Retail banking credit risk management division of The City Bank Limited

Abstract

City Bank Ltd. deals with four different and significant banking divisions which are the driving force of the bank such as Retail Banking, Corporate Banking, SME Banking and Treasury Banking. Here the report has been prepared on Retail banking Credit Risk Management of CBL and it covers detail about credit retail banking activities performs by the bank. Besides it also consists of general information of CBL, financial information, learning points, findings, and recommendations.

Retail banking refers to banking in which banking institutions execute transactions directly with consumers, rather than corporations or other banks. Services offered include: savings and checking accounts, mortgages as well as personal loans, debit cards, credit cards, and so forth. Under retail banking City bank provides three different types of loan for better convenience of the customers such as Personal Loan, Home Loan and Auto Loan.

This report will be helpful for the person who has intention to learn about loan products of retail banking and guidelines for availing such products from The City Bank ltd or other banking institutions.

In this report, first of all I’ve discussed about the objectives, scopes, limitations and the methodology containing the sources of data I’ve collected from. Secondly, in the organizational part I have provided detailed information about the organization with its company profile, Corporate Vision and Mission, product & service and resources.

Thirdly I’ve discussed about the overall credit processes and risk management of CBL which starts with the branch and other business units and done fully under head office’s

credit department. Finally, I tried to give some suggestion to the base of my knowledge and experience which I have achieved during my job tenor in CBL, for further growth in credit and convenience in credit risk management. The whole system has been described elaborately keeping in mind the most important segments.