Acknowledgement

At the very beginning, I would like to express my deepest gratitude to

almighty Allah for giving me the strength and the composure to complete
my BBA courses and prepare this report within the scheduled time.

During the period of my internship work, I have received generous help from
many quarters, which I like to put on record here with deep gratitude and
great pleasure.

First and foremost, I am grateful to my supervisor, Eliza Huq, faculty of

Business Administration. She allowed me to encroach upon his precious time
freely right from the very beginning of this research work until the
completion of my internship.

Her guidance, encouragement, and suggestions provided me the necessary

insight into the research problem and paved the way for the meaningful
ending of the work in a short duration.

I have no hesitation to say that, without his constant support and valuable
advice from time-to-time, I would probably fail to complete the work in an
appropriate manner.

My special gratitude goes to Mr. Shah Md. Abdul Bari, Vice President
(HRD) for his modern outlook and meticulous supervision to carry out the
job perfectly.

I am grateful especially to Mr. Md. Fazal Akhter Manager of Karwan Bazar

Branch. I am also thankful to Mr. Md. Mostafa (AVP),  and all other
departmental heads, officials, and also all office staffs of the Karwan Bazar
Branch for their sincere co-operation and support for giving me the
opportunity and always help and support me for making a standard report.

Acknowledgement

First I pay my gratitude to the almighty Allah for giving me the ability to
work hard successfully. Words actually will never be enough to express my
gratefulness. I will try level best to express my gratefulness towards some
people.

I would like to express my gratitude & respect to my honorable program

director Dr. Toufic Ahmad Choudhury and my Supervisor Kazi Baha Uddin,
Lecturer, Bangladesh Institute of Bank Management (BIBM) for their
constant guidance, advice, encouragement & every possible help in the
overall preparation of this report.

It is a great and unique pleasure to me that I have got a chance to thank a

large number of individuals for their help and encouragement to make the
internship successful.

I am grateful to Mr. Anupum Kanti Debnath (VP & Head of The Branch),
Mr. Sharif Rukunul Haque (AVP & Sub-Manager), Md. Kabir Hossin (PO),
Muaedzada Sultana (PO), Mizanul Hoque Sarkar (PO), A.S.M Ziaul Islam
(SO), Murad Zada Sultana (SO), Monwarul Islam (SO), Kazi Farha Dina
(SO), Abdur Rahman (MTO), Israt Jahan (MTO), Ismat Ara (JO),  Tasneem
Arju (CSO), Shojib Borua (JO), to constant guidance, support & valuable
suggestions during the time of Practical Orientation.
 Acknowledgment

First of all, I would like to express my gratitude to Almighty Allah for

enabling me to complete this report on “Financial Inclusion: Importance of
Mobile Payment System.”A Report On “Financial Inclusion: Importance
of mobile payment system”

Successfully completion of any type of project requires helps from a number

of persons. I have also taken help from different people for the preparation of
this report. Now, there is a little effort to show my deep gratitude to that
helpful person.

I convey my sincere gratitude to my Academic Supervisor Dr. Mizanur

Rahman, Associate Professor of Department of AIS, University of Dhaka.

Without his kind direction and proper guidance, this study would have been a
little successful. In every phase of the project, his supervision and guidance
shaped this report to be completed perfectly.
 Acknowledgement

Any effort becomes successful when there is the effect of synergy-the

concept that two and two make more than four. This report has also the effect
of synergy, without prejudice to my own contribution.

I am appreciative of Stamford University Bangladesh and those people who

cooperate with me to prepare this internship report. It is my privilege that I
had the opportunity to do an internship at Agrani Bank Ltd, Hotel Sheraton
Corporate Branch, and Dhaka.

I would like to those all who either directly or indirectly contributed to this
project.

 At first, I express my deep gratefulness to Md Monirul Islam (Asset.

General Manager) of Agrani Bank Ltd Head Office who gave me the
opportunity to allow me in this organization areas.
 S.A.N Bukhtear Ahmed (Managing Director) without their effort, it
would be impossible to bring this to the light.
I would also like to express my excessive thanks to all officers of Agrani
Bank Ltd for their excellent support and proper guidance in completing my
internship report.

Finally, I express my deep gratefulness to my supervisor Mustari Alam.

I am very much pleased to her for me helping me to complete this report.

 Acknowledgement

First of all, I would like to acknowledge “The Almighty”, the supreme

authority of the universe.

This report is a product of hard study; query involves many people’s

considerable attention to it. Without their assistance, suggestion, direction,
and co-operation preparation of this report would have been impossible. So, I
want to pay my gratitude to them.

I want to express my gratitude mainly to my supervisor Mrs. Chowdhury

Shegufta AfrinLecturer, Department of Business Administration, Stamford
University Bangladesh, who helped me from the very beginning of my
internship search for attachment.

My honorable supervisor from time to time give me an appointment and

suggest me to prepare this report that finally made me possible to complete
this report which is a partial requirement of the BBA program.

I also want to acknowledge Jb. Nazmus Sadat (VP) Branch Manager,

Dilkusha branch of Al-Arafah Islami Bank Ltd. who helped me to manage
attachment in this bank.

I am indebted to Md. Rahim Ali Sardar, Senior Principal Officer and 2nd
man in charge of Dilkusha Branch, who was the supervisor of my internship
program.
Then I would like to thank Dr. Mohammad Mujibur Rahman, Principal
Officer, Investment Department of AIBL, who provide me all the required
information to make this report successful, and also Md. Iftekhar Hossain,
Md. Rafiqul Islam, an officer of AIBL who in every step of my internship
program guides me, taught me, provided information, and enables me to how
banks work.

I sincerely thank the executives of the Dilkusha branch of Al-Arafah Islami

Bank Ltd. who helped me very much in the composition of my internship
paper.

Overall, I also grateful to all staff and officers of Al-Arafah Islami Bank Ltd.
Dilkusha branch for their co-operation and help at the time of my work with
them in that branch and to collect information to prepare this report.

Acknowledgement

Firstly I would like to thank almighty Allah for helping me all the way to
complete my Internship report such a wonderful and unique course, through
which I get the chance to learn about the preparation for a Banking Report.

Secondly Thanks my heartfelt gratitude to my revered teacher Prof. Dr.

Jahirul Haque, Professor and Head, Department of Business Administration.
International Islamic University Chittagong, Dhaka Campus for his kind
cooperation and suggest I prepared this report.

I would like to thanks our instructor Mohd Mohsin, Lecturer in Finance,

Department of Business Administration. International Islamic University
Chittagong, Dhaka Campus for giving me the opportunity to know about the
Commerce Banks of Bangladesh.

My sincere gratitude goes to Saadat Muhammad Ayub, Asstt. Vice President,

Motijeel Main Branch, Dhaka.
Then I would like to thank all the individuals of my friends, NCC bank
clients, Friends, relatives who helped me to complete the term paper by
providing much information about this assignment.

I am also grateful to the Department of Business Administration. IIUC, DC

for providing me such an opportunity to come to a real situation.

Last but not the least, I want to express my deep gratitude to my parents, all
well-wishers whose enormous helps assist me to complete this report.

Acknowledgement

First of all, I have the pleasure to express my gratitude to Almighty Allah for
giving me the opportunity to complete my internship program and finally to
prepare this report.

I would like to express my sincere thanks and gratitude to the Internship

Coordinator and Program Director Professor M. A. Hakim for giving me
permission for an internship and providing various guidelines about the
report.

This internship report might never have been completed without the
necessary practical knowledge, assistance from many books, articles, and
websites.

I would like to thanks the authority of BUBT in order to provide internet and
library facilities. I also thank all of my friends and well-wishers, who have
provided their wholehearted support to me in this exercise.

I believe that this endeavor has prepared me for taking up new challenging
opportunities in the future.
I want to express my special thanks to Mr. Firuj Hossain, FAVP & Senior
Manager of Corporate Banking Service of BRAC Bank Limited under whom
I have completed my three months internship program.

I am also grateful to all employees who answered my all questions regarding

my study with a smiling face. They helped me in such a way that helped me
to feel comfortable there and thus I have completed my report properly.

Finally, I would like to express my special gratitude to my supervisor Md.

Johirul Islam.

He has been the perfect advisor. Starting from the first day of the report, he
has been a constant source of moral support and encouragement.

He has done so much to help me establish confidence in my study. There

have been times when I felt like he believed in me even more than I believed
in myself.

I will forever be grateful for the time and effort that he invested in me. I hope
that I can be worthy of his unending trust.

Acknowledgement

The successful accomplishment of this report is the outcome of the

contribution of a number of people to whom we are grateful and thanked
them from the very deep of my heart.

In the beginning, we would like to pay our humble gratitude to the Almighty
for giving us the ability to work hard under pressure.

I would like to convey my sincere gratitude to my honorable teacher Ms. Afia

Akter, Lecturer in Finance, Department of Business Administration, Northern
University. Without her guidance and assistance, this report would not have
seen the light of day.

We are greatly indebted to our interviewee that is clients of both banks for
their cooperation without which it was impossible to get data.

We would also like to give thanks to Zareen Ahmed, assistant vice president
of the Dhanmondi Branch of Mercantile Bank Limited.

Acknowledgement

At the very beginning, I would like to pay my gratitude to the almighty for
giving me the ability to work hard under pressure.

I would like to thank my honorable dean Prof. Dr. Abdur Rab and my

supervisor Md. Rehan Masoom, Lecturer of Eastern University for guiding
me throughout the course of my BBA internship program.

I was in the  Head Office of BRAC Bank Limited to work as an intern from
May 25, 2015, to August 25, 2015.

All the members of BRAC Bank Limited (BBL) management were very
cooperative and helpful. They helped me by providing various data,
guidance, and direction.

I am grateful to Mr. Shah Alam Bhuiyan, SAVP & Head of Asset

Operations Department of BRAC Bank Limited for his cooperation and
necessary support.

Finally, I want to express my special thanks to Mr. Nasiruddin Ahmed,

Senior Manager of Asset Monitoring and Control, under whom I have
completed my three-month internship program.
I am also grateful to all other employees of the Central Operations
Department for their support and assistance.

Acknowledgement

I am grateful to God for keeping me physically and mentally well prepared

for this internship report. And for that first of all, I thanked Him and also pray
to him for my best performance.

I am very much grateful to my respected teacher and guide, Rima Pervin,

Assistant Professor, Stamford University for her constant supervision and
valuable guidance, and precious suggestions in the completion of this
dissertation.

No words are suitable to express my indebtedness and gratitude to Mostafa

Saidur Rahim Khan, Assistant Professor, Department of Business
Administration, Stamford University, for his all-out cooperation, scholarly
guidance, and valuable suggestions during preparing my report.

I express my heartiest gratitude to Mr. Nurul Alam, Executive Vice President

Manager of the UCBL, Foreign Exchange Branch, and all of the employees
who were very co-operative with me during the internship report.

I extend my deep gratitude to Mr. Afroze Ahmed Mirza, First Assistant Vice
president, UCBL, Foreign Exchange Branch, for his moral support and
valuable advice during my internship.

I indebted to Md. Tara Mia, Executive Officer, Head of  Import of the UCBL,
Foreign Exchange Branch for this whole heart co-operation. He has helped
me by giving me various information to make this report.
I would like to pay my deepest gratitude to Mr. Mustofa Kamal, Senior
Executive Officer, Head of Export of the UCBL for his guidance with
untiring patience.

I extend my deep gratitude to Sylvia Akhter, Senior Officer, Dept. of Import,

UCBL, for her hospitality and valuable advice during my internship.

I also would like to deliver my heartfelt thanks to Mr. Salman Rajib, Officer
of UCBL who has given me valuable instructions, constructive criticism, and
advice regarding the preparation of this dissertation.

On this auspicious moment, I wish to pay my deep respect to Sarwar Ali

Khan, Officer, UCBL, for his guidance with untiring patience.

I am very much grateful to Kazi Rafiqul Hasan, Joint Director, Foreign

Exchange Inspection, Bangladesh Bank, Dhaka for his valuable advice
regarding the preparation of this dissertation.

I express my respect and gratitude to my uncle Nirmal Sarkar, Joint Director,

Foreign Exchange Inspection, Bangladesh Bank, Khulna, for his valuable
advice during my internship.

No words are suitable to express our indebtedness and gratitude to Zakawath

Uddin Ahmed, Officer of UTTARA BANK Ltd. for his all-out cooperation,
and provide all the information to us regarding this assignment.

I am ever grateful to my Elder brother Dr. Robindra Nath Sarker, Assistant

Professor, Dept. of Radiology &Imaging, Dhaka Medical College Hospital,
and my sister-in-law Shilpi Rani Paul for their guidance and sacrifice to
continue my study.
I am ever grateful to my parents also for their guidance and sacrifice to
continue my study.

I would like to thank all of the officials of UCBL, Foreign Exchange Branch
who have given me supportive information and valuable time in my report
writing process.

Finally, I am indebted to all of my friends without whose help it would not be

possible to complete this report.

ACKNOWLEDGEMENT

I have taken efforts in this project. However, it would not have been
possible without the kind support and help of many individuals. I would
like to extend my sincere thanks to all of them.

I am highly indebted to MR. SUMIT KUMAR AGARWAL (BDM)

and MR. AMAR BEDI (BRANCH MANAGER), for their guidance
and constant supervision as well as for providing necessary information
regarding the summer training report & also for their support in
completing the summer training report.

I would like to express my gratitude toward my parents for their kind

co-operation and encouragement which help me in completion of their
summer training report.
 I would like to express my special gratitude and thanks
to…………………………………). She always try to make sure that,
there should not be any lack which may be the cause of failure in the
career of student.

I Express millions gratitude toward ……………………., for

encouraging and guiding me at every step. He always provides very
simple and effective solution. You are an inspiration to students and also
to teachers.

ACKNOWLEDGEMENT

I first thank to my “Almighty God and my parents” for their sustained blessings and

grace at all stages of my training.

I render my gratitude and special thanks to Mr. AMAR BEDIfor giving me the

opportunity to work in his reputed organization. I would also like to extend my thanks

to all other staff at MAX LIFE INSURANCEwho have co-operated and supported me

towards the successful completion of this project.

I am extremely indebted and too thankful to my project guide MR. SUMIT KUMAR,

who has been most co-operative and encouraging throughout this project. Without

his initiative and constant support this project wouldn’t have taken place.
I render my special thanks to our College Management and to our faculty

DR. ASHUTOSH MISHRA (Project Coordinator), for giving me this opportunity to carry

out this project.

Last but not the least, I thank ,my friends and well wisher for their good cooperation

while I am doing my project.

ACKNOWLEDGEMENT

while conducting thisreport,Igotsupportinmany ways from manypeople.First,Iam deeply grateful

to my project guide MR. VIKALP TIWARIwho helpedme with full devotion and always supported

me earnestly whenever it was needed. Without her guidance, mental &moral support and

academic inputs this report was notpossible.

This Training report could never have seen the light of the day without her co-operation of those

Clients who participated in this. I am thankful to all of them for giving me their valuable time.

I am also thankful toall faculty membersforoverall guidance andhelp.

I would like to express my special gratitude and thanksti DR. MAMTA SHUKLA .She always try to

make sure that, there should not be any lak which may be the causer of failure in the career of

student.

I Express millions gratitude towards MR.SHYAM DUBEY, for encouraging and guiding me at ever step.

Iwill always be aspirant of you bless and grace. A healthy and sincere thanks to DR. ASHUTOSH SIR,

MR. MAYANK TRIPATHI, MR. AVINASH PANDEY, MS. AJITA GUPTA MA’AM and KAMINI SINGH

MA’AM. Who provides us all with support and guidance and precious life lesson. Thank you for
 teaching me lesson that I will carry though my life’s journey. You have worked so hard in shaping me

into the students me into the students me into the students.

At the end, I thank to Almighty for giving me courage and strength to conduct this project report.

ACKNOWLEDGEMENT

First of all, I would like to thank MPEC (Maharana Pratap Engineering College) for

arranging SUMMER INTERNSHIP PROGRAMME which helped to get a little exposure to the

corporate world.

It gives me immense privilege and pleasure in expressing my sincere gratitude and

heartfelt thanks to Mr. AMAR BEDI SIR for giving me the opportunity to work in his

reputed organization. I would also like to extend my thanks to all other staff at MAX LIFE

INSURANCEwho have co-operated and supported me towards the successful completion

of this project.

My sincere regards and gratitude to our faculty DR. ASHUTOSH MISHRA (Project

Coordinator) for giving me support throughout my project for the fulfillment of M.B.A.

degree and this made me capable of being worthy of recognition.

I am extremely indebted and too thankful to my project guide MR. SUMIT KUMAR, who

has been most co-operative and encouraging throughout this project. Without his

initiative and constant support this project wouldn’t have taken place.