General Banking Operation in CBL

Abstract

The City Bank Limited, a FIRST era private commercial bank of the nation, was set up on 28 March 1983. The fundamental exercises of City Bank are Commercial Banking, Corporate Banking Retail Banking and Islamic Banking. City Bank's items can be extensively characterized in two groups i.e. Deposit product and Loan product. This report represents the working experience of an intern of overall banking activities of CBL, which is expresses as a case study. This study contains the main two customer oriented task of a bank which is General Banking and the Loan section. These are the widely provided service of CBL. The main objective of the program is to experience the practical knowledge of banking sector and implementation of academic education in practical corporate world. The other objective is to know the banking operation system to deliver the customer service of CBL toward customers. The study is disclosed as descriptive manner and the data are collected through the practical working knowledge, discussion with the employees and customers and some from many articles and annual report of The City Bank Ltd. There were some limitations while compiling the report from those time constrains was the major factor. This internship report reveals the historical background, origins of the bank, products and services offered by the bank, procedure of the activities etc. The mission, vision are also briefly introduced. Based on the observation and survey with the customer through “City Branch Banking Survey” form, some positive points and some weak points of their services have been found. City Bank provides so many attractive schemes and products which are very much beneficial to the customers and by which it can beat the competitors as well. This bank is highly technology-updated organization, which adopts any new technology very fast. But there are some issues with the employees when deal with customers. So, organization can take some initials to train and enhance the motivational level of the employees. The employee‟s satisfaction level also needs to be improved through providing different incentives. Moreover, with changing economic condition, to keep pace with, City Bank has to focus on level of satisfaction both customers and employees and has to provide far better customer experience through pleasant customer packages.