1.3.

2 Management and Organizational Hierarchy of The City

Bank Limited
 Organizational hierarchy of City Bank Limited:

Chairman

Vice-
Chairman

Board of Directors

Managing Director Deputy Managing

& CEO Director

First Vice
Senior Executive Executive Vice Senior Vice President
Vice President President President
Senior
Executive
Officer

Vice
President

Assistant Senior Assistant Vice

Vice President
President

Executive Senior Officer Junior

Officer Officer Officer
1.3.3 Mission and Vision of the City Limited:

 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.
 Be the „Employer of choice‟ by offering an environment where people excel and leaders
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.
 Values
 Result Driven
 Engaged & Inspired
 Accountable & Transparent
 Focused on Customer Delight
 Courageous & Respectful

1.3.4 Product/ Services of The City Bank Limited:

Corporate Retail Banking SME Treasury

Banking Banking
Working Capital Deposit City Overnight Deposit
Finance - City Onayash Muldhon Term Deposit
Trade Finance - City Shomridhdhi City Foreign Exchange
Short/ midterm - City Projonmo Sheba Local Currency
Finance - City Ichchapurun City Spot and Forward
Project Finance Loan Shulov Derivatives
Islamic Finance - City Drive
Structured - City Solution
 Finance Debit Card
Cash Management Credit Card
Investment NRB
Banking American Express
i-Banking City wallet

 Corporate Banking :

In CBL following activities are performed in this division Financing-

 Working capital finance
 Trade finance
 Short/Mid-term Finance
 Project Finance
 Islamic Finance
 Structured Finance
 Cash managements
 Invest banking
 Schedule of charges
 Interested rate on lending
 Retail Banking :
Retail banking includes the tasks for the following purpose-
 Deposits
 Loans
 Cards-debit card, credit card etc.
 NRB-foreign remittance
 Schedule of charges
 Interest rate on Lending
 SME Banking:

CBL‟s SME banking is engaged of servicing for the following facilities-

 City muldhan
  City Monaca
 City Shula
 City Nosh
 City Sheba

 Treasury:

City bank has dedicated Treasury team who is capable of providing all treasury solution.

Through their foreign correspondent business partners, CBL is providing a wide range of

treasury products. In CBL Treasury, there are four teams who are specialized in their area to
Ensure the best possible solution to our customer requirement. CBL has following teams in the

Treasury.

 Foreign Exchange
 Money market
 Corporate sales
 Market research

1.3.5 Target Customers of the City Bank Limited:

A specific group of consumers at which a company aims its products and services. Your target
customers are those who are most likely to buy from you. Resist the temptation to be too general
in the hopes of getting a larger slice of the market.

List of Existing Corporate Customers:

 SHANTA ENTERPRISE
 RIDMIK KEYBOARD
 HITACHI POWER PLUS BANGLADESH
 NAVANA GROUP
  GRAMEEN PHONE
 ROBI
 BANGLALINK
 NOVOTEL LTD
 NOVOTEL LTD
 PARTEX
 BLUE OCEAN
1.3.6 Competitors of The City Bank Limited:

There are a lot of competitors in banking sector of Bangladesh. So it’s a great threat for them.
There are not only the conventional banks but also some other Commercial & Islamic Banks in
the market as their competitors. Conventional banks are always trying to understand people that
interest and dividend are the same through various seminar, symposiums and publicity.

Despite of marvelous popular support, spectacular success in terms of mobilization of deposit

and distribution of profit. Small Industries Bank in Bangladesh yet to achieve the designed level
of success due to the absence of appropriate legal framework. All the Government approved
securities in Bangladesh are interest bearing.

List of Market Competitors:

 Jamuna Bank Limited.

 Mutual Trust Bank Limited.

 Dhaka Bank Limited.

 Woori Bank.

 Fin Com Bank

 Bank Asia Limited.

 Pubali Bank Limited.

 The Premier Bank Limited.

 Premier Bank Limited

  United Commercial Bank Limited
 Prime Bank Limited
 IDLC(Industrial Development Leasing Company of Bangladesh)
 HSBC(The Hong Kong and Shanghai Banking Corporation)
 Standard Chartered Bangladesh
 Prime Bank
 IFIC Bank
 Meghna Bank

1.3.7 Existing Market Positioning of The City Limited:

Every year, banks' performance is evaluated by internal and external auditors

because this evaluation concerns all the related parties about the bank's present
position. This is also essential for managing a country's finance. It helps to
assess the future risks of the bank. It helps categorize banks according to their
performance.
Every year, banks' performance is evaluated by internal and external auditors
because this evaluation concerns all the related parties about the bank's present
position. This is also essential for managing a country's finance. It helps to
assess the future risks of the bank. It helps categorize banks according to their
performance.
Every year, banks' performance is evaluated by internal and external auditors
because this evaluation concerns all the related parties about the bank's present
position. This is also essential for managing a country's finance. It helps to
assess the future risks of the bank. It helps categorize banks according to their
performance.
Every year, banks' performance is evaluated by internal and external auditors because this
evaluation concerns all the related parties about the bank's present position. This is also essential
for managing a country's finance. It helps to assess the future risks of the bank. It helps
categorize banks according to their performance.
There are many methods of evaluating the bank's performance. Some of them are:

(1) CAMEL,

(2) Data envelopment analysis (DEA),

(3) Analytical hierarchy process (AHP),

(4) Economic value added (EVA).

In CAMEL, related ratios are used to evaluate the performance. Then a rating system is used to
categorize the banks, whereas in the DEA method, several input and output rates are used. AHP
method is based on the problem decomposition into a hierarchy structure which consists of the
elements like goal, alternatives, criteria, etc. EVA may be summarized in management,
motivation, mindset, measurement (4Ms). From these performance evaluation methods, CAMEL
is used for this study. CAMEL refers to a composite rating system based on the assessment and
rating of six essential factors of an institution through which performance can be assessed.

CAMEL rating in banking

The Uniform Financial Institutions Rating System (UFIRS) is commonly known as the CAMEL
rating system. It was adopted by the Federal Financial Institutions Examination Council (FFIEC)
on November 13, 1979. In 1995, the stands for Financial System were added by the Federal
Reserve and the OCC. On January 1, 1997, they included a composite rating. CAMEL is an
international banking rating system where bank supervisory authorities rate institutions
according to five factors which are represented by the Acronym CAMEL. To evaluate banking
industry performance, Bangladesh Bank (BB) uses this supervisory tool. Bangladesh Bank had
introduced Early Warning System (EWS) of supervision from March 2005 to address the
difficulties faced by the banks in any of the areas of CAMEL. The CAMEL rating bore a close
relation to the five component scores; it is not the result of averaging those five grades. The
inspector of each institution assesses the conditions and allocates scores for each element and
reviews all relevant factors. The procedures of ratings are similar for all banking companies.