Dedication

I dedicate this effort

to my
Parents & Teachers,
who Guided
&
Encouraged me
during the
course
 Of My Studies and
preparation of this
Report

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

I had done my Eight weeks of internship at Citibank. Citibank is one of the

leading banks of Pakistan. Citibank with the mission to provide financial services
to the customers based on quality and quantity products provided me with great
opportunity to learn about the practical field, I tried to act in a very professional
way during my internship at Citibank which is always ready to do innovative
banking. During my internship I was able to develop good relation with every
employee I had work with. I have divided this report into different sections. First
section is about introduction of Citibank, it includes the general background of
bank. Second section is about organization structure in this I have discussed the
departments that are there in Citibank and further about branches and chain of
command (hierarchy). Third section discuss the business strategy in which I have
done an analysis which includes strength, weakness, opportunity and threats to
Citibank, fourth section is about marketing in which I have touched marketing
environment, target Market and Marketing Mix (compromising a big list of
products and their pricing, promotion and placement). Fifth section is about the
finance in this section I have done the ratios analysis of balance and income
statement. Sixth section is about Human Resource Management, since it is
totally practiced there in Karachi and only few personnel are here in Lahore, so
there was very little to learn about it, never the less, some policies, job offerings
and internship programs are still discussed. Seventh section is about conclusion
and recommendations, here, I have done conclusion of the report and given my
personal suggestion to the bank. Section eight section is about what I learn in the
internship, I have particularly explained this area in great detail, I personally think
that this portion deserves the most part of the report, since it actually tells the
reader what the intern had been doing the whole internship period. I have
explained each department that I have worked on, in great detail.

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