“Comparative analysis of Liability management performances of Listed Banks of Bangladesh” A study on City Bank Ltd.

Abstract

This report is based on practical working experience at City Bank Limited as a part of internship program. The report is designed to bridge the gap between the theoretical knowledge and real life experience. It is designed to have a hands-on experience while passing through the theoretical learning. From 1983 to now this bank has changed a lot. It converted itself from traditional institute to modern one which accepts universal best practices and new technologies. Unlike many, the Bank's goal is not to achieve numbers only but to become a complete bank with numerous services. It has customer base of around 1.6 million, 130 branches, 369 ATM + CDM, 7 priority centers etc. The report mainly focuses on the Liability management. Liability Management is one kind of process which is upheld by banks to equalize its assets and liabilities. It is done to keep their balance sheet healthy while also maintain fluidity and enhance lending. Main concentration is given towards City Bank Limited but also other 10 listed banks have been taken into consideration for comparative analysis. Accounting data collected from bank’s reports of income statement, balance sheet, the cash flow statement and others. A wide variety of comparative analysis like Average liability, classified loan, Working Capital ratio of all ten banks and city bank have been made. I try to represent the difference through graphical presentation in analysis and findings part. The focus of this paper is to investigate and understand the influence of liability management on the overall performance of the bank. City bank is complete with the collective effort of four significant departments, such as Retail Banking, Corporate and Investment Banking, SME Banking and Treasury Banking. In case of Retail Banking banks directly perform transactions with customers. Services they offered are current and savings accounts, personal and corporate loan, debit cards, credit cards, and so forth. The first part of the report gave a short introduction of the whole report and the research intention and methodology with all the sources defined. The second part is about the overview of The City Bank Limited with history, business vision and mission. Third part includes theoretical discussion of debt management. The fourth part is about the findings and analysis of the research that I undertook as a student of UIU. I tried to investigate whether liquidity management made by CBL oppose or favor the organization. The Fifth part explained the recommendation that I feel might be beneficial for the bank and the next part explained the conclusion. Overall this report highlights my overall learning so far and my experience as an intern.