ACKNOWLEDGEMENTNo one walks alone on the journey of life. Just where you start to thank those that joined you, walked beside you, and helped you along for their kind co-operation to the completion of your hard outcomes. Apart from the efforts of me, the success of any report depends largely on the encouragement and guidelines of many others. This project bears on imprint of many people. I take this opportunity to express my gratitude to the people who have been instrumental in the successful completion of this project.The outcome of this stature would not have materialized without the help and support of employees of Sanima Bank Limited. In this context I would like to thank all the individual and institution for their help and support in whatever capacity possible. I would like to express my indebtedness to Treasury Department staff Mrs.Situ Shrestha and Ms.Shovika Joshi for their supervision and cooperation extended to me.I express my gratitude to my college, Modern Nepal College for providing us helpful guidelines needed during our internship. I am grateful to Mr. Shataya Narayan Shrestha Program Director-Modern Nepal College and Mr. Pratap shakya, our internship supervisor for being constant source of encouragement, inspiration and support.Lastly, I would like to express my warm appreciation and sense of gratitude to everyone who has directly and indirectly helped me in this academic mission and without whom this study would not have been accomplished.

Sincerely,Damodar Joshi