, Oromia Bank Meko Billi branch appears to be well-organized and focused on
realizing its visions and missions. Its efforts to improve its banking services and innovate new
technologies to give customer satisfaction have enabled it to grow its customer base, increase its
market share, and maintain a strong financial position.

1.4. Strength, Weakness, Opportunity and Threat (SWOT) analysis of the

organization
Oromia Bank is a leading commercial bank in Ethiopia that has successfully served its customers
with quality services by leveraging its existing strengths, minimizing weaknesses and making the
best use of opportunities. The following SWOT analysis highlights the key strengths, weaknesses,
opportunities and threats of the bank.
Strengths
• Highly experienced and professional management team
• Extensive network throughout the country
• Wide range of services and products

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• Superior customer service
• High customer satisfaction
Weaknesses
• Limited presence in the international market
• Lack of proper risk management
• Lack of investment in technology
• Dependence on traditional methods of operation
Opportunities
• Expansion in the international market
• Investment in technology
• Strategic partnerships with other organizations
• Increasing customer base
Threats
• Increasing competition
• Regulatory uncertainties
• Economic downturns

1.5. Current Observed problems that affect Oromia Bank

I can provide some common problems that may affect any bank branch in Oromia region or
elsewhere. These include:
1. Security concerns: Banks are always at risk of being robbed or targeted by fraudsters. In some
cases, employees may also be involved in such activities. Therefore, ensuring security measures are
in place is crucial.
2. Technological issues: With the increasing use of technology in banking operations, any technical
malfunction could result in loss of data or interruption of services. This could lead to inconvenience
and loss of trust from customers.
3. Poor customer service: Poor customer service could lead to dissatisfaction among customers,
who may choose to take their business elsewhere. This could ultimately affect the bank's reputation
and revenue.

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4. Lack of transparency: Banks need to ensure transparency in their operations, especially in
regards to fees, charges, and interest rates. Failure to do so could lead to mistrust and customers
leaving the bank.
5. Lack of liquidity: Banks need to ensure that they have enough liquidity to meet customer
demands. Failure to do so could lead to delayed transactions or even bankruptcy.
It is important to note that these problems are not specific to the Oromia Bank Meko Billi branch
but are general problems that can affect any bank branch in the region or elsewhere. To address
these problems, banks need to be proactive in their approach and ensure that they have robust
measures in place to mitigate these risks.
 lack of organized and return document in the organization
 Lack of superior service quality
 High competition from aggressive expansion of private financial institution
 Wastage of resource like use telephone line for personal call repeatedly
 Inefficiency of office materials like computers ,furniture and others when compared to the
number of customers
 File management and documentation improperly among some workers.
 Inappropriate work load on some employees during lunch time due to insufficient management
of employee work.

1.6. Suggested solution (measure) taken to solve or to minimize the problems

The possible solution that I suggested for such problems are as follow:
 It should full fill all the necessary materials which are technologically improved to facilitate its
service
 The organization should have provide a quality service for its customer to being a good
competitor in the market
 The organization appraisal system should be based on efficiency and effectiveness that means
resource consumption way should be wise and manageable.
 To solve the problem a lack of data about historical back ground of the organization, I gather
some information from head office and try to document with the help of my supervisor.
 For the problem regarding employees and their work, I suggest that, there should be one sector
that manages employees and their work in this organization.
 The bank should have be give periodic training to its workers to increase their efficiency for
their responsibilities.
 The employee of the bank should have be work hard for attaining the organization vision and
the like.

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 CHAPTER TWO

2. Activity Report
2.1. Introduction
In this chapter I discussed different activities of the bank in different departments of this branch.
Next I also discussed my responsibility during this few days of the year.

2.2. Objectives and major responsibility as well as activity of the Department

2.2.1. The main objective of the bank
 To realize the need of Oromia Bank, its mission, vision and values through enhanced
financial inter-mediation globally.
 Supporting national development priority by deploying highly motivated, skilled and
disciplined employees.
 Introducing modern art of technology.
2.2.2. Major Responsibilities and activities of the bank
 To satisfy its customers through rendering quality service
 Giving fast service by supporting latest technology like T-24, software, E-Payment, visa card,
ATM, Mobile banking, Internet banking.
 It also serve by introducing a new services like woman saving ,teenager saving, youth saving,
educational saving and interest free saving.
 Generally, teaching the society deeply about saving culture, how they changes and improving
the living standard.

2.3. My responsibilities and major activities

I have had some responsibilities and activities in organization during my practical
attachment.
 Present on the time or punctuality is my aforementioned responsibility.
 Working what manager ordered me.
 I check the name, date and signature of the customer to be filled properly.
 I create customer channel in order to open account for customers by supporting employees.
 I gave different service for department and customer
 Protecting the office resource from damage
 Observing and attending working activities
 Analyzing customer satisfaction from service they got
 Organizing report of what I observed from daily activities in the branch.
 Asking on working activities and any other information about organization questioned to
me.
 Considering what I have learned in the class with related to practical activities.

2.4. Evaluation of My performance

I have performed my activities in the organization with full communication with manager and all
staff employees. I try to work major activities of work in organization like: how to deposit money,
how to withdraw money, how to transfer money, how to check balance of my operation, how to
control finance in the bank, how to audit etc.

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I can provide you with a general framework for evaluating an intern's performance in a business
management setting.
1. Professionalism: One of the key aspects of evaluating an intern's performance is their level of
professionalism. This includes factors such as punctuality, dress code, attitude, and communication
skills. Did you arrive on time, dress appropriately for the workplace, maintain a positive attitude,
and communicate effectively with your colleagues and superiors?
2. Work Quality: Another important factor is the quality of the work you produced during your
internship. Did you complete tasks accurately and efficiently? Did you demonstrate a strong
understanding of business management principles and apply them effectively in your work? Did
you take initiative and go beyond the assigned tasks to add value to the organization?
3. Learning: An internship is a learning experience, so it's important to evaluate your ability to
learn and grow during your time at Oromia Bank. Did you ask questions and seek feedback to
improve your performance? Did you take advantage of training opportunities and use them to
enhance your skills? Did you demonstrate a willingness to learn from your mistakes?
4. Teamwork: In a business management setting, teamwork is essential. It's important to evaluate
your ability to work collaboratively with colleagues and contribute to the success of the team. Did
you communicate effectively with your team members? Did you respect and value the
contributions of others? Did you demonstrate a willingness to help out when needed and take on
additional responsibilities when appropriate?
5. Initiative: Finally, it's important to evaluate your ability to take initiative and be proactive in your
work. Did you identify opportunities to improve processes or procedures and take action to
implement changes? Did you suggest new ideas or solutions to problems? Did you demonstrate a
strong work ethic and a desire to succeed?
Overall, your performance as a business management intern at Oromia Bank will depend on a
combination of these factors. By evaluating your performance in each of these areas, you can
identify your strengths and areas for improvement and take steps to enhance your skills and
knowledge.

2.5. Problems encountered on the job and remedial measures I have taken The
major problems (challenge ) that I faced
The staff members are so busy so that they don’t give me enough priority in the first week and not
give all responsibility to me confidently. The other problem was I have not got a chance of doing
the activities of the department individually.
This has its own effect on checking my effectiveness for the work. Due to this reason I work with
senior officer and assistant manager to share experience and to check my effectiveness..

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2.6. The Problem Division of The Departments And Suggested Solutions
 The major problems of the organization are the following:
 There is a big internet connection problem or network problem, especially in the first two
weeks I started my practical attachment.
 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.
 Suggested solutions for the above problems:
 Asking concerned body to get enough networks that help to provide proper service for
customer.
 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.
 Some misbehavior that disturb working condition and improperly, must be punished according
to rules and regulation of the organization.

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 CHAPTER THREE

3. ATTACHMENT EVALUATION
3.1. Rationales of practical attachment
This practical attachment is very help full for student in order to make well minded in any Work
that done in any governmental and non-governmental organization.
This Attachment is guideline which helps the students to know and understand the theory with a
Little effort and improve their abilities.
This practical attachment also has a great advantage for the students and the major rational of this
practical attachment was that to know the theoretically learned course & gained Knowledge are
applied & implemented in real world environment and to improve education through practical
work.

Another rationale of this practical attachment is supporting students to know the working
environment, how to work & gaining experience from the peoples in the work environment and
increase networking in order to reduce unemployment.

3.2. Significance of practical attachment

This practical attachment has a great significance for students.
Some of them are discussed below:
 It helps the students to understand how works are implemented practically.
 It helps the students how learned theories are applied in the working environment.
 It helps the students to apply their skill & knowledge on the job what they have gained from
learned theoretically in the class.
 It helps the students to have experience & to know work ethics.
 It helps lecturers to identify their students’ ability in practical working environment.
 To develop network between students and working environment.
 To develop opportunity of work.
 To encourage and develop student confidence in work area.

Generally ,this practical attachment when I participate and work through my location has too much
significance.

3.3. Relevance of the organization and my activities

The organization in which I do my practical attachment Oromia Bank Meko Bili branch is relevant
for my field of study.
Because, some courses I learned in the class were related to what I worked in the organization.
For instance, I obtain the knowledge about principle of accounting starting from source document
up to preparation of financial statement. The organization evaluates my performance that helps me
to be a self-confident employee in the future.

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3.4. Applicability of the theories in the class and activities on real world or
practical working environment

The theories discussed in class are extremely applicable to the working environment at Oromia
Bank. Learning these theories can help you develop a better understanding of the bank's business
operations, customer service procedures, and overall financial management. With this knowledge,
you can more efficiently complete tasks during the internship and gain valuable insights into the
inner workings of the bank. You may also be able to apply the theories to the management of your
own finances, giving you the confidence to make informed decisions.
The application of theories in practical work environment is very low. There is a big difference on
theories and practical work environment. On my attachment, I faced differences between theories
that what I have learned in class and practice that I have done.
Where is the money created? Where is it going? Who does it? This book is about the biggest scam
in plain sight in history«. This is how you read the description of G. Edward Griffin's book
entitled the creature from Jekyll Island, and since its publication it has been one of the best-selling
books that explicitly talks about the power behind the Federal Reserve.

According to the theories, the Rothschilds are the ones that control most of the banks of the world.
They are also at the forefront of what is called an international Zionist conspiracy, focused entirely
on imposing what is known as the New World Order. Their power goes even beyond the banks,
even having entire governments working for them (like that of the United Kingdom) thanks to
gigantic loans.

3.5. Major problems that I faced during the attachment

 It takes too much time to adopt the organization environment, rules and regulation.
 Supervisor is very busy so that he cannot give full orientation to me about the activity that i
have going to perform completely.
 Finally, the network break up is the main problem that obstacle to me on this attachment.
3.6. Suggestion solution
To solve those problems I have tried to create good relationship with staff members, then they try
to give me useful information and everything that I wanted and they support me to solve the stated
problem.

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 CHAPTER FOUR
4. CONCLUSION AND RECOMMENDATION
4.1. Summary and conclusion
The internship experience at Oromia Bank Meko Billi branch has been a rewarding one. I was able
to develop insights into the functioning of a commercial bank and also gain knowledge about credit
approval, risk management and documentation. The bank has a good management system and
provides its customers with good quality services. The SWOT analysis highlights the strengths,
weaknesses, opportunities and threats of the bank.
This practical attachment was conducted at Oromia Bank Meko Bili branch. Generally the main
objective of this practical training was to determine how the theoretically learned courses are
applied in the real world and I able to know to what extent theories are implemented in this bank.
I practice my full time in this branch. The report includes historical background of the organization,
Structure and its present existence including its present performance, its objectives, mission, Vision
and values.

The explanation for attachment evaluation part is given in brief way which includes rationales of
practical attachment, significance and applicability of the theories and others in class on the
Practical work environment. Practical attachment is also important for the student because, it
Improve our awareness about practical working environment: reduce the problems after Graduation
increases our future working interest.

4.2. Recommendation
4.2.1. Recommendation for university
 I recommend that universities should create favorable practical program for students that may
result in development of practical performance for future career.
 University should follow their students in everywhere they do this practical attachment,
because there are many students that may never do their practice appropriately.

4.2.2. Recommendation for Organization

Based on the findings, the following are the recommendations for Oromia Bank.
 Invest in technology – The bank should invest in the latest technological solutions to improve
its services. This will enable the bank to better serve its customers and remain competitive in
the market.
 Expand into new markets – Oromia Bank should expand into international markets to increase
its customer base.
 Increase focus on risk management – The bank should invest in training to increase its
knowledge and expertise in risk management.
 • Form strategic partnerships – The bank should form strategic partnerships with other
organizations to increase its reach and customer base.

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 New employees should have hired to reduce the load of work in the organization.
 The organization should have created awareness inside the society to increase customer’s
number and to develop the habit of saving of the society.
 It’s better if the government buys service car for the bureau of each and every branch of AB.
 It must have improved its customer handling system more than what competitors do to get the
highest public trust.
 To attract more qualified workers the appraisal system should be based on Standard & the
employee performance

To conclude, Oromia Bank is a customer-centrism bank in Ethiopia providing its customers with
quality services. The bank has an extensive network throughout Ethiopia with more than 120 local
branches and seven departments in the capital city of Addis Ababa. The internship has been a great
learning experience and has enabled me to gain knowledge about various aspects of the banking
industry.

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Reference
 www Oromia bank.com
 From written document in the bank
 From employee of the bank
 From Manager and vice manager
 From some customer’s of the organization
 From the Staff member generally
 The reference for Oromia bank is: Einarsdottir, M., Faix, F., & Friberg, D. C. (2017). The
Oromia bank: Expansion and development beyond borders. Corporate Governance: An
International Review, 25(4), 298-31

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