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