Professional Documents
Culture Documents
PROBLEM STATEMENT
RATIONALE
USA
6,453
India
88
Bangladesh
58
REPORT OBJECTIVES
Primary Objective:
Secondary Objectives:
To present a brief overview of Citigroup, Citibank N.A. and its
operations in Bangladesh along with SWOT analysis. SWOT
To compare the productivity & profitability efficiency of the
sampled banks
To identify the productivity efficiency factors for improvement to
use it as a managerial tool. DEFINING VARIABLES
SWOT
STRENGTHS
Global product
Strong global image
Personalized approaches
Expert local management
Citis global policy
OPPORTUNITIES
Direct Custody and Clearing (DCC)
Most profitable customers
retaining policy
Product Innovation
M&A expertise
WEAKNESSES
Narrow operating span
Limited & low marketing
Short term presence
THREATS
larger branch network of other
banks
higher singe borrower limit of
others
doesnt offer retail banking
Radical moves of the law and
infrastructure
Slowdown of global economy
DEFINING VARIABLES
Input-output mix
Improvement
Parameters
Operation Approach:
Input 1 (x1)
Input 2 (x2)
Input 3 (x3)
Input 4 (x4)
Input 5 (x5)
Output 1(y1)
= Total loans in BDT
Output 2 (y2)
= Net investments in BDT
REPORT OBJECTIVES (CONT.)
DEFINING VARIABLES
Input-output mix
Improvement
Parameters
Intermediation Approach:
Input 1 (x1)
Input 2 (x2)
Input 3 (x3)
Input 4 (x4)
= Interest Expense
= Commission, exchange and brokerage
= Labor expenses
= Operating expenses (net of Labor Expense)
Output 1 (y1)
= Interest income
Output 2 (y2)
= Investment income
Output 3 (y3)
= Other operating income
REPORT OBJECTIVES (CONT.)
METHODOLOGY:
RESEARCH DESIGN
Research category:
METHODOLOGY:
RESEARCH DESIGN
Analysis Models:
o DEA Approach : Input Oriented
o CCR Model (Charnes, Cooper and Rhodes , 1978)
Production process of the DMUs has been divided into two stages:
Absorbing resources and spending resources. That means
productivity efficiency and profitability efficiency. The first stage is
called Intermediation Approach and the second stage is called
Operation Approach.
RESULT SHEETS
DMU Name
Total deposits
# of Employees # of Branches
Total Expenses(Interest +
labor+ other)
Bank Asia
83,601,263,368
1,237
49
2,441,545,139
1,837,283,978.00
79,504,232,613
12,075,700,932
Dhaka Bank
67,742,518,136
1,109
56
1,714,736,557
977,385,392.00
63,591,387,406
8,443,201,485
City Bank
67,419,801,730
2,685
88
3,200,831,687
3,206,205,668.00
60,326,545,084
12,473,962,726
DBBL
83,244,772,836
2,763
96
2,960,624,703
2,934,359,758.00
67,657,062,364
11,001,605,828
Eastern Bank
56,425,228,517
973
49
2,073,766,734
3,614,398,915.00
58,607,085,693
9,827,197,073
EXIM Bank
94,949,400,069
1,686
59
1,810,108,689
463,743,339.00
93,296,648,855
6,012,855,886
Merchantile Bank
73,739,392,053
1,605
65
1,928,685,597
1,647,581,148.00
66,377,697,326
10,937,201,791
One Bank
50,873,707,749
1,247
50
1,447,357,626
619,951,616.00
42,190,397,165
7,490,869,936
Prime Bank
124,799,314,775
2,139
94
3,769,667,412
1,743,653,375.00
118,837,290,007
22,198,536,395
Pubali Bank
98,850,499,250
5,534
399
3,769,667,412
3,330,313,913.00
89,106,206,559
16,516,388,559
Shahjalal Bank
62,964,948,065
1,671
63
1,322,254,120
1,472,502,085.00
61,440,075,905
2,228,851,599
Southeast Bank
107,253,190,318
1,373
76
1,737,739,216
4,463,638,993.00
93,981,202,323
18,869,071,237
Trust Bank
50,413,290,971
1,376
52
1,365,390,204
431,006,157.00
39,799,923,991
8,559,939,769
45,846,309,207
1,050
67
1,351,934,730
722,053,009.00
37,730,458,690
9,098,954,386
Citibank, N.A.
23,387,196,816
195
802,519,497
192,487,379.00
19,295,322,778
4,647,484,581
Table: CRS efficiency scores and Optimal lambdas with benchmark via Intermediation approach (2007)
Input-Oriented
DMU Name
Optimal Lambdas
with Benchmark
CRS
Sum of
Efficiency
lambdas
RTS
Bank Asia
1.00000
1.000
Constant
1.000
Bank Asia
Dhaka Bank
1.00000
1.000
Constant
1.000
Dhaka Bank
City Bank
1.00000
1.000
Constant
1.000
City Bank
DBBL
0.77664
0.566
Increasing
0.203
Merchantile Bank
Eastern Bank
1.00000
1.000
Constant
1.000
Eastern Bank
EXIM Bank
1.00000
1.000
Constant
1.000
EXIM Bank
Merchantile Bank
1.00000
1.000
Constant
1.000
Merchantile Bank
One Bank
0.89051
0.771
Increasing
0.041
Merchantile Bank
Prime Bank
1.00000
1.000
Constant
1.000
Prime Bank
Pubali Bank
0.87201
1.822
Decreasing
1.208
Eastern Bank
Shahjalal Bank
1.00000
1.000
Constant
1.000
Shahjalal Bank
Southeast Bank
1.00000
1.000
Constant
1.000
Southeast Bank
Trust Bank
1.00000
1.000
Constant
1.000
Trust Bank
1.00000
1.000
Constant
1.000
Citibank, N.A.
1.00000
1.000
Constant
1.000
Citibank, N.A.
0.363
Southeast Bank
0.049
Southeast Bank
0.682
0.338
Shahjalal Bank
0.275
Table: Efficient input target and output target via Intermediation approach (2007)
Efficient Output Target
Efficient Input Target
DMU Name
Total deposits
# of Employees
# of Branches
Total Expenses(Interest +
labor+ other)
Bank Asia
30004088739.00000
639.00000
29.00000
1316315575.98913
498428682.00000
28456944137.00000
4203135875.00000
Dhaka Bank
48730676321.82380
842.00000
41.00000
1159004257.00000
291259210.00000
39971903240.00000
5971748749.00000
City Bank
40539634035.00000
1990.99998
83.00000
1316315570.41092
1390732179.94957
26788466306.80990
7550606492.00000
DBBL
32704232138.28920
584.13632
25.03207
579338774.59499
740950482.80182
28369578068.10010
5909323040.00000
Eastern Bank
29878501670.00000
690.00000
28.00000
951589162.00000
871267742.99915
30895706294.00000
3456990107.00000
EXIM Bank
41546568591.80200
1104.00000
35.00000
912218527.99160
200702928.00000
40195239222.00000
2457716314.00000
Merchantile Bank
38139901767.00000
945.00000
41.00000
1016510458.98400
593203096.00000
31877860104.14200
7099966878.00000
One Bank
21803350013.01550
485.30847
24.37119
380910490.19792
313424932.98628
19709302397.02650
3587478621.00000
Prime Bank
70544071295.00000
1400.00000
61.00000
1574232708.99945
662350336.00000
57781997118.23800
12698020628.00000
Pubali Bank
50573951457.76940
1180.58613
50.88673
1372750637.45745
1178750255.19468
50549167102.00000
5556578405.00000
Shahjalal Bank
22618187303.00000
555.00000
26.00000
313816132.00000
127055566.99791
20616605335.00000
858994699.00863
Southeast Bank
68714672575.00000
1080.00000
46.00000
1026854672.00000
1708110172.00000
60281260389.00000
12299606871.00000
Trust Bank
27101585100.71990
842.00000
31.00000
474951358.00000
194224790.00000
18682164654.04730
3785450925.00000
24776924968.00000
578.00000
30.00000
424484555.00000
301871320.99912
22683227657.00000
3956528943.00000
Citibank, N.A.
24655856230.79660
173.00000
4.00000
520681707.99935
144102659.99957
16999528039.00000
2772355156.00000
Table: Input slacks and output slacks via Intermediation approach (2007)
Input Slacks
Output Slacks
Total deposits
# of Employees
# of Branches
Total Expenses(Interest +
labor+ other)
Bank Asia
0.00000
0.00000
0.00000
0.01087
0.00000
0.00000
0.00000
Dhaka Bank
0.17620
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
City Bank
0.00000
0.00002
0.00000
5.58908
18.05043
168.80992
0.00000
DBBL
0.00000
28.62904
13.02307
470517486.23207
150080237.60495
0.10011
0.00000
Eastern Bank
0.00000
0.00000
0.00000
0.00000
0.00085
0.00000
0.00000
EXIM Bank
0.19801
0.00000
0.00000
0.00840
0.00000
0.00000
0.00000
Merchantile Bank
0.00000
0.00000
0.00000
0.01600
0.00000
0.14200
0.00000
One Bank
0.00000
210.17879
2.34407
152005060.53805
0.00000
0.02652
0.00000
Prime Bank
0.00000
0.00000
0.00000
0.00055
0.00000
0.23804
0.00000
Pubali Bank
0.00000
3414.91987
263.90979
0.00000
13490527.65916
0.00000
0.00000
Shahjalal Bank
0.00000
0.00000
0.00000
0.00000
0.00209
0.00000
0.00863
Southeast Bank
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
Trust Bank
0.28009
0.00000
0.00000
0.00000
0.00000
0.04731
0.00000
0.00000
0.00000
0.00000
0.00000
0.00088
0.00000
0.00000
Citibank, N.A.
0.20337
0.00000
0.00000
0.00065
0.00043
0.00000
0.00000
DMU Name
CONCLUSION
LIMITATIONS