PLAGIARISM DECLARATION

1. I know that plagiarism means taking and using the ideas,writings, works or inventions of another as if
they were one’s own. I know that plagiarism not only includes verbatim copying, but also the extensive
use of another person’s ideas without proper acknowledgement (which includes the proper use of
quotation marks). I know that plagiarism covers this sort of use of material found in textual sources and
from the Internet.

2. I acknowledge and understand that plagiarism is wrong.

3. I understand that my research must be accurately referenced.

4. This assignment is my own work, or my group’s own unique group assignment. I acknowledge that
copying someone else’s assignment, or part of it, is wrong, and that submitting identical work to others
constitutes a form of plagiarism.

5. I have not allowed, nor will I in the future allow, anyone to copy my work with the intention of passing
it off as their own work.

ABIDUR RAHMAN

ID : 172011099
 LETTER OF TRANSMITTAL

December 17,2023

Shakib Hasan Siddiqui

Lecturer
School of Business
University of Liberal Arts Bangladesh (ULAB)
688, Beribadh Road
Mohammadpur, Dhaka 1207.

Subject : Submission of Internship Report

Dear sir ,

I am very pleased to submit this internship report on the topic “Retail Banking in Modhumoti Bank ”. that
you have approved
and assigned as compulsory requirements of IE . I think that this internship report has helped me
a lot in enhancing the knowledge about the respective subject matter, as well as empowering my
skills. I have really enjoyed working on this paper and hope that this effort will meet the level of
institutional expectation.

I am very glad that you have given me this opportunity to prepare this internship report and I
hope you will accept my internship report considering the limitations.

Thanking You,

Sincerely,
Abidur Rahman
ID : 172011099
BBA Program
School of Business
University of Liberal Arts Bangladesh
 Acknowledgement

At first, I would like to express my deepest gratitude to Almighty Allah for giving me the
strength to finish the task within the schedule time.

I would like to offer my deep gratitude, compliments and heartfelt thanks to respectable
teacher and my internship supervisor MR. Shakib Hasan Siddiqui ,Lecturer ,School of
Business ,University of Liberal Arts Bangladesh , whose constant supervision and guidance enabled
me to prepare this internship report. I am indebted to him for his excellent support and
guidance throughout the study.

My gratitude also goes to Mr. Salauddin, Assistant Vice President , Retail Division ,Modhumoti
Bank Limited ,for providing necessary help and guidance. I would like to also thanks the
management of Modhumoti Bank Limite ,for giving me the internship opportunity and
providing me all kinds of necessary support and guideline.

I am ever grateful to all of my faculties of School of Business , University of Liberal Arts

Bangladesh , who helped and guided me to complete this internship report.

Finally, a silent stream of gratitude is for my most adorned parents whose blessing is always
with me in this world.
It is process for every student of BBA program of United International University to complete
their undergraduate program at last they have to submit an internship report. After completing
my 120 credit of BBA program started my three months internship period in Modhumoti Bank
Limited. During these three months I was part of their general banking department and I have
learned a lot about commerce, banking and customer services which are provided by the
Modhumoti Bank.

Bangladesh is still a developing country and private financial institutes of the country are helping
the country to grow and develop. People of the country are becoming depended on these
institutes and banks are providing them superlative banking and financial advice.

To know about a bank or to evaluate a bank ratio analysis is the most important tool. In this
report I have used different types of ratios to have a deep understanding about the position of the
Modhumoti Bank. I had to study the last six years financial statement of MMBL to cover this
ratios and I have highlighted some financial reviews in my report about how efficiently the bank
is making profits.

I have also covered the General banking services and charges in my report, and I have shared my
internship experience and my responsibilities. Through my analysis of ratios I have come to
know that no matter the size of the organization, we can make our perception about the financial
position of a particular organization. The bank is giving back to its shareholders the returns as
dividend at a rate of 10 percent. And from the beginning year, CRAB was selected as a credit
rating agency and in the report I have discussed about rating of last five years.

Modhumoti bank started it journey in 2013, within these years it became a brand itself because
of their service and good behavior towards their clients. And with this growth rate it will become
one of the prime banks of the country in coming years.