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“The Prospect Performance and Growth Analysis of The City Bank Ltd.”

A partial requirement for the fulfillment of BBA Program

Department of Finance
Faculty of Business Studies
University of Dhaka
Letter of Transmittal

January 01, 2011

To,
The Chairman
Department of Finance
University of Dhaka

Subject: Submission of Internship Report

Dear Sir
It is a great pleasure and privilege to present the internship report titled “The Prospect Performance and growth Analysis of The City Bank Ltd.” which was assigned to me as a partial requirement for the competition of Bachelors of Business Administration degree.

It is my great pleasure to work for a private commercial bank and gain an in-depth knowledge on lending process and monitoring techniques. Throughout the study I have tried with the best of my capacity to accommodate as much information and relevant issues as possible and tried to follow the instructions as you have suggested. I tried my best to make this report as much informative as possible.

I have tried my level best to put in meticulous effort for the preparation of this report within given time. Any sort of suggestions regarding this report would be gladly appreciated and I would be gratified if this report serves its purposes.

Sincerely yours,

Afifa Khan
Roll: 12-063
Department of Finance
University of Dhaka

Acknowledgement

First, I would like to thank the Almighty Allah for giving me the opportunity to finish the report properly.

I would like express my solemn feelings and gratitude to my internship report instructor Nusrat Khan, Lecturer, Department of finance, University of Dhaka, whose expert supervision, continuous guidance and instructions have contributed greatly in the preparation of this report.

I am highly grateful & like to express my sincere thanks to Mr. Mashrur Arefin Head of Retail Banking of the City Bank Ltd who permitted me to make an Internship report on such a prestigious organization.

I am preparing the report “The prospect Performance and growth Analysis of The City Bank Limited” I am very much obliged for cordial cooperation from executive’s officers and staffs of The City Bank Ltd, RFC, Dhaka. I want to express my whole – hearted gratitude to them for their precious cooperation without which, it would not been possible to bring the report in present form.

I would like to thanks Mr. M. A. Quiyum (Manager, Asset Ops, RFC), my internship supervisor. I could not prepare this report without his help. Thanks to him very much.

Last but not least, I am very much grateful to Mr. Mohammad Asaduzzaman, (Head of Retail Finance Center) gave me opportunity to work in such a friendly environment and proper guidance me by his own.

SL. No.Title Page No

Chapter One
Introduction01
1.1 Origin of the report02
1.2 Objective of the report02
1.3 Rationale of the study03
1.4 Methodology of the report04
1.5 Scope of the report05
1.6 Limitation of the study06
Chapter-Two
Bank Industry and its growth analysis in Bangladesh 07
2.1.1 Some indicators of Bangladesh's banking system08 2.1.2Interest Rate Spread09
2.1.3 Earnings and Profitability11
2.1.4 Interest Expenditure and Assets12
2.1.5Non interest Income and Assets12
2.1.6 Return on Assets12
2.1.7 Return on Equity (ROE)13
2.1.8 Non-Performing Loans13
2.1.9 Default Risks: Loan Loss Provisions15
2.1.10 Capital Adequacy18
2.1.11 Regulatory Capital Requirement19
2.2 Economic contribution of commercial banks19

Chapter-Three
3.1 Overview of the City Bank Limited22
3.2 Vision, Mission and Objectives24
3.3 Philosophy...
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