1. Corporate & investment banking 2. Retail Banking 3. SME Banking 4. Treasury & Market risks. Corporate & investment 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
Page | 10 Retail Banking (including cards) 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 & Market risks 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
Page | 11 PART-THREE ACTIVITIES UNDERTAKEN Retail Finance Center Retail finance or lending refers to making a wide range of secured and unsecured loans to private individual. As city bank offers a wide number of consumers loan to meet different customer need, the retail finance center process and operates the loan. Unlike the other decentralized banks, city bank has a central loan control center. The RFC was formed in 2008 as a process of being centralized. Before forming the RFC, the loan processing system was decentralized. Which means, loan processing, disbursement and collection everything is done by individual brunches. In the centralized banking system, the loans are processed and operated only by the RFC. RFC has three wings to do the whole job in an organized and effective way. The three wings are: 1. RFC credit approval 2. RFC operation 3. RFC collection RFC credit approval & operation department: The brunches of city bank are called Sales and Service Center. The loan applications are collected by either DST (Direct Sales Team), or directly brunches. The applications of the loan are sent to the credit approval department; there are two sections in the department- Analyst Approval The loan applications are analyzed as per the PPG (Product Program Guideline). If the application qualifies, then the approval team sends the application to the operation department and the operation department disburses the loan.
Page | 12 Figure-2 , graphical view of the loan process procedure Collection Department (Retail finance center) The Collection Unit plays an important role to ensuring the profitability of asset products and quality of the portfolio by collecting the delinquent amounts efficiently and effectively.
- Fall '16
- James Bakul Sarkar