Citizenship is the word you're looking for.
Let's break it down:
1,2,3,4 is a bank's name:
The only 4-letter bank name I could think of was Citi (as in CitiBank or CitiGroup)
5,6,7 is a car's name:
The 'Zen' is a model of car popular in India, distributed and sold by Suzuki Maruti, a subsidiary of Suzuki.
8,9,10,11 is a mode of transport:
Ship is a four-letter mode of transport. There are others (such as bike or taxi, but this is the only one that completed the word in a logical way).
I don't know why you say 99% of people fail this, I got in in under 2 minutes.