I

NDUSTRI
ALPRACTI
CEREPORT

PROCESSOFCUSTOMER&TRANSACTI
ONS

NAME I
DNo
1.
Brukt
awi
tAbr
ham AD-
02-
8733/
16

2.
Sel
amawi
tLema AD/
02/
9190/
16

3.
chal
iBey
ene

SUBMITTEDTO:Duresa
HOSTI
NG. C:
OROMIABANK, CHELELEQABRANCH
DURATION:f
eb9,
2024-mar
24,2024

SUBMI
SSI
ON:
mar
14,
2024

1
 Decl
arat
ion
Weher ebydecl
arethatt
hisrepor
tenti
tl
ed―Compar ati
veTr
ainingatOr omia
Bank,hasbeencarri
edoutbyourundert hesuperv
isionofMr .Duresa.The
repor
tisorigi
nalandhasnotbeensubmi t
tedfortheCompar ati
veTr aini
ng
repor
ttoanyuniver
sit
yorinst
it
uti
ons.

Name Dat
e Si
gnat
ure

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2
 ACKNOWLEDGEMENT
Thisr eportismadepossi blebyagr eatdealofsuppor tf rom anumberof
peoplewhohav ebeenki ndenought ost andbesi deoureverystepoft heway
throughourst ayint hepr acti
ce.Firstofal l
,wewoul dliket oexpressour
sinceregrati
tudetoAdmasUni versi
tyf orprovidi
nguswitht hisopport
unity,
in
additi
ont othequali
tyteaching,andf orhelpingustodot heinternshi
p.Thanks
toGod‘ senormouswi l
landsuppor t
.

3
 EXECUTI
VESUMMARY
Wear eperformthecooper ati
vetr
aini
ngatOromi abanks.
cforfortyfivedaysf rom _ __
____
______
to___
_ _
______G.C
ont heTopi c______
_ _____and_ _____
__byv ir
tueoft he
coll
egepr oceduralgui del
inemanualand or ganizat
ional
vol
untary ethi
cs whi ch includes saf
ety ofwor k area,
customerbusi ness/accountsecur it
y,IT data securit
y,
for
mal workareacommuni cati
onetc.

4
 TABLEOFCONTENT
1.
INTRODUCTION..
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.6
1.
1BANKI
NGI NDUSTRYI NETHI OPIA...
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6
1.1.
1WHATI SBANK...
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7

1.
2ABOUTOROMIABANK.
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9
1.
2.1HI
STORYOFOROMIABANK. ..
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9

1.
3SERVI
CESPROVI DEDBYOROMI A
BANK..
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10

2.
VISI
ON..
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.14
2.
1MISSI
ON. ..
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.14
2.
2COREVALUES. ..
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3.
OBJECTI
VE.
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.15

4.
THEORY.
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16

CONCLUSI
ON.
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18

RECOMMENDATI
ON.
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.18

5
 1.I
ntr
oduct
ion

1.
1Banki
ngI
ndust
ryi
nEt
hiopi
a
Moder
nbanki
ngi
nst
it
uti
oni
nEt
hiopi
awasf
ir
sti
ntr
oducedbyt
her
eignof
Emper
orMenel
i
kIIi
n 1905,wher
ethe BankofAby
ssi
nia was f
ormed by
concessi
onbet
weenBr
it
ishr
epr
esent
ati
vesoft
heNat
ionalBankofEgy
pt.Si
nce
i
tsf
ormalest
abl
i
shmenton16Febr
uar
y1906,i
twasundert
hemanagement
ofNat
ionalBankofEgy
pti
naccor
danceofconcessi
onagr
eedupon. I
n
1963,anewbanki
ngl
awal
l
owsspl
i
tint
otheNat
ionalandCommer
cialBankof
Et
hi a.
opi

Thel
awi
ncl
udedot
hercommer
cialbankst
ooper
ate;i
ncl
udi
ngf
orei
gnbanks
oper
ated51% ownedbyEt
hiopi
ans.Thebi
ggestoft
hesewast
heAddi
s
AbabaBank,ownedby40%ownedbyBr
it
ishownedGr
indl
aysBank,andhad
26br
anchesby1975.Ther
ewer
eal
sot
wocommer
cialbanks:t
heBancodi
d
Romaandt
heBancodi
dNapol
i
,whi
chhadei
ghtbr
anchesandonebr
anch
r
espect
ivel
yin1975.

Besi
descommer
cialbanks,t
he gov
ernmentest
abl
i
shed a dev
elopment
al
bank whi
ch was owned 100% byt
he gov
ernment
.The Agr
icul
tur
aland
I
ndust
ri
alDev
elopmentBank(
AIDB)wasf
ormedi
n1970,t
aki
ngov
ert
wo
ear
li
erdev
elopmentbanks:t
heDevel
opmentBankofEt
hi aa
opi ndt
heEt
hiopi
an
I
nvest
mentCor
por
ati
onwhi
chwasest
abl
i
shedi
n1963ast
heI
nvest
ment
Bank ofEt
hiopi
a.AADB was a gov
ernmentowned bank pr
ovi
ding bot
h
medi
um-andl
ongt
erml
oanst
oagr
icul
tur
alandi
ndust
ri
alsect
ors.
[
5][
6]
The
Housi
ngandSav
ingsBankwascr
eat
edi
n1975outofmer
gerbet
weent
wo
ear
li
erhousi
ngf
inancei
nst
it
uti
onscr
eat
edi
n1962and1965,oneoft
hem
gr
ant
edf
rom t
heUni
tedSt
atesgov
ernment
.

6
 1.
1WHATI
SBANK?
Abank:
isaf
inanci
ali
nst
it
uti
ont
hataccept
sdeposi
ts
fr
om thepublicandcr eatescr edi
t,l
endingacti
vit
ies,and
banki
ngservices,suchasl oans,mor t
gages,andinvestment
.
Banksalsofacil
it
atethet ransferoffundsbetween
i
ndivi
dualsandbusi nessest hroughser v
icesli
kechecking
account
s,savingsaccount s, andelectr
onictr
ansactions.

BANKREQUI
RMENTS
Toestabl
ishabankinEthi
opi
a,y
ouneedtocomplywi
tht
he
r
egul
ati
onssetbyt heNat
ional
BankofEt
hiopi
a(NBE)
.Her
eare
t
hegeneralr
equir
ements:

Legal
Framewor
k:Ensurecompl
i
ancewi
tht
he
Banki
ngBusinessPr
ocl
amat
ionandot
herr
elev
antl
awsand
regul
ati
ons.

I
ncor
por
ati
on:Regi
stert
hebankasal
egal
ent
it
yin
Et
hiopi
a.

Mi
nimum Capi
tal
Requi
rement
:Meett
he
mini
mum capi
tal
requi
rementsetbyt
heNBE.Thisamount
canvar
ydependi
ngont het
ypeandcategor
yoft
hebank.

Fi
tandPr
operCr
it
eri
a:Ensurethatthedi
rect
ors,
executi
ves,
andmaj orshar
eholdersmeetthefitandproper
cri
ter
iasetbytheNBE.Thisincludeshavi
ngagood
reput
ati
on,fi
nanci
alint
egri
ty,andrelev
antexperi
ence.

Busi
nessPl
an:Submi
tacompr
ehensi
vebusi
nesspl
an
outl
i
ningthebank'
sobj
ect
ives,
str
ategi
es,
andf
inanci
al
proj
ecti
ons.

7
Phy
sical
Presence:Establ
i
shphy
sical
branchesor
of
fi
ceswi
thi
nEt
hiopi
aasr
equi
redbyt
heNBE.

Ri
skManagement
:Dev
elopandi
mpl
ementr
obust
ri
skmanagementpoli
ciesandprocedur
estoensur
ethe
safet
yandsoundnessofthebank'
soperat
ions.

Compl
i
ance:Adheretoanti
-moneyl
aunder
ing(
AML)
andknowyourcustomer(
KYC)regul
ati
onsaswel
lasot
her
compli
ancer
equir
ementssetbytheNBE.

Appr
oval
:Obt
ainappr
oval
from t
heNBEbef
ore
commenci ngoperat
ions.Thismayinv
olveathoroughr
evi
ew
processofthebank'
sappl i
cati
onandsuppor
tingdocument
s.

Cont
inuedCompl
i
ance:
Onceoper
ati
onal
,ensur
e
ongoingcompli
ancewi
thNBEr
egul
ati
onsandr
epor
ti
ng
requi
rements.

8
 1.
2AboutOr
omi
aBank
Or
omi
aBanki
soneoft
hecommer
cial
pri
vat
eBankswi
thy
ear
sof
exper
iencei
nEthi
opi
a.Or
omi
ahasawel
l
-bui
l
tpr
ofessi
onal
prof
il
eand
recor
dsshowing.

TheBankhasami
ssi
onofbecomi
ngt
hebestf
ull
y-
fl
edgedcommer
cial
bankingserv
iceprovi
derbygiv
ingthebest,
dedicat
ed,andsustai
nabl
eserv
ice
toitscust
omersthroughit
svaluabl
eandhighlyquali
fi
edemployeesandf
ulfi
l
l
socialr
esponsi
bil
i
ty.OromiaBankbrancheshavereachedmorethan500
acrossthecount
ry wi t
h 5.4paidupcapital
.

1.
2.1Hi
stor
yofOr
omi
aBank
Oromi
aBankSC(
OB)f
ormer
lyknownasOr
omi
aInt
ernat
ional
Bank(
OIB)was
est
abli
shedont he18thofSeptember,2008accor
dingtothe1960
commer ci
alcodeofEthi
opia,
therequir
edBankingProcl
amationnumber94
of1994,andtheli
censeandsupervi
sionprocl
amationnumber592of2008.

Oromi
aBankhasbeguni
tsoper
ati
onsamont
haf
teri
tsf
oundat
ionont
he
25thofOctober
,2008.Openi
ngit
sfir
stbranchi
nAddisAbaba,
Bol
ear
ea,
OIB
star
tedwit
haninit
ialaut
hori
zedcapi
tal
of1.5Bil
li
onBir
r.

TheBankhasl
edi
tsoper
ati
onundert
henameofOr
omi
aInt
ernat
ional
Bank(
OBI)for13year
s(f
rom 2008t
o2021)andmadeanamendmentt
oit
s
companylogoandnamein2022.

9
 1.
3Ser
vicespr
ovi
dedbyOr
omi
aBank
Or
omi
aBankSav
ingAccount
s
1.Or
oSav
ing
Aninter
est-beari
ngaccountr
ender
edforever
-el
igi
blephysi
cal
andlegalpersonsincl
udi
ngorgani
zat
ionsandassociat
ions
etc.

2.Or
oSav
ingPl
us

Asavi
ngaccountf
orcr
edi
tschemepr
ovi
dedf
orI
ndi
vi
dual
s/
employeesofacompanywhowoul dli
ketoputsav ingsand
accessaHouseorcarloanser
vicetar
getsindiv
iduals
part
icul
arl
yemploy
eeswheretheysaveacer t
ainamountof
moneyt ogetal
oanforthepur
chaseofav ehicl
eand/ ora
housei.
e.iti
sasavi
ngaccountthatat
tachesloanpr i
vil
ege.

3.Or
oInt
erestPl
us(
Speci
alSav
ingaccount
)

Oromi
aBankgi
vesahi
ghandat
tract
ivesav
ingsi
nter
estr
ate
comparedtothenor
mal sav
ingsaccounts,
cust
omer
soft
he
accountwoul
dbeselect
edfrom t
hegr oup

4.Fi
xedt
ime(
speci
alsav
ingAccount
)

Cust
omer
swhowoul
dli
ket
ogetl
ong-
ter
m sav
ingsser
vices
canchoosethisaccounttype,cust
omer swoul
dhav eaone-
ti
mef i
xedagreementwi t
hOr omiaBankandmaket heir
deposi
ttotheinvestmentBankandagr eetopossession
mini
mum of90day softhei
raccountfortheagreeableamount
ofti
meandgetbenef i
tfr
om thehigh-
inter
estr
ate.

10
Or
omi
aBankSpeci
alAccount
s
Handur
achi
l
dren’
s

Provi
dedforparent
s/l
egalguar
dianst
omakeasavings
deposi
tforthei
runder
-agedchi
ldren(
under18y
ear
s)

Handur
asav
ingi
sav
ail
abl
eundert
wocat
egor
ies

Handur
a(0-
10year
s)
Handur
a(11to18year
s)

Si
nqeWomen’
s

Provi
dedtoenhancewomensav
inghabi
tswi
thspeci
al
account
sandsav i
ngi
nter
est

Hay
uEducat
ion

Savi
ngaccountf
orter
ti
aryl
evelst
udentswhor
eceive
educat
ionmoneyfr
om thei
rpar
ents/
legal
guar
dians/
rel
ati
ves

Or
oRet
ir
ement

Asavingaccountprovi
dedbyelderstheageof60andabove,
thi
saccountisprov
idedtosupportandrewardel
der
sforthei
r
pathofli
fe.

Or
omi
aBankDi
aspor
aAccount
Diasporabankingserv
icei
sprovi
dedbyOromiaBankt
o
supportcustomers’dr
eam achi
evementi
nthei
rhomel
and

Or
omi
aBankdi
aspor
abanki
ngi
s:-

 Di
asporaCurr
entAccount
 Fi
xedorTimeDepositAccount
 Non-
repat
ri
ableBi
rrAccount

Whoi
sel
i
gibl
eforOr
omi
aBankDi
aspor
aBanki
ngser
vice:
-

 Ci
ti
zensliv
ingorworki
ngint
hecountry
 Nonr
esidentFor
eigner
sfr
om theEt
hiopi
anr
egi
on

11
 Ty
pesofDi
aspor
aAccount
s
 Di
asporaCurr
entAccount
 Fi
xedorTimeDepositAccount
 Non-
repat
ri
ableBi
rrAccount

Requir
ement
stoaccessOr
omi
aBankDi
aspor
aBanki
ng
ser
vice
 Renewedpasspor t
/ident
if
icat
ioncard
 Leav i
nglicense
 Proper l
yfil
edandsignedapplicat
ionform
 Cer t
if
icati
onofowner shi
p/moment um ofassoci
ati
on
 Mi ni
mum deposi tof100USD/ 5000USDf orfi
xed-
ti
me
accounttype

OromiaBankgi vesall
owancet olegallyr
epresentedAuthori
ty
toopenaccount sonbehal foft
hecust omerandcust omers
arebeneficialf
rom theaccountandmakei nternati
onaland
domest i
cpay ment s/
transacti
ons,withdrawcashf ort
ravel
purposes,makeanexchangeoft heirdepositt
obi r
ratthe
exchanger ateofthetimeofwi thdrawal.

Oromi
aBankprovi
desthi
sser
vicewi
thcur
renci
esofUSD,
EURO,andPoundst
erl
i
ng.

Checki
ngBusi
nessAccount
1.Or
oCur
rent:
-cust
omer
scanpr
ocesst
ransact
ionsand
Banki
ngroutinesbyr
epresent
ingal
egalthi
rdpar
ti
esthroug
theBankbranchesorthr
oughtheonl
inebanki
ngserv
ices.

2.Sal
arySol
uti
on:
-desi
gnedf
orsal
ari
edi
ndi
vi
dual
sandf
or
compani
est
opr
ocessempl
oyeepay
ment
sthr
ought
heban

3.I
nvest
mentSol
uti
on:
-desi
gnedf
ori
ndi
vi
dual
s/or
gani
zat
io
wi
thregulari
ncomeandinter
estt
osaveafixedamountpe
monthforafixedper
iodofti
meandbenef
itfrom hi
gher
i
nter
estrate.

12
4.Pr
ovi
dentFund:
-speci
aldeposi
tti
mewi
thaspeci
albenef
i
f
oror
ganizati
onsandt
hreeempl
oyeesi
ncl
udi
nganaccess
l
oanf
acil
i
t i
es.

Or
omi
aBankLoanandAdv
ances
1,
Per
sonal
loan

Apersonal
loanispr ovi
dedforcustomerst ouseforfinanci
al
emer
gencyneedsl i
kemedi calinci
dents,
travelf
inances,or
anyf
inanci
all
iabil
i
ties.Thebankpr ovi
desupt o500,000ETB
l
oanamountwi th5y earsofrepaymentseason.

2,
Busi
nessLoan

BusinessLoani sashort-
ter
ml i
mitedcreditl
oanservi
ce
provi
dedf orcustomerswhoneedBusi ness/proj
ectf
inanci
ng.
Theagr eementwi t
hthecustomercanber ev
iewedand
renewedonanannual baseaccordi
ngtot hecustomer’
s
accountstatus.

3,
Vehi
cle/
Aut
oLoan

AutoLoanisprov
idedtofi
nanceacust
omer’
spurchaseofa
usedand/ornewcarfornon-
commerci
alpur
poses.

Theloanhasa70-80%amountcoveragebasedonthe
vehi
cle’
scondi
ti
onwitha5-
8yearsrepaymentper
iod.

4,
Diaspor
aMor
tgagel
oan

Thisservi
ceisprovi
dedf
ortheDiasporacustomer,
in
defi
nit
ionnonresi
dentCi
ti
zensand/ornonresi
dentfor
eigner
s
ofEthi
opianOrigi
nwitht
hepurposeofbuildi
ng/pur
chasinga
resi
denthouse

Or
omi
aBankI
nter
est
-Fr
eeBanki
ng

OromiaBankpr ov i
desI nt
erest
-f
reeBanki ngfoll
owingallt
he
Shari
alawandr egulat
ions.Customer saretobet r
eatedand
provi
dedservicesasequal lyastheinterestbeari
ngcustomers.
I
FBW ( Wadi’
ah)ispr ovi
dedonawi ndowl evelofever
ybranch,
whatmakest hisser vi
ceagoodchoi ceisthatther
eisanIFB
foreveryI
nter
estbear ingservi
ce.

13
 2.VI
SSI
ON
Thev
isi
onofOr
omi
aBankS.
Cis“ToBecomeTheBankofYourFi
rstChoi
ce”
Weseektoestabl
i
shourselvesasa“ BankofYourFir
stChoice”Toreal
izet
hisv
isi
on, we
mustshi
ftourmindsetfr
om “ whatwesell”t
o“ whyitmatters.
”Thisdemandsthatwe
f
ocusourbrandoncredi
bil
i
ty,andmostimportant
ly,
rel
evance.Atourbankwestr
iveto:

SERVE t
heexper
ienceofourcust
omer
sthr
ough bestqual
i
tycommer
cialbanki
ng
ser
vicescoupl
edwi
thconv
eni
ence,
simpl
i
cit
yandt
ranspar
ency
.

EMPOWER t
he mi
ssi
ng mi
ddl
eto maxi
mize t
hei
rbenef
it
s and i
t’
svi
talf
ort
he
bet
termentofsoci
ety.Weupholdcorpor
ateci
ti
zenshi
pbyengagi
nghi
ghl
yqual
i
fied,
ski
l
led,
motiv
atedanddi
sci
pli
nedempl
oyees.

I
NSPI
REpeopl
etogr
owwi
thgr
eat
erconf
idence,
per
sist
ence,
endur
anceandt
enaci
ty.

2.
1Mi
ssi
on
Wear ecommi tt
edinpr ovi
dingfull-
fl
edgedandbestqual i
tycommer cial
bankingservi
ceswithintheperti
nentregulat
oryr equirementwi thdue
dili
gencetosustai
nablebusinesswhi l
eempower ingt hemi ssingmi ddleand
dischargi
ngsocialr
esponsibil
it
ybyengagi nghighl yqualifi
ed, ski
ll
ed,
mot i
vatedanddisci
pli
nedempl oy eesandstate-
of -the-artinformation
technology,
addi
ngr ealval
uet otheshareholders’interestandwi nthepubli
c
trust.

14
 2.
2 Cor
eVal
ues

Corporatev aluesofOI Brefl

ectst hedeepl ypursued
phil
osophyofoper ationalexcell
ence, bel
ieves, gr
oundof
ty
picalspar kli
ngcul tureofident i
tyforreputationthrough
whichthebanki swel lknownbyot hers.TheBanki s
commi ttedt othef oll
owi ngvaluesi nconduct i
ngi t
sday -
to-
daybusi ness.
CoreVal ues
Webel i
ev ethatbyl i
vingourv alues,we’llachieveabalance
ofsize,success,andst abil
it
ywhi leempower ingev ery
i
ndivi
dual ,organization,andcommuni tywet ouch.

3.
OBJECTI
VE
Theobject
iveoftheprojectfort
hePracti
ceCent
eratOromi
aBank
fr
om AdmasUni versi
tycouldvarydependi
ngonspeci
fi
cgoal
s,but
gener
all
y,i
tcouldincl
ude:

 Pr
ovi
dingpr
act
ical
hands-
onexper
ience:
To
off
erstudent
sr eal
-worl
dexposur
etobanki
ngoper
ati
ons,
tr
ansacti
ons,andcustomerservi
cewi
thi
nOromiaBank.

E nhanci ngski ll
sandknowl edge:Toi mpr
ove
students'
underst
andi
ngofbankingprocesses,
financi
al
products,r
iskmanagement,andregul
ator
ycompl i
ance
throughpracti
cal
appli
cat
ion.

Fost
eri
ngcol
l
abor
ati
on:
Topr
omot
ecol
l
abor
ati
on
bet
weenAdmasUniversi
tyandOromiaBank,
fost
eri
nga
mutual
l
ybenef
ici
alr
elati
onshi
pforknowl
edgeshari
ngand
ski
l
ldevel
opment
.

Suppor
ti
ngcar
eerr
eadi
ness:
Toequi
pst
udent
s

15
 wit
ht heski
l
ls,
compet
enci
es,andconfi
dencenecessar
yfor
successf
ulent
ryi
ntot
hebankingi
ndustr
yupongraduati
on.

 Dr
ivi
ngi
nnov
ati
onandi
mpr
ovement
:To
encour agest
udentstoident
if
yareasfori
nnovati
onand
processi mprovementwit
hinOromiaBank,cont
ri
but
ingto
organizati
onalgrowthandeff
ici
ency.

Sour
cesofi
nfor
mat
ion

w.
w.wor
omi
abank.
com

4.Theor
y
Ty
pesofbankaccount
s
 Sav
ingaccount

 Cur
rentaccount

 Fi
xedaccount

Cr
it
eri
aofopencust
omeraccount

 Legal
ident
it
yIDcar
d

 Phot
ogr
aph

I
nti
alamountofcapi
tal

 Aut
hor
izat
ionofconf
ir
mat
ionsi
gnat
ure

16
 Obj
ect
iveofopencust
omeraccount

 Saf
etypr
eser
vat
ionofsav
edmoneyofcl
i
ent
s

 Cr
eat
ionofsav
ing&sav
ingsment
ali
ty

I
ncr
easi
ngi
ncome&pr
ofi
tsofcapi
tal
&li
qui
dit
y

 Cr
eat
ingl
oanf
aci
l
itat
es

I
NDUSTRI
ALPRACTI
CEEXPERI
ENCE

 Pay
rol
l
Fi
nanci
alst
atment
Bal
ancesheet
Incom st
atment
 Fi
nanci
alrat
io

COMPARING THE THEORETI

CAL AND PRACTI
CAL
ACTI
VITI
ES

SI
MILARTI
TES
Bothhel
ptoimpartknowledgetostudent
s
Theywil
lhel
pthestudentinthefut
urebothi
n
workandineducat
ion

4.
5.2DI
FFERENCE

 Whi
l
et heor
eti
cali
sonlyonpaper,weseeev
ery
thi
ng
i
npract
iceandwegetexper
ience

17
 CONCLUSSI
ON
Wear egladthatthosewhower egiv
ingusmor al
et odot his
exerci
sei
npeace,haveseenwhatwel
earni
ntheoryinpract
ice,
so
thatwecanhaveexperi
encewhenwegotoworktomorrow.

RECOMMENDATI
ON
Thisi
showIendedmyint
ernshi
pbyrecommendi
ng
st
udentswholeav
ethi
sBhalai
nter
nshi
ptogoto
OromiaBank.

18
19