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ACKNOWLEDGEMENTS
No work in reality is the sole effort of its writers as many people like the
foundation stone contributes silently. These people sometime deserve more
praise and appreciation than the writers themselves. Same is the case with this
project. It is unequivocally stated that among such silent contributions Miss Faiza
Rehman, stands prominent. Her confidence in me, all her motivations to do
something authentic gave the basic impetus for undertaking this strenuous task.
The staff at Citibank N.A. Corporate Branch Lahore who helped and co-operated
me a lot during my stay at bank and provided me all the required information in a
good and appreciable manner especially Riaz Haider, Muhammad Mubeen,
Umaid Hassan, Abdul Qadir, Sagheer, Ali Farid, Ammar, Arif, Rizwan, Saleem,
Qadeer Khan, Naeem, Masood-ul-Haq and all fellow interns there including
Ahmad, Hamza, Saad, Usman, Arslan and Fayyaz. In the end my class fellows,
whose eternal support helped me with the completion of this report.
Raza Zubair
COMSATS BBA 7th Semester
Intern Citibank Lahore
1. Executive Summary
Table of Contents
Description Page Number
1. Executive summary I
2. Introduction and Background of the Bank 1
a. Introduction of Citi group Inc. 1
b. Introduction of Citibank 1
c. History of Citibank 2
d. History of Citibank in Pakistan 6
e. Mission Statement 7
f. Vision 7
g. Core Values 7
h. Working Environment 7
3. Business structure 8
a. Departments of Citibank 8
I. Corporate bank 8
II. Financial Institution 8
III. Trade 9
IV. Clearing Services 10
V. Collection Services 10
VI. Commercial Payment services 11
VII. Liquidity Services 11
VIII. Treasury 11
IX. Cash Management 12
X. CitiService 13
b. Organizational Hierarchy 14
c. Detail of Branches in Pakistan 15
d. Division of Citigroup Inc. 16
4. Business Strategy 16
a. SWOT Analysis 16
5. Marketing 20
a. Technology 20
b. Target Market 21
c. Marketing Mix 21
I. Product 22
II. Price 31
III. Place 33
IV. Promotion 34
6. Financial Analysis 37
a. Ratio Analysis 37
b. Balance Sheet and income statement 40
analysis
7. Human Resources Management 41
a. Internship Programs 43
b. Job Offerings 43
8. Learning as an intern 44
a. Clearing Department 44
b. General Internal Services Department 54
c. trade Support Unit Department 58
d. Financial Institution Department 70
9. Conclusion and recommendations 76
10. Annexure