← Erudite Africa Center of ExcellenceBank and MFIBanking OperationsFive-day course
Domestic Banking Operations
Accounts, deposits, tellers, cheques, transfers and fraud control in an Ethiopian bank branch
A practical course on how an Ethiopian bank branch opens accounts, handles cash and cheques, makes domestic transfers and prevents fraud, under the current NBE rules.
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What you will be able to do
- Describe how a branch is organized and how the maker-checker principle and dual control protect the bank
- Explain the duties the bank and the customer owe each other, including secrecy and compliance with lawful orders
- Open accounts for any type of customer with the right documents, identification and due diligence
- Choose the right deposit product and explain its conditions
- Run a teller position, apply authorization limits and end-of-day controls
- Examine, endorse, clear and return cheques, apply the insufficient-fund rules and process stop payment orders
- Make domestic transfers and handle lost instruments
- Maintain accounts and recognize and report fraud and forgery
- For
- Customer service officers, tellers, cash and non-cash supervisors, account opening staff and new graduates joining branch operations
- Study time
- About 5 hours online, in 5 modules (10 hours in the classroom version)
- Each module
- Short lessons, animated visuals, Ethiopian examples, decisions to make, NBE rules and worked calculations, then a quiz
- Assessment
- A 20-question final exam; pass mark 70%
- Certificate
- Erudite Africa Center of Excellence certificate of completion
- Access
- Module 1 free for registered users; the full course, exam and certificate for subscribers
The 5 modules
- Module 01Free previewBranch organization and the bank-customer relationshipHow a branch fits into the bank and the NBE system, who does what, how maker-checker and dual control protect everyone, and what the bank and the customer owe each other.6 lessons · 50 min · quiz
- Module 02Opening accounts and deposit productsIdentify and screen customers, collect the right documents for each customer type, handle special customers, and match people to the right deposit product.7 lessons · 65 min · quiz
- Module 03Teller operations and cash controlRun a teller position from opening to balancing: tills, cash deposits, withdrawals, CPOs and remittances, authorization limits, keys, legal tender and the end-of-day close.7 lessons · 60 min · quiz
- Module 04Cheques, clearing and domestic transfersExamine, endorse and clear cheques, apply the insufficient-fund cheque rules and stop payment orders, and process domestic transfers, CPOs and lost instruments.6 lessons · 65 min · quiz
- Module 05Account maintenance, fraud and reportingMaintain accounts correctly, control suspense items, recognize and respond to fraud and forgery, and report to the right authority while treating customers fairly.7 lessons · 60 min · quiz
- Officer simulationA week as assistant branch manager (operations) at Bank A, Hawassa branchWork as assistant branch manager, operations: 11 real-life items, decisions with consequences and a hand-over note. Pass with 70% to qualify for the certificate.
- Final examFinal exam and certificate20 applied questions across all 5 modules. Pass with 70% to download your certificate.
Built on
- Erudite Africa training module: Domestic Banking Operations: 5-Day Course (October 2026)
- A commercial bank's branch operations procedure manual (2018), unnamed, with example figures to be replaced by each bank's current rules
- NBE Proclamation No. 1359/2025 and NBE directives as listed in the lessons (NBE/INT/13/2026, FXD/01/2024, FXD/04/2026, ONPS/09/2023, FCP/01/2020, FCPED/142/26)
- Commercial Code Proclamation No. 1243/2021, Proclamation No. 780/2013 and Civil Society Organizations Proclamation No. 1113/2019
- Erudite Africa Ethiopian context module (39 topics), October 2026
- A commercial bank's Revised Credit Procedure Manual (2025), unnamed
Examples and companies are fictional. Bank practices are shown as typical Ethiopian practice, not as any one bank's policy. Always apply your own institution's approved policy and the current NBE directives.