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Citibank N.A

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BANK:
A bank is an institution which receives deposits and advances loans. (Prof. Kinley)

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To be the organization of choice, dedicated to our customers and employees providing exceptional service quality and delivering consistently superior performance

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Mission of Citibank
Passion to Serve For every dream For every vision an allay a champion

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Mission

For every ambition For every plan

an advocate a partner a single resource

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For every single goal

History
o First National City bank of New York o Branches outside united states o Introduction in Pakistan

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Introduction
Rapid access Citigroups response to rapid access High level of service

High quality portfolio

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Thank You

DEPARTMENTS
ACCOUNT DEPARTMENT AUDIT DEPARTMENT CO-OPERATE SERVICE DEPARTMENT TREASURY HUMAN RESOURCES DEPARTMENT INFORMATION DEPARTMENT CASH DEPARTMENT LOCAL CURRENCY DEPARTMENT ANTI MONEY DEPARTMENT COMPLIANCE OPERATION DEPARTMENT MARKETING DEPARTMENT
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PRODUCTS OF CITIBANK

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Products of Citibank
Personal banking Corporate banking Commercial banking Citigold Electronic banking Customer service
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Personal banking

Citibank Non Resident Pakistani Account Local currency deposit Foreign Currency Deposits Credit Cards Debit Cards Car Financing Home Loans Personal Loans Consumer Durable Loans Insurance Payment Solutions
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1) Citibank Non Resident Pakistani Account

For Non-Residents Pakistanis residing in UAE, Citibank introduces the Citibank AED and the Citibank Rupee Checking Account. Enjoy all the benefits of a regular UAE account and a safe, convenient and cost effective way to transfer funds to Pakistan. Empower yourself with the cutting edge advantages of these two versatile accounts.
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2) Local currency deposit

Rupee Current Account Rupee Savings Account Citibank Premium Profit

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a- Citibank Rupee Current Account

Citibank has always taken the lead in bringing innovative solutions to all your banking problems. Citibank Current Account continues this tradition. The first of its kind in Pakistan, Citibank Current Account is a complete solution to your needs, saving time and money.
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-b Citibank Rupee Savings Account

Citibank Rupee Savings Account offers you flexibility that is unique to Citibank. Interbranch Access is a special feature that gives you the ease to deposit and withdraw your funds from any Citibank branch in Pakistan.
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c- Citibank Premium Profit

Maintaining its tradition of introducing innovative and profitable financial products, Citibank now brings you Premium Profit. This rupee Term Deposit provides you with one of the most profitable investment options available today. Place your funds in Premium Profit and watch your savings grow at one of the attractive rates offered in the market.
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3) Foreign Currency Accounts

Savings Account

1- Resident and non-resident Pakistanis 2- Foreign nationals residing in Pakistan

Term Deposit

1- Resident and non-resident Pakistanis 2- Local and foreign companies (except banks and financial institutions) 3- Foreign nationals residing in Pakistan
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4) Credit Cards

Citi Mobilink Credit Card Citibank Caltex Credit Card Citibank Clear Card Citibank Gold & Silver Credit Cards Citibank e-card Citibank Shaheen Affinity Credit Card

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5) Citibank Debit Card

Secure It is safer Convenient Global Acceptability Direct Debit

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6) Car Financing

a- New Car Program b- Used Car Program c- Cash Against Car

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7) Home Loans
Own a Home Home Maker Home Power Debt Consolidation

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8) Personal Loan

Flexible Tenure Loan Amount Easy Monthly Installments No Collateral/ Guarantor required Easy Documentation & Quick Disbursal Affordable Pricing and Excellent Service
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9) Consumer Durable Loans

Easy Loan Application Flexible Tenure & Easy Monthly Installments No Collateral/ Guarantor required Easy Documentation & Quick Disbursal

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10) Insurance

Life Plus Credit Shield Plus Family Protection Plan Secure Wallet Plan Savings Plan

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11- Payment Solutions

Automatic Bill Payment Citibank Merchant Services

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Corporate banking
1) Cash management 2) Treasury 3) Corporate bank 4) Financial institution 5) Citi service 6) Securities services 7) Trade 8) Investment banking 9) Recognized innovations
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COMMERCIAL BANKING
TRADE SERVICE TREASURY CASH MANAGEMENT CITI SERVICE

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CITI GOLD
Stay Ahead with Unparalleled Advantages Highly Personalized Preferred Banking Team of Experienced Professionals Preferential Services and Priority Processing Extended Banking Hours: Mon Thu 9:00 A.M. to 8:00 P.M.
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ELECTRONIC BANKING

CITIBANK ONLINE CITI ALERT E STATEMENT

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CUSTOMER SERVICE
CITI PHONE BANKING WALK IN CENTRE ATM LOCATIONS DROP BOX LOCATIONS BRANCH LOCATIONS DISPUTED TRANSACTION
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RATING OF CITIBANK
o LONG TERM RATING o AAA o SHORT TERM RATING o A1+

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COMPARISON OF CITIBANK WITH OTHER BANKS

40,000 36,158 35,000

30,000

29,576 27,337 24,296 22,557 21,526

DEPOSITS
ADVANCES Investments Admin expenses

25,000

20,000

15,000 12,073 12,677 10,666 10,000 8,244

5,000 1489 0 Citibank ABN Amro 688

4,370 2,651 942 283

Banks Standard Chartered Grindlays

AG Zurich

SWOT ANALYSIS
Strengths Weaknesses Opportunities

Threats
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Strengths
o o o
o o o o o o o

To better their services Citibank provides branch facility. any time any amount of money can be withdrawn from Citibank Incoming and outgoing TTSs are very quick.e.g.from Pakistani Citibank to new York Citibank. There is centralized data base system in Citibank. All data is under Bangkok branch and the easy access on the data. Gold customer has free of cost charges. Highly qualified staff is there. No compromise on standard. Citibank has given proper training to their employees. Complaints of clients are given strong follow ups.

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Weaknesses
* * * Branch network is not there in the markets where whole sale is done like in Akbari gate Shah alam market etc. which can be quite good for bank. Compliance is sometime so strict it can close many accounts. Minimum deposits are quite high which normal people can't maintain. Credit cards charges are quite high and bad. Expensive sometime add quite many charges to people .e.g. annual charges are very high.
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* *

Opportunities
o o o o o o o o Islamic banking may be started from July. Mutual funds aim to preserve and grow investors capital in the long term. Due to AAA rating many egos give their accounts to them. Increasing 60 branches at the end of this year. Citibank increasing the banking sector increase. Citibank is 2nd bank all over the world now because of their facility. Security deposits by SBP have increased a lot for foreign banks. Citibank work on REPO not on KIBORE offer more rates

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Threats
No compromise in standard. Smart branches are not there in proper location. Economic and political conditions are there. Customers are broken away. Computer systems are not proper up to date.
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Conclusion
Due it the occurrence of losses, Citibank must try to promote its consumer branch. Citibank doesnt provide job security to the employees .Mostly people are hired on contractual basis .more people must be employed on permanent basis, providing job security and satisfaction. it must ;ay emphasis on the per party exposure. it being a conservative bank it does not prefer to take risk. it is one of the drawbacks of the bank. It must take risk and adopt aggressive behavior. Citibank suffer losses during the years. Later in year 2000, Citibank once again regained its profitability and now occupies a leading position in the country. During the current scenario tax rates were quite high as compared to the prevailing taxation rate.
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Message from Citibank

Thus in the end we can say that, we should not forget that to accomplish great things one must not only but dream and should have capability to convert dreams of today into reality of future.
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ANY QUESTIONS???

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THANK YOU

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