Performance Analysis of
City Bank
Presented by ‘’IN2F’’
The City Bank
Objective of the Presentation
Methodology
Making sense of money-The city Bank
Overview of Banks
Establish on 27th March 1983
Authorized capital 1.75 Billion Tk
Online branches 87 , 10 SME service centers
100 own ATMs
American Express Credit Card launched on November 2009
Making sense of money-The city Bank
Vision & Mission
Vision
The Financial Supermarket with a Winning Culture Offering Enjoyable
Experiences
Mission
Offer wide array of products and services that differentiate and excite all
customer segments
Continuously challenge processes and platforms to enhance effectiveness
and efficiency
Promote innovation and automation with a view to guaranteeing and
enhancing excellence in service
To maximize bank’s profits by ensuring its steady growth
Making sense of money-The city Bank
Online Service
Online Banking ??
The common features of electronic banking in Bangladesh
24- hours cash deposit & withdrawal facility
Quick cash withdrawal without having queue
Account activities enquiry in any moment
Statement request through ATM/Debit/Credit Card
Transfer own funds to other account number in same bank
Present Balance enquiry
Shopping facilities
Can able to pay utilities bill
Withdraw money by using VISA, PLUS, MASTER, MAESTRO and other credit
card
Withdraw money from dollar account which gives taka by converting foreign
currency
Mobile Banking, E trickt , Top-Up, Mobile Recharge etc.
Making sense of money-The city Bank
Service Provide by The City Bank
24- hours withdrawal facility ATM
Quick cash withdrawal without having queue
Account activities enquiry in any moment
Statement request through ATM/Debit/Credit Card
Present Balance enquiry
Shopping facilities
Withdraw money by using VISA, PLUS, MASTER, MAESTRO
and other credit card
Making sense of money-The city Bank
Compare Services
ATM
Mobile Banking Service
Online Ticket Service
E- Recharge
Open Online Branches
Online fund transfer facility etc.
Making sense of money-The city Bank
Analysis-Trend analysis
 Trend analysis ??
 Net profit after tax (Amount “0*8”)
20.1833
18.4924
8.1872
3.4346
2007
3.9811
2008
2009
2010
2011
 Total Assets (Amount “0*9”)
88.55340206
57.11457606
116.1230433
76.46680156
48.75540302
2007
2008
Making sense of money-The city Bank
2009
2010
2011
Analysis-Trend analysis
 Total Operating Revenues
79.44727603
43.67880343
25.72192702
35.10266937
23.00868222
2007
2008
2009
2010
2011
Total Operating Expense
43.67880343
35.10266937
25.72192272
23.00868236
11.28350836
2007
2008
Making sense of money-The city Bank
2009
2010
2011
Analysis-Trend analysis
Total debt
Series1
28.88248536
26.06526258
17.55346344
21.12244711
13.16315576
2007
Making sense of money-The city Bank
2008
2009
2010
2011
Ratio Analysis
 Cash Position Indicator
0.071
0.067
0.068
0.055
2007
2008
2009
2010
0.0647
2011
 Liquid Securities indicator
0.146
0.133
0.111
2007
Making sense of money-The city Bank
2008
2009
0.0989
2010
0.0847
2011
Ratio Analysis
 Capacity Ratio
0.603
0.549
2007
2008
0.667
0.569
2009
0.663
2010
2011
 Debt Ratio
0.941
0.926
0.923
0.872
0.846
2007
Making sense of money-The city Bank
2008
2009
2010
2011
Ratio Analysis
 Debt to equity capital ratio
15.962
12.542
12.04
8.73
2007
2008
2009
8.47
2010
2011
 Interest Coverage Ratio
1.388
2.608
1.555
1.614
1
2007
2008
2009
2010
2011
Making sense of money-The city Bank
Ratio Analysis
 Operating Efficiency Ratio
0.512
2007
0.56
0.5
0.484
2008
0.438
2009
2010
2011
 Return on total Assets
1
0.8
0.6
0.4
0.2
0
2007
2008
Making sense of money-The city Bank
2009
2010
2011
SWOT Analysis
 What is SWOT ??
 Strength
 Excellent customers service
 Product innovation skills
 Use modern technology
 good will
 Offer attractive schemes
 Customer’s trust.
Making sense of money-The city Bank
SWOT Analysis
Weakness
employee turnover
Divisions are not properly well organized
Poor advertising police
Communication gap
Poor no. of Branches & ATM
Opportunities
new market segments
Increasing credit facilities
new schemes are introduced
Open more Branches & ATM
American Express Card
Making sense of money-The city Bank
SWOT Analysis
 Threats
Increasing number of banks
Politic, economic situation of the country
Provisions of better services by private bank
Making sense of money-The city Bank
Finding
Good working environment But
To provide credit card maintain lot of formalities
Lack of online service
Few branches
a few ATM.
American Express credit.
online service is not effective
Making sense of money-The city Bank
Recommendations
Branches
ATM
Mobile banking
Online banking
Online sopping
Online services
Maintain Human Right For Employer
Introduce New Product
Better Service
Other
Making sense of money-The city Bank
 Any Question ?
Making sense of money-The city Bank