Introduction

City Bank is one of Bangladesh's oldest privately owned commercial banks.

In a country that is rapidly digitizing, the banking sector is the perfect location to improve client
suitability through technology. We at City Bank were among the first in the industry to deploy a simple,
hassle-free, and secure digital banking solution in Bangladesh.

The primary goal of this report is to evaluate The City Bank Limited's performance. To get an
understanding of how a commercial bank operates and performs. Gaining a general understanding of
banking through ratio analysis, determine The City Bank Limited's five-year performance. To obtain
knowledge about the financial environment and services available. To gain practical experience with
course banking

City Bank is a responsible banking organization that works to achieve significant national goals such as
job creation, financial inclusion, long-term economic growth, and consistent wealth generation.
Commercial banks' primary goal is to make money, thus they must maintain higher asset quality,
liabilities, loans and advances, deposits, profits per share, profitability ratios, and so on. The soundness
of a bank's advances is what determines its strength, thus the advances must allow for changes in a fair
amount of time and without unnecessary trouble. Successful lending relies on solid judgment and a
thorough understanding of the borrower's character and creditworthiness.

The economic activities of a country determine its wealth. In this report, I shall assess the City Bank
Limited's performance. I will determine the bank's financial and overall performance by studying
financial statements, balance sheets, and annual reports from the previous five years. I also stated my
observations from performing this report in this report. The City Bank Limited has received national and
international acclaim for its substantial economic success. According to "ASIA WEEK," The City Bank
Limited was one of the 12 banks in Bangladesh among the 500 banks in Asia in terms of asset, deposit,
and profit.

Company Overview
City Bank is one of Bangladesh's oldest privately owned commercial banks. It is a top bank among the
country's five oldest commercial banks, having begun operations in 1983. The Bank began its adventure
on March 27, 1983, when it opened its first branch in Dhaka's capital, B. B. Avenue Branch. The founding
and forward marches of the bank were made possible by the visionary entrepreneurship of roughly 13
local businesspeople that battled the huge uncertainties and hazards with courage and devotion. Those
sponsor directors started with just Taka 3.4 crore in capital, which has grown to a solid Taka 2311.78
crore in capital and reserves.
City Bank is one of the few local banks that don’t operate or profit based on the conventional, dispersed,
geographically controlled branch model. Instead, the bank's business and operations are managed
vertically from its headquarters through five different units:

 Business Unit,
 Branch Banking,
 Risk Unit,
 Operations Unit and
 Support Unit.

These 5 different Units are backed at the back by a powerful service delivery or operations structure as
well as a smart IT Backbone under a real-time online banking platform. Such a centralized business
segment-based business and operating architecture ensures that the bank's various client groups
receive specialized care and services.

The bank now has 112 branches scattered over the nation, including 99 online branches, one full-fledged
Islamic Banking branch, one SME service center, and 11 SME/Agri branches. The bank is also quite active
in the alternative delivery field, in addition to these typical distribution places. It presently has 253 ATMs
of its own, as well as an ATM sharing agreement with partner banks that includes over 1150 ATMs; SMS
Banking; Interest Banking, and other services. It has already begun operating a Customer Call Center.

Company goals are as follows:

The following is a list of the city Bank Limited's objectives in terms of its position in the economy:

 To make resource allocation more efficient.

 To assist in attaining economic stability.
 To strive for the highest level of client satisfaction and to win their trust.
 To run and administer the bank as efficiently as possible.
 To determine the needs of customers and track their perceptions of how well those needs are
being met.
 Review and update rules, processes, and practices in order to improve the ability to provide
better service to consumers.
 To train and develop all personnel, as well as to equip them with necessary resources, in order
to meet the expectations of customers in a reasonable manner.
 Promote organizational efficiency by informing employees about firm plans, policies, and
processes in a timely manner.
 To create a pleasant working atmosphere.

Mission:
  A wide array of products and services that differentiate and excite all customer segments
 Be the “Employer of choice” by creating an environment where people excel and leadership are
created
 Continuously challenge processes and platforms to enhance effectiveness and efficiency
 Promote innovation and automation with a view to guaranteeing and enhancing excellence in
service
 Ensure respect for community, good governance and compliance in everything we do.

Vision:

 Their vision is to create financial supermarket with a winning culture o-erring enjoyable
experiences.
 Maintain a high standard credit quality, control & compliance in place
 Bring down NPL ratio further
 Promote continuous on the job local and overseas training.
 To ensure participative management system and empowerment of Human Resource
 To maintain continuous growth of market share ensuring Quality

Structure of the Organization

City Bank is one of the few local banks that do not operate or profit based on the conventional,
dispersed, geographically controlled branch model. Instead, the bank's business and operations are
managed vertically from its headquarters through four independent business divisions:

 Banking on Corporations and Investments

 Banking for the general public (including Cards)
 Banking & Treasury for SMEs, as well as Market Risks

These four business divisions are backed at the back by a powerful service delivery or operations
structure as well as a smart IT Backbone, all of which operate on a real-time online banking platform.
Such a centralized business segment-based business and operating architecture ensures that the bank's
various client groups receive specialized care and services.
The City Bank ltd. as a listed corporation has a board of directors with an elected chairman. The tiers are
then separated into strategic business units as business banking, SME, International banking, operation,
channel and branch banking etc. At 2018, the bank has counted over 2,256 employees including 382
executives and 1,874 officers working in various levels.

The credit division of principal branch of The City Bank Ltd. has most percentage of employees in the
value chain. They are in charge of collecting bad-debts, investigating clienteles, and recovering loans.
This unit is crucial as all the banks work on risk basis and giving loans, and mortgages. If this unit isn’t
aligned with organizational strategy, the value chain will be impractical. On the contrary, there is only
one company secretary who report directly to top management of The City Bank and the least number
of employees are herein in this unit.