City bank

Making Sense of Money

An Overview Of City Bank

Objectives of the study

LENDING REQUIREMENTS
PROVIDE OVERVIEW
AND PROCEDURES

OBJECTIVES

GROWTH RATES OFFER RECOMENDATIONS

STRENGTH/WEAKNESS
Limitations of the study

Lack of knowledge

Bank policy

Lack of experience

Time limitations

Internal matters
Company Overview

Branches Employees Customers

130 OVER 3,230 OVER 16,00,000

ATM+CDM Priority centers

369 7

City bank
Making Sense of Money
Cards issued POS machines

OVER 293,497 OVER 17,500

Merchants
OVER 9,000
 Business divisions

Corporate & Investment banking

Foreign Structure Equity

Trade Finance Investment

Islamic
Leasing
Finance
 Business divisions

Retail Banking (including Cards)

Retail Debt Card

Retail Loans
Deposit

Credit Card ATM’s

 Business divisions

Retail Banking (including Cards)

Retail
Retail Loans Debt Card ATM’s
Deposit
 Business divisions

SME Banking

SME Deposit SME Loans

 Credit processing steps

Request Prepare
Review
for credit proposal

Inspect
Fill form
Document
Approving Monitoring
 Analysis
Growth rate of total cash amount
70.00%

60.00%
2016, 58.60%

50.00%

40.00% 2015, 41.26%

30.00%

20.00%

10.00%

2014, 4.86%
0.00% 2013, 0.00%
2017, -2.85%

-10.00%
2013 2014 2015 2016 2017
Growth rate of total cash amount 0.00% 4.86% 41.26% 58.60% -2.85%
 Analysis
Growth Rate of Total Cash in Hand
30.00%

2016, 26.31%

20.00% 2015, 20.10%

2017, 17.42%

10.00%

0.00% 2013, 0.00%

-10.00%

-20.00% 2014, -20.50%

-30.00%
2013 2014 2015 2016 2017
Growth Rate of Total Cash in Hand 0.00% -20.50% 20.10% 26.31% 17.42%
 Analysis
Growth Rate of Cash Balance in Bangladesh Bank and Others
80.00%

70.00%
2016, 66.39%

60.00%

50.00%
2015, 47.53%

40.00%

30.00%

20.00%
2014, 15.79%
10.00%

0.00% 2013, 0.00%

2017, -6.56%
-10.00%

-20.00%
2013 2014 2015 2016 2017
Growth Rate of Cash Balance in
0.00% 15.79% 47.53% 66.39% -6.56%
 Analysis
Growth Rate of Fixed Asset
4500.00%

4000.00% 2017, 3984.22%

3500.00%

3000.00%

2500.00%

2000.00%

1500.00%

1000.00%

500.00%

2015, 106.17%
0.00% 2013, 0.00% 2014, 0.50% 2016, 20.70%
2013 2014 2015 2016 2017
Growth Rate of Fixed Asset 0.00% 0.50% 106.17% 20.70% 3984.22%
 Analysis
Growth Rate of Non-Banking Asset
4500.00%

4000.00% 2017, 3984.22%

3500.00%

3000.00%

2500.00%

2000.00%

1500.00%

1000.00%

500.00%

2015, 106.70%
0.00% 2013, 0.00% 2014, 0.50% 2016, 20.70%
2013 2014 2015 2016 2017
Growth Rate of Non-Banking Asset 0.00% 0.50% 106.70% 20.70% 3984.22%
 Analysis
Growth Rate of Bill Payable
140.00%

120.00%
2015, 116.79%

100.00%

80.00%

60.00%

40.00%

20.00%

2014, 8.72%
0.00% 2013, 0.00%

2017, -14.58%
-20.00% 2016, -19.70%

-40.00%
2013 2014 2015 2016 2017
Growth Rate of Bill Payable 0.00% 8.72% 116.79% -19.70% -14.58%
 Analysis
Growth Rate of Borrowing from Other Bank
120.00%

2014, 110.63%

100.00%

80.00%

60.00%

2016, 43.55%
40.00%

2015, 28.40%
2017, 22.19%
20.00%

0.00% 2013, 0.00%

2013 2014 2015 2016 2017
Growth Rate of Borrowing from
0.00% 110.63% 28.40% 43.55% 22.19%
 Analysis
Growth Rate of Current Deposit
1600.00%

2017, 1488.31%
1400.00%

1200.00%

1000.00%

800.00%

600.00%

400.00%

200.00%

2014, 33.21% 2015, 42.90%

0.00% 2013, 0.00%
2016, -88.06%
-200.00%
2013 2014 2015 2016 2017
Growth Rate of Current Deposit 0.00% 33.21% 42.90% -88.06% 1488.31%
 Analysis
Growth Rate of Fixed Deposite
20.00%

2016, 12.11% 2017, 11.68%

10.00%

2014, 4.38%
0.00% 2013, 0.00%

-10.00%

-20.00%

-30.00%

-40.00%

-50.00%

-60.00% 2015, -61.11%

-70.00%
2013 2014 2015 2016 2017
Growth Rate of Fixed Deposite 0.00% 4.38% -61.11% 12.11% 11.68%
 Analysis
Growth Rate of Statutory Received
25.00%

2015, 21.90% 2016, 21.77%

2014, 21.25%
20.00%

2017, 17.05%

15.00%

10.00%

5.00%

0.00% 2013, 0.00%

2013 2014 2015 2016 2017
Growth Rate of Statutory Received 0.00% 21.25% 21.90% 21.77% 17.05%
 Analysis
Growth Rate of Total Operating Income
140.00%
2015, 129.59%
120.00%

100.00%

80.00%

60.00%

2014, 45.04%
40.00%

20.00%
2016, 13.77%
0.00% 2013, 0.00%

-20.00%

-40.00%
2017, -52.11%
-60.00%

-80.00%
2013 2014 2015 2016 2017
Growth Rate of Total Operating
0.00% 45.04% 129.59% 13.77% -52.11%
 Analysis
Growth Rate of Total Operating Expenses
25.00%

2014, 23.39%

20.00%

2017, 17.98%

15.00%

2016, 12.52%

10.00%

2015, 7.23%

5.00%

0.00% 2013, 0.00%

2013 2014 2015 2016 2017
Growth Rate of Total Operating
0.00% 23.39% 7.23% 12.52% 17.98%
 Analysis
Growth Rate of Total Profit Before Tax
140.00%

120.00% 2014, 121.63%

100.00%

80.00%

60.00%

2015, 45.22%
40.00%

2016, 23.48%
20.00%

0.00% 2013, 0.00%

2017, -9.48%

-20.00%
2013 2014 2015 2016 2017
 Analysis
Growth Rate of Net Profit After Tax
300.00%

250.00% 2014, 248.02%

200.00%

150.00%

2015, 110.60%
100.00%

50.00%

2016, 13.07%
0.00% 2013, 0.00%
2017, -14.87%

-50.00%
2013 2014 2015 2016 2017
Growth Rate of Net Profit After Tax 0.00% 248.02% 110.60% 13.07% -14.87%