Comprehensive report on Standard Chartered as Project work

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2013
Group “J”
Standard Chartered bank
10/30/2013

II
[30-10-2013]
Chittagong University
Assignment on
“STANDARD CHARTERED BANK”
Course title: Principles and practice of banking
Course code: 302
Prepared by group “J”
Serial
no
Name ID No Contact/cell
phone no
E-mail address
01 Md Mohiuddin 11304021 01830049837 mdmohiuddincu@gmail.com
02 Md.Alaftagin Roshab 11304037 01811013531 rroshab@gmail.com
03 Injamul Hoque 11304058 01812581205 reyadmsimcu@gmail.com
04 Md. Ashab Uddin 11304029 01814471727 Ashab_uddin_cu@yahoo.com
05 Md. Jahedul Islam 11304033 01840053510 Jahed.sabuj@gmail.com
06 Md.Mangur Alam 11304065 01827874116 manguralam@yahoo.com
07 Md. Zia uddin 11304111 01829480885 mdzddn@gmail.com
08 Md. kowsar Tamim 11304061 01815251012 tamim6167@gmail.com
09 Rasul Ahamed 11304052 01820041441 rasulahamed98@yahoo.com
10 Md.Jaker Hossen 11304028 01811353329 Jaker5271@gmail.com
Submitted to:
Mohammad Kamrul Hasan
Lecturer on principles & practice of
banking
Dept. of MSIM
B.B.A Program, CU

III
Acknowledgement
The practices of banking activities have revolutionized each and every spectrum of
business and economic world. So, being in this tremendously competitive and globalized
world we do need to have knowledge about banking. No doubt, a project on an
internationally renowned multinational foreign bank ―STANDARD CHARTERED
BANK‖ will definitely pave us the way for enriching our knowledge in this arena. We
would like to express our extremely special thanks of gratitude to our dear & of course
honourable Mr. Kamrul Hassan, Lecturer, Dept. of MSIM who gave us the golden
opportunity to work on this pragmatic and fantabulous project on the topic ―Standard
chartered bank‖, which help us carry out lots of research and know so many new things.
Not only that, we want to thank him once more for providing us such an excellent support
and guidance despite his busy schedule.
I would not forget to remember Md Injamamul Haque and Md Mohiuddin of our
group for their unlisted encouragement and more over for their timely support and
guidance till the completion of our project work.
The success and ultimate outcome of this project required a lot of guidance and assistance
from many people and I am extremely fortunate to have got this all along the completion of
my project work. Whatever I have done is only due to such guidance and assistance and I
heartily thank all of our group members.
I would like also thank my Institution and my faculty members. I also extend my heartfelt
thanks to all the classmates of my batch, my seniors and juniors also.
Sincerely
Md Alaftagin Roshab
Editor , Group “j”

IV
Executive summary
The main theme of this project is to boost our knowledge about the banking system of our
country as well as the foreign ones. Research for this report included a review of current
literature on web-based banking and interviews with two experienced bankers
The major findings indicate that the banking expertise & excellence of standard chartered
bank is highly contemporary while some aspects need intense attention like brand-building,
change in the marketing highlightment, making the Branch Self-Informative, making the
information more accessible.
Now it is crystal clear that the banking practice of different banks available in our country
varies in many aspects like product policy, marketing strategy, technology. Standard
chartered bank is also different but exclusive. It may be more leading in position by
enhancing the social responsibility involvement like providing scholarships to the poor and
meritorious students, contributing in socio-infrastructural development, extending aid to
disaster stricken people, expanding the branches throughout the world.
Banking system has been successfully adjusting with the changing demand of the clients
and offering lots of newer & safer services which are beyond clienteles‘ expectation.
That‘s to say, banking has experienced a series of changes with the passage of time & has
become in its ultimate form. The opportunities and importance that lie in the Banking
system are seem to be endless and lucrative due to the continuous innovation and growing
demand for the new way of monetary & of course social business. So, as a globally
recognised bank ―STANDARD CHARTERED BANK‖ plays a crucial role in bettering
our life style.
Title of the Project: “ STANDARD CHARTERED BANK”

V
OBJECTIVES & SCOPE
The objective of study is to gather practical knowledge regarding over all
banking system and its operations. Theoretical classes of BBA provide us
theories regarding different subjects where as practical training gives us the
chances to view those systems and their operations. The principal intent of
this report is to analyze the trends modern banking and their customer‘s
services. The main objective of this project report is to make an analytical
study of Standard Chartered Bank. It includes the following:
 To know about the SWOT analysis of ―standard chartered bank‖
 To know about the financial position of ―standard chartered bank‖
 To know about the mission and objectives of this bank
 To conduct comparison of the savings account with other leading banks of
Bangladesh.
 To know the latest news of share price and its financial positions
 To study the services of Branches and various Booths
 To describe the call centre, ATM facilities, ibanking and other facilities provided
by SCB.
 To understand the other alternative customer services of the origination.
 To know about the formation of a foreign bank
 To know the social responsibilities performed by ―standard chartered bank‖
 To know the unique services provided by standard chartered bank.
 To know about the key people who contributed mostly to ―standard chartered bank‖
 To know about the share price comparison of different years
 To provide the recommendation for improvement of SCB

VI
Chapter Chapter Title Pages
One Introduction 1-16
1.1 Historical Background Of SCB
1.2 Strategy Of Standard Chartered Bank
1.3 Success Of Standard Chartered Bank
1.4 Standard Chartered Bank Focus On Basic
Banking
1.5 Our Highlights And Achievements In 2012
1.6 Standard Chartered Offer Includes:
1.7 Our Priorities In 2013
1.8 Our Philosophy
1.9 Our Approach
1.10 Atm & Branch Locations
Two Business Area of The Company 17-23
2.1 Product Mix Of The Company
2.2 Some Of The Principal Subsidiaries Of
The Company
2.3 Awards And Achievements
2.4 Controlling And Firing Of Employees
2.5 Advancement And Promotion
2.6 Employee Benefits
2.7 Swot Analysis Of Standard Chartered

VII
Bank
Three Banking Services: 24-80
3.1 Personal Banking
3.2 Preferred Banking
3.3 Priority & International Banking
3.4 Sme Banking
3.5 Islamic Banking
Four Financial Aspects Of Standard
Chartered Bank
81-88
4.1 Key Performance Indicators
4.2 Share price comparison of three days
4.3 Balance Sheet Of Standard Chartered
Bank
Five Social Responsibility 89-99
5.1 Corporate Social Responsibility At
Standard Chartered Bank, Bangladesh
5.2 Social Responsibilities Carried Out By
Standard Chartered Bank Throughout The
World

VIII
Figure no Name Pages
1 Philosophy 7
2 Swot analysis 23
3 Normalised earnings per share 81
4 Normalised return on shareholders' equity 81
5 Operating income by region in 2011 81
6 Consumer Banking
Net Promoter Score (NPS)1
Index
82
7 Wholesale Banking
Core bank to more clients
$ income
82
8 Capital ratios
%
83
9 Operating income 83
10 Grand Mean 83
11 Standard chart PLC 86

Chapter 1: Introduction
Standard Chartered Bank is one of the most famous and largest multinational bank in the
world. Standard Chartered is a leading international banking group. It has operated for over
150 years in some of the world‘s most dynamic markets and earns around 90 per cent of its
income and profits in Asia, Africa and the Middle East. It operates a network of over 1,700
branches and 68 outlets (including subsidiaries, associates and joint ventures) across more
than 70 countries and employs around 89,000 people. This geographic focuses and
commitment to developing deep relationships with clients and customers has driven the
Group‘s growth in recent years. Standard Chartered PLC is listed on the London and Hong
Kong stock exchanges as well as the Bombay and National Stock Exchanges in
Bangladesh. It is committed to building a sustainable business over the long term and
upholding high standards of corporate governance, social responsibility, environmental
protection and employee diversity.
The Standard Chartered Bank opened its operation in Chittagong in 1947 which, at that
time was the eastern region of the newly created Pakistan. The branch opened mainly to
facilitate the post war re-establishment and expansion in South East Asia. The bank opened
its first branch in Dhaka in 1966 and shifted it‘s headquarter from Chittagong to Dhaka
after the birth of the Republic of Bangladesh in 1971.
The bank increasingly invested in people, technology and premises as its business grew in
relation to the country‘s thriving economy. SCB acquired ANZ Grind lays Bank for 1.34
billion dollars in the year 2000. The new venture that is the merger was named as Standard
Chartered Grindlays Bank. Now after the takeover it is known as Standard Chartered Bank.
Recently it also has acquired AMEX bank and has grown even more in strength and size as
well as customer base.
Extensive knowledge of the market and essential expertise in wide financial services
underline Standard Chartered Bank‘s strength to build business opportunities and
institutional clients at home and abroad. Continuous upgrading of technology and control
system has enabled the bank to offer new services, which include 33 ATM booths, Phone
Banking services through call center, SMS banking and I-banking on a 24 hour basis

2
through its 24 branches. Standard Chartered Banks services in Bangladesh, ranges from
Personal & Corporate Banking to Institutional Banking, Treasury and Custodial services
which has resulted in the expansion of the bank since its inception.
Standard Chartered at a glance:
Leading the Way in Asia, Africa and the Middle East
Type Public limited company
Traded as
 LSE: STAN
 SEHK: 2888
 NSE: STAN
 NASDAQ: SCBFF
Industry Banking, Financial services
Predecessor(s)
 Standard Bank
 Chartered Bank
Founded 1969 (London)
Headquarters London, United Kingdom
Area served Worldwide
Key people
Sir John Peace
(Chairman)
Peter Sands
(Group Chief Executive)
Services
Credit cards
Consumer banking
Corporate banking
Investment banking
Mortgage loans

3
Private banking
Wealth management
Revenue US$ 18.258 billion (2012)[1]
Operating income US$ 19.071 billion (2012)[1]
Net income US$ 4.985 billion (2012)[1]
Employees 86,865 (2011)
Website www.standardchartered.com
1.1 HISTORICAL BACKGROUND OF SCB
The name Standard Chartered basically comes after two banks which merged in 1969.
They were originally known as the ―Standard Bank‖ of British South Africa and the
―Chartered Bank‖ of India, Australia and China.
Of the two banks, the ―Chartered Bank‖ was established by Royal Charter from Queen
Victoria in 1853. The key person behind the Chartered Bank was a Scot, James Wilson. He
started ―The Economist‖, which is still one of the world‘s pre-eminent publications and
during his early days he also made his fortune in London making hats. He visualized the
advantages of financing the growing trade links with the areas in the east, where none of
the other financial institutions were present at that time and as such the Chartered Bank
opened two branches in 1858 in Chennai and Mumbai. The same year the bank opened
another branch in Shanghai. The following year the Chartered Bank opened a branch in
Hong Kong and an agency in Singapore. In 1861 the Singapore agency was upgraded to a
branch which in turn financed the rapidly developing rubber and tin industries in Malaysia.
In 1862 the Chartered Bank was authorized to issue bank notes in Hong Kong.
Subsequently it was also authorized to issue bank notes in Singapore, a privilege it
continued to exercise up until the end of the 19th Century.
On the other hand, the ―Standard Bank‖ was founded by Scot, John Paterson in 1862. He
immigrated to the Cape Province in South Africa and very soon he became a successful
merchant there. He also visualized the great trading possibilities between Europe and his
adopted country.3

4
From the very beginning both the banks were keen to capitalize on the huge expansion of
trade between Europe, Asia and Africa and to reap the handsome profits to be made from
financing that trade and for that they expanded and prospered with time and decided to
merge in 1969. After the merger the new shares of the Standard and Chartered Banking
Group Limited were listed in the London Stock Exchange on January 30th, 1970. Although
the two banks merged in 1969, but their operations were being executed from two different
headquarters, until on June 1980, the original building of the Chartered Bank was
demolished and a new headquarter of the Standard Chartered Bank PLC was opened on
March 20th, 1986. Right after the merger the bank experienced continuous growth and
expansion in United States and Europe, which led the bank to be one of the top 100 listed
banks in the world. Moreover, it was also judged the best bank in the Asia-Pacific region in
1993 and 1994 for its excellent service and growth rate as
well. The Standard Bank was founded in the Cape
Province of South Africa in 1862 by John Paterson, and
started business in Port Elizabeth in the following year.
The bank was prominent in financing the development of
the diamond fields of Kimberley from 1867. It later
extended its network further north to the new town of Johannesburg when gold was
discovered there in 1885.The bank expanded in Southern, Central and Eastern Africa and
had 600 offices by 1953. In 1965, it merged with the Bank of West Africa, expanding its
operations into Cameroon, Gambia, Ghana, Nigeria and Sierra Leone.
In 1987 Standard Chartered Bank sold its stake in the Standard Bank, which now operates
as a separate entity.
1.2 Strategy of Standard Chartered Bank
We aspire to be the world's best international bank, leading the way in Asia, Africa and the
Middle East.
We focus on building deep and long-standing relationships with our clients and customers
and constantly look to improve the quality of our products and services.

5
The organization structure of Standard Chartered Bank
1.3 Success of Standard Chartered Bank
In the last ten years we have reported record income and profits. Twenty-six of our markets
now deliver over US$100 million of income.
Listed on the London, Hong Kong and Mumbai stock exchanges, we rank among the top
20 companies in the FTSE-100 by market capitalisation.
1.4 Standard Chartered Bank focus on basic banking
Our success is a result of being obsessed with the basics of banking - balancing the pursuit
of growth with a disciplined management of costs and risks and keeping a firm grip on
liquidity and capital.
Through our international network and expertise, we facilitate trade across markets, enable
multinational clients to conduct complex business transactions and service the needs of an
increasingly international consumer base.
CEO
(Banglade
sh)
Head of
corporate
And
institutional
banking
Head of
Treasury
Head of
Legal and
Complian
ce
Head of
Human
Resource
Head of ITHead of
corporate
and
external
affairs
Head of
consumer
banking
Unit
Head
Unit
Head
Unit
Head
Unit
Head
Unit
Head
Unit
Head
Unit
Head
Senior
Manager
s
Senior
Manager
s
Senior
Manager
s
Senior
Manager
s
Senior
Manager
s
Senior
Manager
s
Senior
Manager
s
Manager
s
Manager
s
Manager
s
Manager
s
Manager
s
Manager
s
Manager
s
Assistant
manager
s
Assistant
manager
s
Assistant
manager
s
Assistant
manager
s and
officers
Assistant
manager
s and
officers
Assistant
manager
s and
officers
Assistant
manager
s and
officers

6
1.5 Our highlights and achievements in 2012
 Consistent performance, delivering 10 consecutive years of income and profit
growth
 Diversified income streams across customers and clients, products and geographies
 Disciplined management of costs, creating investment capacity in both businesses
 A robust risk management process has delivered portfolios with good credit quality
in both businesses
 Very strong, conservatively positioned balance sheet, and strong capital ratios, with
a Core Tier 1 ratio of 11.7 per cent
 A highly liquid and stable mix of deposits and an advances-to-deposits ratio of
74.1 per cent
 The Group‘s funding structure remains conservative with limited refinancing
required over the next few years.
1.6 Standard chartered offer includes:
 Personal finance.
 Credit cards.
 Priority banking.
 Investment advisory services.
 Personal investments.
 Insurance.
 Deposits and Retail services
 Retail FX products.
Some of the Retail FX products include:
 FX Margin Trading.
 Currency Trading.
 Premium Currency Deposit.
o Principle Protected Currency Deposit
1.7 Our priorities in 2013

7
 We will continue to be disciplined in the execution of our strategy, focusing on the
basics of banking, funding before lending, and delivering superior financial
performance
 Both businesses will continue building strong relationships with our clients and
customers
 We remain committed to capital and liquidity strength and will continue to
proactively manage the balance sheet
 We will be disciplined in the deployment of the scarce resources of capital,
liquidity and investment to higher returning businesses and geographies
1.8 Our philosophy
At Standard Chartered Private Bank, you are central to everything we do. That's why our
relationship with you begins with us getting a clear understanding of your needs and goals.
We work with you
Our investment advisory process is a continuous, disciplined process that we use to ensure
we're meeting your needs. Since your needs change as your circumstances do, our process
is designed to cover your entire lifetime and adapt to your changing needs.
Figure 1: philosophy

8
1.9 Our approach
The relationship we endeavour to build with you is guided by these principles:
 We develop a thorough understanding of your unique circumstances and objectives
 We maintain a strategic, long-term approach that is focused on your needs, rather
than individual transactions
 We recommend innovative financial solutions based on an objective assessment of
your goals
 We maintain a broad, open architecture investment platform that gives you access
to the best wealth management solutions in the world
 We continually evaluate asset managers, markets and products to help ensure your
portfolio delivers consistently strong results
1.10 ATM & Branch Locations
 ATMs
 Branches
 Financial Kiosks
 Deposit Machine
City Location Address
Dhaka Johnson Road 45 Liaquat Avenue, Johnson Rd, Dhaka
Hatirpul-Motalib
Plaza
Motalib Plaza, 8, Paribug, Sonargaon Road,
Hatirpool, Dhaka -1205
Gulshan House SE(C) 2, Road 138, Gulshan Avenue,
Gulshan, Dhaka 1212
The Westin Dhaka Plot # 1, Road # 45, Gulshan 2, Dhaka 1212
Bijoynagor 169 Syed Nazrul Islam Sharani; Purana Paltan
Hazipara 1 West Hazipara, Rampura, Dhaka 1219
Shyamoli 23/A Khiljee Rd, Shyamoli , Dhaka
Mohammadpur-Ring
Road
Ring Road,Mohammadpur, Opposite Japan
Garden City.
Panthapath Saba Moon Tower,152/1/H, Green Road,
Panthapath
Elephant Road 230 New Elephant Road
Baily Road Guide house, Baily Road, Kakrail
Khilgaon-Taltola 934/C, Khilgaon, Taltola, Dhaka

9
Moghbazar 4/1, New Circular Road, Moghbazar
Gulshan Saadiq
Branch
102, Gulshan Avenue, Dhaka-1212
U.S Embassy U. S Embassy, Dhaka
Banasree C/10 Main Road, Banasree, Dhaka
Uttara-Sector 3 Uttara Tower, Plot 1, Jashimuddin Avenue, Sector
3, Uttara, Dhaka.
BAF (Old Airport) Twin Peaks, Old Airport Road, Dhaka
BAT British American Tobaco, Mohakhali, Dhaka
Uttara-Sector 7 SR Tower Plot 105, Road 35, Sector 7, Uttara,
Dhaka
Dhanmondi-Shankar Rashid Building, 69 Satmasjid Road, Sankar,
Dhaka
Moghbazar 8, Shahid Shangbadik Selina Parvin Sharak, Boro
Moghbazar, Ramna, Dhaka-1217
Bashundhara City Bashundhara City, 13/Ka/1, Panthapath, Dhaka-
1215
Rampura 360/1/1. DIT. Road.East Rampura, Dhaka-1217
Banani Road-11 Platinum Suite . House # 58, Road #11, Block #F,
Banani, Dhaka
Dhanmondi 15 Satmosjid Road, Dhanmondi 15 No, Beside Anam
Plaza.
Dhanmondi-Plaza AR Plaza AR, House #2, Road #14 (New),
Dhanmondi R/A, Dhaka-1209
Lions House Lions House, Begum Rokea Shoroni, Beside IDB
Bhaban, Tejgoan.
Mirpur 1 Capital Tower,MIRPUR CIRCULE 1,Dhaka-1216
Kazipara Kazipara, Begum Rokeya Sharani, Mirpur
Grameen Phone
House
Bashundhara R/A, Grameen Phone House.
Lalbag Infront of Lalbag Kella, Old town. Dhaka.
Tejkunipara Air port Road, Tejkunipara, Farmgate, Dhaka.
Ring Road Ring Road.
British Embassy British High Commision, Dhaka.
Silver tower Level-5, Silver Tower, 5/F 52, South Gulshan
SCB
BanglaLink Head
Office
Tiger's Den,SW(H),Plot # 04,Gulshan-1, Dhaka.
Bashundhara Bashundhara R/A
City Centre City Centre, Plot 5/A, Motijheel C/A, Dhaka-1000
Dhanmondi-5 House-6, Road-5, Dhanmondi R/A, Dhaka-1205
Kawran Bazar 53 Kawran Bazar,Dhaka-1215
Kakrail Karnaphuli Garden City, 109 Kakrail Road,
Dhaka-1000
Gulshan 67 Gulshan Avenue, Dhaka
Uttara House-81,Road-7,Sector-4,Uttara, Dhaka-1230

10
Sheraton Annex Building, Sheraton Hotel, 1 Minto Road,
Ramna, Dhaka-1000
Motijheel 18-20 Motijheel, (Alico Building), Dhaka-1000
Banani 14 kemal Ataturk Avenue, Banani, Dhaka-1213
Dhanmondi -
Satmasjid Road
Level 2, Taj Lily Garden
Plot 51, Satmasjid Road, Dhanmondi.
Chawkbazar 12 Water Works Road, Dalpatty,
Chawkbazar,Dhaka
Gulshan North Block-NW(A), 189 Gulshan Avenue (North),
Gulshan, Dhaka-1212
Mirpur Dynasty Tower, Plot-01,Road-12, Block-G,
Section-6, R.A. Pallabi, Mirpur, Dhaka-1212
Sonargaon L101,Pan Pacific Sonargaon Hotel, 107 Kazi
Nazrul Islam Avenue,Dhaka-1215
Savar EPZ Dhaka Export Processing Zone, Zone Service
Complex, Savar, Dhaka.
Narayanganj Narayanganj 26 Shaista Khan Road,Narayanganj
Sylhet
Sylhet
Holding # 7, Noya Sharak, Jail RoadWard #
16,Sylhet City Corporation, Sylhet
Sylhet Motin Tredars East Darga Gate,Sylhet
Uposhahar Mohammadi Mansion, Biswa Road, Sobhanighat,
Sylhet.
Khulna Khulna Jibon Bima Bhaban, KDA Avenue, Khulna
Bogra Bogra Shatani House, Sherpur Road, Bogra-5800
Chittagong Agrabad Sheikh Mujib Road, Agrabad, Chittagong
Station Road JIBON BIMA CORP SHOPPING CENTER,
22/23 STATION ROAD, CHITTAGONG.
Nasirabad Bulbul Centre, 486/B, O R Nizam Road, CDA
Avenue, East Nasirabad, Chittagong
Agrabad PHP House, 31 Agrabad C/A, Chittagong
Chittagong EPZ Chittagong Export Processing Zone, Chittagong
Changoan 7- Changaon in Chg: Plot # 16, Road # 1,
Changaon Residential Area
Probortok Mor Probortok Mor, Chittagong
Jamal Khan 115/B, Jamal Khan Road, Chittagong
Lal Dighi Laldighir Par,Zila Parishad Sadar Rest House cum
Super Market,Chittagong
Sirajuddaula Sirajuddaula Road, Opposite Bider Market

11
BRANCHES
City Branch Name & Address
Dhaka Gulshan Branch
67 Gulshan Avenue
Banking Hours:
Sun to Thu:10:00 am to 8:00 pm
Saturday: 10:00 am to 4:00 pm
North Gulshan Branch
Block-NW(A), 189 Gulshan Avenue (North),
Gulshan 2
Banking Hours (Sun - Thu): 10:00 am to 4:00 pm
Banani Branch
14 Kemal Ataturk Avenue, Banani
Evening Banking (Sun - Thu): 6:00 pm to 8:00 pm
Satmasjid Road Branch
Saturday Banking: 10:00 am to 4:00 pm
Dhanmondi Road# 5 Branch
House 6, Road 5, Dhanmondi R/A
Banking Hours:
Sun to Thu:10:00 am to 8:00 pm
Saturday: 10:00 am to 4:00 pm
Kakrail Branch
Karnaphuli Garden City, 109 Kakrail Road
Kawran Bazar Branch
53 Kawran Bazar
Sonargaon Branch
L101 Pan Pacific Sonargaon Hotel, 107 Kazi Nazrul
Islam Avenue

12
Mirpur Branch
Dynasty Tower, Plot 01, Road 12, Block G, Section
6, Pallabi, Mirpur
City Centre Branch
City Centre, Plot 5/A, Motijheel C/A
Motijheel Branch
Alico Building, 18-20 Motijheel C/A
Chawk Bazar Branch
12 Water Works Road, Dalpatty, Chawkbazar
Savar Branch
Dhaka Export Processing Zone, Zone Service
Complex
Ruposhi Bangla Branch
Ruposhi Bangla Hotel, Annex Building, 1 Minto
Road, Ramna
Uttara Branch
Update Tower, Plot # 1, Shahajalal Avenue, Sector
# 6, Uttara
Saadiq Centre
102 Gulshan Avenue
Chittagong Main Branch
Sheikh Mujib Road, Agrabad

13
Agrabad Branch
PHP House, 31 Agrabad C/A
Khatunganj Branch
Asma Chamber, 1649 (New) Ramjoy Mohajon
Lane, Khatungonj
Nasirabad Branch
Bulbul Centre, 486/B, O R Nizam Road, CDA
Avenue, East Nasirabad
Station Road Branch
Jibon Bima Corp Shopping Center, 22/23 Station
Road
CEPZ Branch
Zone Service Complex Chittagong Export
Bogra Bogra Branch
Shatani House, Sherpur Road
Khulna Khulna Branch
Jibon Bima Bhaban, KDA Avenue
Narayanganj Narayanganj Branch
26 Shaista Khan Road (near Narayanganj Club)
Sylhet Sylhet Branch
7 Noya Sharak, Jail Road, Ward # 16

14
Service Offered: Business Hour:
 Account Opening
 Debit Card Request
 Cheque Book Request
 Cash Withdrawal & Deposit
 Cheque Deposit
 Bill Payment
 Certificate & Statement Request
 Address & Contact Number
Update
 Account / Transaction Related
Queries
 Loan Information
 Credit Card Related Queries
 Debit / Credit Card Replacement
 Online Banking
 Phone Banking
 Remote Banking Enrollment
 Self-service Lobby:
24 hours
 Sales & Service Consultation:
Sunday to Thursday :
9:00 am to 8:00 pm
Friday:
10:00 am to 1:00 pm &
3:00 pm to 6:00 pm
Saturday:
10:00 am to 6:00 pm
Area Address
Tejkunipara Tejkunipara Kiosk, 78/1 Tejkunipara, Tejgaon, Dhaka 1215
Gulshan Banasree Kiosk, C/10 Banasree Main Road, Banasree, Dhaka 1219
GP Kiosk, GP House, Plot 236, Block B, Bashundhara R/A, Dhaka
1229
Priority Financial Kiosk © The Westin Dhaka, Plot # 1, Road # 45,
Gulshan 2, Dhaka 1212
Motijheel Bijoynagar Kiosk, 169 Syed Nazrul Islam Sharani, Purana Paltan,
Dhaka 1000
Taltala Kiosk, 934/C Taltola, Khilgaon, Dhaka 1219
Hajipara Kiosk, 1 West Hazipara, Rampura, Dhaka 1219
Kawran Bazar Panthapath Kiosk, Saba Moon Tower, 152/ 1 H Panthapath, Dhaka
1205
Mogbazar Kiosk, 4/1 New Circular Road, Moghbazar, Dhaka 1217
Elephant Road Kiosk, 230 New Elephant Road, Dhaka 1205
Chawk Bazar Lalbag Kiosk, 46 Lalbag, Dhaka 1211
Shyamoli Ring Road Kiosk, 8 Adarsha Chayanir, Ring Road, Shyamoli , Dhaka
1207
Mirpur Kazipara Kiosk, 796 Haji Tower, Kazipara, Mirpur, Dhaka 1216

15
Bashundhara
R/A
Haveily Center, Ka-11/2/A, Jagannathpur, Bashundhara Road, Dhaka
1229
Uttara Auckland Center, House 11, Road 6, Sector 4, Uttara, Dhaka 1230
Chittagong Chandgaon Kiosk, Plot 16, Road 1, Chandgaon R/A, Chittagong 4212
Probartak More Kiosk, 1486 / 1672 OR Nizam Road, Probartak More,
Chittagong 4203
Sirajuddaulah Kiosk, 85/86 Sirajuddaulah Road, Dewan Bazar,
Chittagong 4203
Sylhet Uposhohor Kiosk, 341 Mohammadi Mansion, Biswa Road,
Subhanighat, Sylhet 3100
 Deposit Machine
City Location Address
Dhaka
Bijoynagor
169, Syed Nazrul Islam Sharani, Purana Paltan,
Dhaka- 1000
Panthapath Saba Moon Tower, 152/ 1 - H, Panthapath, Dhaka -
1205
Khilgaon 934/C, Taltola, Khilgaon, Dhaka - 1219
Moghbazar 4/1, New Circular Road, Moghbazar
Banasree C/10 Main Road, Banasree, Dhaka
Kazipara Kazipara, Begum Rokeya Sharani, Mirpur
Hazipara 1 West Hazipara, Rampura, Dhaka 1219
Elephant Road 230 New Elephant Road
Lalbag Infront of Lalbag kella
Tejkunipara Air port Road, Tejkunipara, Farmgate, Dhaka.
Ring Road Ring Road Shymoli, Dhaka.
Bashundhara R/A Bashundhara R/A
City Center City Centre, Plot 5/A, Motijheel C/A, Dhaka-1000
Chawkbazar 12 Water Works Road, Dalpatty, Chawkbazar,Dhaka
Dhanmondi-5 House-6, Road-5, Dhanmondi R/A, Dhaka-1205
Gulshan 67 Gulshan Avenue, Dhaka
The Westin Dhaka Plot # 1, Road # 45, Gulshan 2, Dhaka 1212
Uttara House-81,Road-7,Sector-4,Uttara, Dhaka-1230
Motijheel 18-20 Motijheel, (Alico Building), Dhaka-1000
Banani 14 kemal Ataturk Avenue, Banani, Dhaka-1213
Dhanmondi -
Satmasjid Road
Mirpur Dynasty Tower, Plot-01,Road-12, Block-G, Section-
6, R.A. Pallabi, Mirpur, Dhaka-1212

16
Kawran Bazar 53 Kawran Bazar,Dhaka-1215
Kakrail Karnaphuli Garden City, 109 Kakrail Road, Dhaka-
1000
Sheraton Annex Building, Sheraton Hotel, 1 Minto Road,
Ramna, Dhaka-1000
Narayangonj 26 Shaista Khan Road,Narayanganj
Gulshan North Block-NW(A), 189 Gulshan Avenue (North),
Gulshan, Dhaka-1212
Savar EPZ Dhaka Export Processing Zone, Zone Service
Complex, Savar, Dhaka.
Sonargoan L101,Pan Pacific Sonargaon Hotel, 107 Kazi Nazrul
Islam Avenue,Dhaka-1215
Chittagong Agrabad Sheikh Mujib Road, Agrabad
Nasirabad Bulbul Centre, 486/B, O R Nizam Road, CDA
Avenue, East Nasirabad
Agrabad PHP House, 31 Agrabad C/A
Station Road Jibon Bima Corp Shopping Center, 22/23 Station
Road
Changoan Changon, Chittagong
Probortok Mor Probortok Mor, Chittagong
Sirajuddaula Sirajuddaula, Chittagong
Sylhet
Sylhet
Holding # 7, Noya Sharak, Jail RoadWard #
16,Sylhet City Corporation, Sylhet
Uposhahar Mohammadi Mansion, Biswa Road, Sobhanighat,
Sylhet.

Chapter 2
Business area of the company
The company operates through a number of subsidiaries including SCB, one of the leading
international banking and financial services company. SCB particularly focuses on the
markets of Asia, Africa and the Middle East. The company has no significant operations or
assets other than its 100% interest in SCB.
Business Division
 Consumer Banking: Consumer Banking products and services include banking
services, deposit-taking services, credit cards, personal loans, mortgages, auto
finance and wealth management services. Major markets include Hong Kong,
Singapore, Malaysia, Indonesia, Korea, Pakistan, Bangladesh, Taiwan and the
UAE.
 Wholesale Banking: With business operations located in Singapore and a delivery
footprint that spans its network, Standard Chartered?óÔé¼Ôäós Wholesale
Banking business provides corporate and institutional clients with trade finance,
cash management, securities services, foreign exchange and risk management,
capital raising, corporate and principal finance solutions.
For the year ended 31 December 2009, Consumer Banking and Wholesale Banking
contributed 17% and 79% respectively, of Standard Chartered?óÔé¼Ôäós operating profit
before taxation and impairment.
2.1 Product Mix of the company
 Transaction Banking: The group is a global leader in the provision of transaction
banking services. It provides basic lending services, as well as a full suite of trade
finance, securities services and cash management products and services.

18
 Financial Markets: The financial market at Standard Chartered is a globally
integrated business spanning Asia, Africa, the Middle East, the UK and US.
Financial Markets includes trading functions such as equities, commodities, fixed
income trading (rate, foreign exchange and credit), the group?óÔé¼Ôäós capital
markets business and structured products.
 Corporate Finance: The corporate finance business at the group has shown
growth in recent years. It is one of the key focal points for the wholesale banking
strategy of adding sophisticated product and service capability and as such,
accounts for an increasing proportion of the company?óÔé¼Ôäós overall business.
The corporate finance offers corporate advisory services focusing on mergers and
acquisitions advisory services and 103 leveraged finance.
 Principal Finance: Standard Chartered?óÔé¼Ôäós principal finance business
focuses on corporate private equity, infrastructure and real estate (through a
dedicated fund in each area) and alternative investments. The focus in private
equity is on investing in mid-to-late stage companies and management buy-outs
and focuses on companies across the Standard Chartered footprint.
2.2 Some of the principal subsidiaries of the company are:-
 Standard Chartered Bank, England and Wales
 Standard Chartered First Bank Korea
 Standard Chartered Bank Malaysia Berhad,
 Standard Chartered Bank (Pakistan) Limited,
 Standard Chartered Bank (Taiwan) Limited,
 Standard Chartered Bank (Hong Kong)
 Standard Chartered Bank (China) Limited,
 Standard Chartered Bank (Thai) Public
 Standard Chartered Bank Nigeria Limited,
 Standard Chartered Bank Kenya Limited,
 Standard Chartered Private Equity Limited, Hong Kong
2.3 Awards and Achievements
 Asian Banking and Finance Retail Banking Awards 2008

19
 Private Banker International Awards 2008
 2008 Euromoney Awards For Excellence
 Global Finance Stars of China Awards 2008
 Asia Interactive Awards 2008
 CNBC Financial Advisors Award 2008
 British Business Awards 2008
 The Asian Banker Excellence in Retail Financial Services Awards 2008
 Global Finance 2008
 Kenya Annual Banking Gala 2008
 The Asset Triple A Asian Awards 2008
 The Asian Banker Awards
 Euromoney Islamic Finance Awards 2008
 Euromoney Awards for Excellence 2008
 FinanceAsia Country Awards 2008
 Global Finance Awards 2008
 Global Finance Best Sub-Custodian Bank Awards 2008
 Global Finance Best Internet Bank Awards 2008 and many more
2.4 Controlling and Firing of Employees
Performance monitoring is continuous and strict at Standard Chartered Group. The average
number of working hours in a week is between 42 to 55 hours. The employees have daily
assignments and are required to clear them by the end of the day. The superiors monitor
the subordinates, which is facilitated by the seating arrangement in the office. Control
mechanisms involve budgeting, rewarding, punishing, incentives, benchmarks, etc. If the
offence of the employees is not too strong, he/she is warned prior to the firing process.
Reasons for firing may involve: lack of efficiency, not performing to the level of
satisfaction, breaking the Code of Conduct set by the organization, etc.
2.5 Advancement and Promotion
The advancement and promotion of a staff is based on performance. An annual appraisal
of staff is done at the end of the year where the assessment is based on fulfilling the

20
SMART objectives, which is rated. The assessment process involves eight steps. It begins
with individuals rating a self-assessment form and at one point the manager obtains an
overall performance from the ratings of the individual as well as consultation with his own
superior.
2.4 Employee Benefits:
The employees are paid according to their rank and status in the bank. The remuneration
package is comparable to other leading foreign banks. The basic benefits that are provided
to the staff members are briefly stated below:
Incentive Plans: Incentives are totally based on performance. It is assessed by an annual
appraisal of the employees. After it is done, if an employee reaches a certain level of
achievement then he/she receives a bonus. Another incentive plan of Standard Chartered
Bank is the ―Spot Bonus.‖ If an employee performs exceptionally well for the interest of
the bank, the bonus is awarded on the spot for the achievement.
Finally, there is another type of incentive called the ―Bonanza,‖ although it is not
considered as part of the employee benefits. The incentive plan is activated under special
circumstances. For example, recently a deposit drive was activated in the bank and 42
staff members were awarded free air tickets as they managed to attain a certain level of
deposits.
Pension Plans: The Bank does not have any pension plans for the employees.
Number of Paid Holidays: Standard Chartered Group allows 45 days paid holiday in a
year for each employee.
Insurance Policies: Employees enjoys excellent medical insurance policy, but both the
banks do not cover all its employees with life insurance.
Bonuses: SCB give bonuses to its employees twice a year in the two religious festivals of
the country, namely the two Eids, apart from the performance-based bonuses mentioned
earlier.

21
Recreation Facilities: The employees can play cricket in one of the major clubs of the
country and the Bank pays the club fees.
2.5 SWOT Analysis of Standard Chartered Bank
Strength
 global presence
 cost advantages from proprietary know-how
 favorable access to distribution networks
 good reputation among customers
 strong brand names
 Good & diverse product
 Competitive rates
 Support of its parent company and promoter’s viz. Standard Chartered
Bank.
 Market position is strong
 Aggressive foreign bank
 Shareholders return has grown more than 7 times
 Maintain a position as a leading Asian cash management provider
 Brand – SCB‘s modern and dynamic look appeals to thegrowing middle
income earners
 On of the most profitable MNC in India
 Improved product proposition
 Better geographic balances
 Multi-cultural organization that offers opportunities to good managers
Opportunity
 removal of international trade barriers
 arrival of new technologies

22
 an unfulfilled customer need
 The growing interest of people in the Derivative and foreign
exchange market.
 Branch expansion for rapid growth
 Increase focus on value creation in whole banking
 Improve shareholders return
 Building market share in consumer banking as consumer banking
continues to offer highest potential for growth
 Broadening of the demographic base
 Tie ups with master card network
Weakness
 RM doesn’t give much importance on small companies
 Account access problem of customers
 lacks implication of homogenization and personalization
 H D F C , I C I C I , A B M - A M B R O , K O T A K a n d H S B C a r e
dominant players
 Has disadvantage due to last entry
 Fewer locations as compared to other MNC banks
 Service delivery reception is weak
Threats
 Standard charter bank
 IDBI is pitching in quite aggressively
 Citibank is expanding in new markets
 Reduced business in OECD business
 Proposed networking of all branches in next 6 months
 Competitive products and offers from ICICI and HDFC

23
SOWT analysis
weakness
17%
threat
15%
opportunity
25%
streangth
44%
Figure: 2

Chapter 3: Banking services
We combine global capabilities with deep local knowledge to provide innovative products
and services to meet the needs of our customers and clients.
3.1 Personal Banking
3.2 Preferred Banking
3.3 Priority & International Banking
3.4 SME Banking
3.5 Islamic Banking
N;B: All the topics about their banking services are discussed in depth in the
following chapters. Things to be noted that all the information mentioned below
focuses the banking activities in Bangladesh.
3.1
3.1.1 Mortgages
In many of the markets where standard chartered operate, especially in key markets of
Hong Kong, Singapore, Malaysia, they are reported to be the market leader for mortgages.
Their experienced and dedicated teams will guide the individual in every single step to
enable him a smooth and hassie-free experience, offering him rates and repayment
packages most suitable, start by trying our ―instant approval‖ service.
Unique features:
 Low interest rates, option of flat or reducing interest rates.
 Low EMI (equated monthly instalments).
 No hidden costs like processing charge. Everything is done up front.
 Quick approval and realization
 Tax benefits.
 No unfair collateral demands.
 A simple mortgage process.

25
3.1.2 Personal loans
Standard Chartered bank helps the customer to de in control of his/her own finances.
Personal loans, without any guarantees or collaterals, are available to customer to meet
specific credit needs. Choose instalment loan or Revolving loan, whatever suits best.
Whether planning a vacation, re-decorating home, paying for child‘s college education, or
simply wish to have a standby line of credit for unforeseen expenses, Standard Chartered
Bank‘s personal loans can help fulfill the dreams.
Personal loan is specially designed to get the money need in time, without having to
answer unnecessary questions, and without any collateral or mortgages.
Unique features:
 Choose the repayment plan most convenient, ranging from a compact 12-months
period to a comfortable 36-monthspan.
 Free to use the money for renovating house or meeting some unexpected expenses
etc.
 No collateral or security.
 Quick and easy processing.
3.1.3 Maintaining accounts with the standard chartered bank
DEPOSITS
DEMAND DEPOSITS TIME DEPOSITS
SAVINGS A/C CURRENT A/C FIXED DEPOSITS
SUPER SAVERS
PREMIUM ACCOUNT
SUPER SAVERS
ACCOUNT
ESAVERS SAVINGS
ACCOUNT
SCHOOL BANKING
ACCOUNT
CURRENT A/C
FAST CURRENT A/C
FOREIGN CURRENCY
CURRENT A/C
RESIDENT FOREIGN
CURRENCY DEPOSIT A/C
CONVERTIBLE & NON-
CONVERTIBLE A/C
FIXED DEPOSIT
ON-RESIDENT FOREIGN
CURRENCY FIXED DEPOSITA/C
ON-RESIDENT FOREIGN
CURRENCY FIXED
DEPOSITA/C

26
Savings Account
A. Super Savers Premium Account
Welcome to the world of privilege with Standard Chartered Super Savers Premium
Savings Account. This special Savings account is to offer you the very best in rates,
services & conveniences.
Special Features
 Maintain a monthly average balance of BDT 500,000
 Enjoy higher Interest rates by maintaining monthly average balance of BDT
500,000
 Get your interest every month. Interest will be accrued on monthly average balance
and applied monthly.
 Platinum Initial Opening Account with BDT 500,000
 Debit Card with your Premium account for ATM and POS transactions.
 Familink Add-on Card: An Add-on Debit Card for your loved ones.
 Enjoy greater conveniences with best Fast Track services and Value Propositions
B. Super Savers Account
You want a Savings Account that understands your need better! The Standard Chartered
Super Savers brings you the ultimate trust, security and convenience in Savings Account.
Special Features
 Maintain a minimum balance of BDT 100,000
 NO Interest Forfeiture Rules: Interest will be accrued on monthly average balance
and applied at each quarter-end.
 NO Counter Transaction fee.
 Debit Card for both ATM and POS transactions.
 Familink Add-on Card: An Add-on Debit Card for your loved ones.

27
C. eSavers Savings Account
eSavers Account is a unique Savings Account with Remote Banking solutions bundled
with exclusive Customer Value Propositions. Here, the accountholders will be primarily
using our world-class Digital. Banking channels for their transactions and other regular
banking needs.
 Maintain a minimum balance of BDT 50,000
 NO Interest Forfeiture Rules: Interest will be accrued on monthly average balance
and applied at each quarter-end.
 Familink Add-on Card: An Add-on Debit Card for your loved ones. Click here for
more detail.
 World-class Alternate Channels: 24-hours Contact Center, Internet Banking, e-
Statements, ATMs, BillsPay Centres & Breeze Balance / SMS Banking.
 Counter Transactions at branches are not allowed.
 Debit Card is available
 25-leaves Cheque book (Account-payee only).
 Online Banking with the ability of Fund transfer from Standard Chartered account
to any BEFTN member bank account.
 24-hours Phone Banking.
 Breeze Balance / SMS Banking.
 e-Statements.
 Utility Bill Payment through Auto BillsPay and Online Banking.
ELIGIBILITY
 Nationality: Bangladeshi.
 Age: 18 years or above.
 Balance Requirement: Need to maintain a minimum balance of BDT 50,000
D. School Banking Account
Standard Chartered Bank brings School Banking Account for those kids who aspire to be
in the mainstream of life from their very first day at school. Any school going child can
open a School Banking Account with his/her parent and start saving for the future. This

28
account is meant to help our future generation to grow up with a Savings habit along with
being accustomed with the banking culture. So let the savings grow along with your child.
Special Features
 Account will be opened jointly with parents; it will be treated as a Minor account.
 Interest will be earned on monthly average balance and applied to the account
Quarterly.
 No initial deposit requirement.
 No minimum balance requirement.
 No Account Maintenance Fee
 Fast Track services and Value Propositions
Education Savings Scheme:
The Education Savings Scheme gives the customer the opportunity to create long term wealth for
their children. Through this scheme the customer can invest part of his/her monthly income in
equal monthly instalments and at maturity the customer will be rewarded with a handsome amount
that the customer will be able to use to defray any expenses that the customer may have to incur.
Convenient:
Unlike the other banks in Standard Chartered the customers do not require to come to the
bank or send someone to deposit the installments. Installments will be deducted
automatically from any transaction account that you will be required to maintain with SCB.
Features:
1. This is a fixed term savings scheme to be sold in units.
2. Customer can buy any number of units.
3. The scheme requires an initial deposit Tk. 10000.00, which will be followed by
monthly installment of Tk. 1000.00 per unit.
4. The scheme is for 3 years, 10 years, or 15 years.
5. It will be a non transactional account where interest will accrue on daily basis and will
be credited on monthly basis.
6. The sign – up fee for the scheme will be Tk. 250.00 per unit, with a minimum of Tk.
500.00 and maximum of Tk. 2000.00.
7. If any customer desires to discontinue the scheme prior to maturity, a penal fee @ Tk.
250.00 per unit (with a minimum of Tk. 500 and maximum of Tk. 5000.00) will be
deducted from the account and the balance proceeds (calculated on the amount

29
incorporating the last interest credit amount, the fraction days will not be considered)
will be credited to his transaction account.
8. Failure to make three consecutive installments will result in immediate closure of the
scheme and a penal fee @ Tk. 500.00 per unit will be charged.
9. In case of forced closure (non payment of three consecutive installments) before 1
year, a penal charge @ Tk. 2000.00 per unit will be charged.
The interest rate applied on the collection account will be 3% higher than the rate offered on the
scheme account.
Schedule of Tenure and Terminal values for one unit:
Fig: Schedule of Tenure and Terminal values for one unit
Current Account
A. Current Account
Standard Chartered Current Account comes with a host of features and benefits to
smoothen your everyday banking!
Special Features
 Minimum balance requirement for opening a Local Current Account is BDT
100,000
 Cash Line overdraft facility is available in Local Current Account.
 No average balance fee.
Tenor Initial
Deposit
Monthly
Savings
Total
Payment By
Customer
Profit Value at
Maturity
3 Years 10,000.00 1,000.00 46,000.00 51,751.00 51,751.00
5 Years 10,000.00 1,000.00 70,000.00 67,274.00 83,070.00
10 Years 10,000.00 1,000.00 1,30,000.00 67,274.00 178745.00

30
B. Fast Current Account
Standard Chartered introduces Fast Current Account, a new type of Current Account
comes with a host of features and benefits to smoothen your everyday banking at no cost!
Special Features
 Account will be in Local Currency
 Account opening balance: BDT 100,000
 Monthly Minimum Balance requirement: BDT 100,000
 No Account maintenance fee
 No Debit Card fee. Free Platinum Debit Card.
 No Cheque book fee
 50% discount for Cashline processing fee
 50% waiver on Gold and Platinum Credit Card annual fee during on-boarding of Fast
Current Account (subject to standard income assessment).
 25% waiver on the Processing fee of Personal Loans (Condition: this Offer is subject to
3 months minimum Balance maintenance)
C. Foreign Currency (FCY) Current Account
You can open a Foreign Currency Current Account in USD, GBP and Yen without
restriction on transaction frequency; where the fund remains in foreign currency and is
freely remittable.
Special Features
 Foreign Currency Current Account can be opened with zero balance
 Deposit can be made in foreign currency only (Cash, Drafts or transfer from other
FCY Accounts).
 There is no account maintenance fee in Foreign Currency Current Account
 Cash can be withdrawn in local currency.
 Fund Remittance (in both LCY and FCY) to any place in and out of the country
(without restriction).
 Fund can be used to make investment in Wage Earners' Development Bond.
 International Debit Card is available (only for FCY Current Accounts in USD).

31
D. Resident Foreign Currency Deposit (RFCD) Account
Resident Foreign Current Deposit (RFCD) Account is allowed for resident Bangladeshi
nationals only who have returned from abroad; which offers you the ultimate convenience
and flexibility in managing and accessing your foreign currency.
Special Features
 Interest bearing foreign currency account.
 Minimum Account opening balance is USD 1,000 or GBP 500 or equivalent
EURO.
 Multi-currency deposit facility: USD, EUR, GBP
 International Debit and Credit Card is available (only for RFCD Current Accounts
in USD).
 No account Maintenance Fee
 No Cheque Book Facility
E. Convertible & Non-Convertible Current Account
Convertible Taka Account is a special type of account which can receive funds in FCY but
the balance will convert into Taka. The balance in that account can be freely repatriated
abroad or can be disbursed locally in Taka.
Special Features
 Cheque book facility.
 Debit Card facility for individuals.
 Banks can pay interest on the deposit of a convertible Taka account but the interest
will have to be disbursed in a Non-convertible Taka Account and no portion of the
interest can at any time be repatriated abroad.
 The account holder can issue FCY for travel purpose.
 Can be opened with zero balance.
 Overdraft facility is not available.
Fixed Deposit

32
A. Fixed deposit
Our Fixed Deposits make your money work for you! With the advantage of the expertise
of the Standard Chartered Bank, resources and experience, you can assure of maximizing
the growth potential of your savings safely.
 Perfect combination of liquidity and returns
 Affordable Opening Balance
Our wide range of fixed deposit products are the perfect combination of liquidity and
returns. You have the freedom to choose from the desired period from one month to Five
years. If you need cash before the end of your fixed deposit term, Overdraft/Loan facilities
are available against security of the deposit without losing the interest earning.
B. On-Resident Foreign Currency Deposit (NFCD) Account
It is an Interest bearing Foreign Currency (FCY) Term Deposit account.
Special Features
 No fees and charges.
 Dual-Nationals can open this account.
 Funds along with interest in these accounts can be freely repatriated abroad.
 No tax on interest.
 FCY can also be converted into Taka.
 The fund must be present in the account for at least 1 month to earn interest.
MILLIONAIRE SCHEME
This is a fixed term savings scheme. Customer can buy any number of Millionaire Scheme.
As a matter of fact customers mainly do this thinking their future. The customer can not be
said as millionaire when he / she opens this with BDT.1 Lac.
Just after 5 years and 9 months, he can be declared as millionaire.
Terms & Conditions:

33
1. This is a fixed term savings scheme. Customer can buy any number of Millionaire
Scheme.
2. The scheme requires an initial deposit of BDT. 1, 00,000.00 which will be followed by
monthly installment of BDT. 10,000.00 till maturity.
3. The scheme is for 5 years 9 months and 10 years.
4. It will be non-transactional account where interest will accrue on daily basis and will
be credited on monthly basis.
5. The sign-up fee for the scheme will be BDT. 2,500.00.
6. If any customer desires to discontinue the scheme prior to maturity, a penal fee @
BDT. 5,000.00 will be deducted from his account and the balance proceeds (calculated
on the amount incorporating the last interest credit amount, the fraction days will not
be considered) will be credited.
7. Failure to make three consecutive installments will result in immediate closure and a
penal fee @ BDT. 5,000.00 will be charged.
8. In case of forced closure (non – payment of three consecutive installments) before 1
year, a penal charge @ BDT. 7,500.00 will be charged.
9. The interest rate applied on the collection unit will be 3% higher than the rate offered
on the scheme account.
10. If there is any income tax payable under the scheme, it will be deducted from the
amount payable on the account holder.
SCHEDULE OF TENURE AND TERMINAL VALUES FOR ONE UNIT:
Tenor Initial Deposit Monthly
Savings
Total Payment
By Customer
Profit Value at
Maturity
5 years 9
months
1,00,000.00 10,000.00 7,90,000.00 2,29,429.00 10,19,429.00
10 years 1,00,000.00 10,000.00 13,00,000.00 8,96,631.00 2,196,631.00
Schedule of Tenure and Terminal values for one unit

34
3.1.4 CARDS
Standard Chartered different types of e-cards provide financial flexibility, worldwide
acceptance, and round- the- clock convenience.
Benefits:
 Welcomed at the largest number of merchant outlets across the world.
 Revolving credit facility, allowing repaying card outstanding over time, at a
convenience.
 Cash withdrawal in local currency at Visa and MasterCard linked ATMs across the
world.
 Platinum, Gold or Classic cards to suit lifestyle and needs.
 Smart credit cards with special privileges and security.
 Attractive rewards programs
Credit Card
Get yourself a Standard Chartered Credit Card today and enjoy life to the fullest! Pick your
preferred Card from our wide range of Credit Cards to choose from. We were the first bank
to launch Credit Cards in Bangladesh a decade ago, and we have put this time to good use
to create the right Credit Cards for you while giving a lot of attention to create the benefits
that you desire.
Special Offer: Apply Online for your Credit Card now and enjoy 25% off on the first
year‘s annual fee! This is a limited time offer; so hurry!!
1. VISA Signature Credit Card:
Features and Benefits

35
o Exclusive privileges and amazing discounts at Club Signature @ The
Westin Dhaka
o Up to 15% off on air ticket and Priority Check-in privilege on Qatar
Airways for more than 100 destinations.
o 10% off on air ticket with other exclusive privileges on Singapore Airlines
o Fantastic discounts and privileges at Ocean Paradise Hotel & Resort at
Cox‘s Bazar
o 10% Cash back on Dinning worldwide
o 20% less interest rate
o Double Reward points for all retail spends
o FREE Balaka Business Lounge access with up to 3 immediate family
members at Dhaka International Airport
o Accidental Death Insurance coverage of TK 20,00,000
2.VISA Platinum Credit Card:
o Up to 10% off on air ticket on Qatar Airways for more than 100
destinations.
o Personalize Platinum Privileges for Hotel, Beauty Care and Healthcare both
at home and abroad
FREE Balaka B
o usiness Lounge access with 1 immediate family members at Dhaka
International Airport
o Discounts up to 20% at selected restaurants around the country
o Exclusive Shopping & Travel Discounts within VISA global offering

36
3.MasterCard Platinum Credit Card:
o Up to 10% off on air ticket on Qatar Airways for more than 100
destinations.
at home and abroad
o FREE Balaka Business Lounge access with 1 immediate family members at
Dhaka International Airport
o Discounts up to 20% at selected restaurants around the country
o Exclusive Shopping & Travel Discounts within MasterCard global offering
4.VISA Gold Credit Card:
o Reward Point Redemption for Yearly Fee Waivers
o FREE access to Balaka Business Lounge at Dhaka International Airport
o InstaBuys @ 0% with more than 50 exclusive merchants
o Special privileges and up to 45% Discount for staying at selected hotels
both home and abroad
Exclusive Shopping & Travel
o Discounts within VISA global offering

37
5.MasterCard Gold Credit Card:
o Fee Balaka Business Lounge access at Dhaka International Airport
o Exclusive Shopping & Travel Discounts within MasterCard global offering
6. VISA Silver Credit Card:
o Exclusive First usage discount voucher at outlets like Aarong, Apex, Cats
Eye etc
o FREE Supplementary Card
o Global Usage Privilege

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7.MasterCard Silver Credit Card:
Eye etc
o FREE Supplementary Card
Debit Card
1. Debit card
Debit Card is a smart alternative to cash and meant to make shopping more convenient.
Our Debit Card can be used to pay for purchases at more than 4,000 retail merchants in
Bangladesh and is also accepted in any Visa ATM.
Special Features
 This Debit Card is offered with all BDT Savings and Current Accounts.
 The card is valid only in Bangladesh.
 The Debit Card can be used both to withdraw cash from ATMs and payment at
retail merchants within Bangladesh.
 Transaction alert via SMS if you have enrolled into our SMS banking service.
 The daily transaction limit is as below:
Type of Debit Card
Daily ATM Withdrawal
Limit
Daily Retail Purchase
Limit
Regular Classic Debit Card BDT 100,000 BDT 100,000
Regular Platinum Debit BDT 150,000 BDT 150,000

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Card
Preferred Platinum Debit
Card
BDT 150,000 BDT 150,000
Priority Platinum Debit
Card
BDT 200,000 BDT 300,000
.2. International Debit Card
The International Debit Card can be used worldwide at Visa ATMs for cash withdrawals &
Visa Point-of-Sales (POS) terminals for purchases against your US Dollar Current Account
or RFCD Account maintained with Standard Chartered Bank.
Special Features
 This card is issued only against USD Current Accounts and RFCD Accounts in
SCB.
 The daily ATM withdrawal limit is USD 1,500 and daily POS transaction limit is
USD 5,000 or equivalent currency.
 Internet Transaction allowed.
 Transactions done with your International Debit Card will be available in your
account statement. So you can easily monitor and control your expenses through i-
banking or e-statement from anywhere in the world.
 There is no fund hold / endorsement required for issuing your International Debit
Card; so you can avail the full amount in your account for transactions.
 There are no interest related charges for using the Debit Card as you are actually
paying from your own account.
3. Famililink Add-on Debit Card
―Familink‖ is an Add-on Debit Card for your loved ones and a complete hassle-free
payment solution! Through Familink, you can provide expense allowances to your family
members from your account on a monthly basis; while your loved ones can access the fund
with their Familink Add-on Debit Cards.
Special Features

40
 First Familink Add on Debit Card is FREE for lifetime. A Debit Card Fee will be
charged from the Second Familink Debit Card onwards.
 There is no initial funding requirement for the opening the Familink Joint Current
Account. The opening amount will be as desired by the Primary Accountholder.
 Under Familink, the Primary Accountholder can transfer a certain amount of
money every month to the Familink Accountholder (minimum of BDT 3,000)
through a Standing Instruction.
PREPAID CARD
1.Prepaid Gift Card
Standard Chartered Gift Card - The perfect gift for every occasion!
 At Standard Chartered, we believe you are unique in style and taste. We also know
how important it is to get it absolutely right when it comes to buying gifts for
someone special. Now with Standard Chartered Gift Card, your quest for the
perfect gift is over.
It’s convenient!
Leave behind the days of spending your evenings at the shopping malls trying to
find the right gift. Now you can choose a Standard Chartered Gift Card as your gift;
which you can load-up with the amount of your choice. As this is a Visa Card, the
recipient has the option of using this Card to buy his/her product of choice from
outlets* across the country that accept Visa Cards electronically. The recipient can
also withdraw Cash from the ATMs any time of the day.
 After each transaction through a Gift card, the pre-paid value is automatically
deducted for the same amount. The Card remains valid for 18 months from the
issuing date to allow the user to wait for the right opportunity to spend.
Designed for every occasion!
 Keeping in mind the diversity of the occasions for which you would need the Gift
Card, we have four attractive design options for you to choose from:

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It’s flexible!
 Based on your requirement, you can load-up your Gift Card for any amount ranging
from Tk. 1,000 to Tk. 100,000; while paying only a nominal issuing fee. Moreover,
you can pay for the Gift Card through cash or your Standard Chartered Credit
Card/Account.
It’s safe!
 If your Gift Card is lost or stolen, your gift is not. You can easily get a replacement
Card by contacting our 24-hour Contact Centre at 01819 399999 or 8961151 any
time, any day.
It’s personalized!
 The Gift card can be readily purchased from any of our Branches in Bangladesh.
We have Instant-Issue Cards with pre-printed messages which you can pick-up to
meet your immediate need.
 You can also personalize a Gift Card with the recipient‘s name and a personal
message by applying for the same at any of our branches and we will have it ready
for you within 5 working days.
It has exciting discounts!
 In the welcome pack, please find a discount booklet full of special offers available
exclusively to the Standard Chartered Gift Cardholders.
It’s for everyone!
 Everyone can enjoy the benefits of the Standard Chartered Gift Card, even if you
do not have an account or a Credit Card with Standard Chartered.
2 .Prepaid Travel Card
Standard Chartered Travel Card – the best way to carry your money abroad!
Remember the carefree days of your yesteryears, when traveling used to be just fun and
without any uncertainties? With our Prepaid Visa Travel Card (denominated in US
Dollars), you can re-live those days while leaving the worries related to money matters

42
with us. This is a Prepaid traveler‘s card that gives you a secured and hassle-free travel
experience.
It’s against your Personal Travel Quota!
You can purchase a Travel Card from any Standard Chartered Branch for any amount upto
your entitlement of Foreign Currency in a calendar year as per the Personal Travel Quota
guidelines of Bangladesh Bank. So you will buy this Card in Bangladeshi Taka and then
use it anywhere in the world, in the currency of the country you are traveling to.
It’s convenient!
With the Travel Card, your days of worrying about finding a Money Changer in a foreign
land are over! Your Travel Card is more secure than currency or travelers cheques and is
more convenient to carry.
Moreover, unlike Cash Dollars or Travelers Cheques, you do not need a travel plan (i.e.
Visa & confirmed Ticket) to obtain a Travel Card. So, instead of wasting your time on
your financial needs before any trip when you actually have millions of other things to take
care of, get your Travel Card today and relax for the rest of the year.
It’s widely accepted!
You can use your Travel Card for purchases at Merchants' Establishments worldwide that
accept Visa Cards through an electronic point-of-sale (POS) terminal. The transaction
amount is directly debited from your Travel Card balance. Your Visa Travel Card is
welcomed at over 13 million Merchant Establishments across the globe displaying the
symbol.
It’s your key to instant cash!
The Travel Card can be used to withdraw cash at over 850,000 Visa ATMs worldwide.
You will be provided a PIN with your Card, which you can use to draw cash anywhere in
the world in the local currency of the country where you are traveling.
It’s personalized!

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The Travel Card is personalized with your name for your own security. After applying for
the Card at any of our branches, it will be ready for you within the next five working days.
It’s safe!
Your Travel Card is a whole lot safer that carrying cash, because it is protected against
misuse at ATMs with your Personal Identification Number (PIN). If you loose your Travel
Card, please immediately contact our 24-hour Contact Centre at (+88) 01819 399999 or
(+88 02) 8961151 any time, any day and report the loss.
It’s easy to track!
An eStatement of your Travel Card will be e‘mailed to you every month, absolutely free of
charge at upto three e‘mail addresses of your choice. This will allow you to be on the top
of your money matters, even when you are traveling.
3.1.5 LOAN
Auto Loan
It‘s good when your bank gives you the keys to your dream car
With Standard Chartered Auto Loan, it is easier than ever to buy the car of your dreams.
We offer you a flexible and affordable loan with easy repayment options, all wrapped in a
very convenient package. You can purchase new, reconditioned, or even second-hand cars
with Standard Chartered Auto Loan.
Features
 Maximum loan amount up to BDT 20 Lacs
 Attractive & absolutely transparent rates without any hidden charges
 Quick approval process
 No prior account relationship required with Standard Chartered
 Loan repayment in up to 72 instalments
 Financing available for up to 30% of vehicle value

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 Maximum allowable age of the vehicle at the end of the loan tenor is 10 years in
case of Toyota, and 8 years in case of other brands
 Options available for early & partial settlement
Eligibility
 Salaried professionals, businesspersons & self-employed individuals
 Applicant must have a minimum aggregate monthly income of BDT 32,500
Insurance:
 Our Auto Loan comes with a very attractive credit-life insurance bundle scheme
called Auto Reducing Term Assurance (ARTA). The insurance coverage is
provided by one of the best life insurance companies around. Moreover, we can
finance the insurance premium along with your Auto Loan. ARTA insures your
Auto Loan against your death or permanent total disability; relieving you and your
family of the burden of the loan in the event of any such unforeseen circumstances.
Personal Loan
It‘s good to have a loan for every occasion in life!
We all need a helping hand to be able to live our life to the fullest. And in this regard, we
believe that we can be your right partner by providing you with our Personal Loan
products that will help you meet your needs so that you never have to compromise with all
that life has to offer!
 Any Purpose Loan:
Be it for your marriage expenditure, house or office renovation, trips aboard or
emergency medical needs – Standard Chartered Personal Loan can help you out in
any scenario.
 Convenience:
We at Standard Chartered, value your time & urgency. That is why we have a wide
range of channels where you can apply for a Personal Loan at your convenience.
Just visit any of our branches or Kiosks or simply call 16233 (from Mobile Phone)
or +88 02 8332272 (from any Phone).

45
 Hassle Free:
Standard Chartered offers Personal Loan from BDT 75,000 to BDT 1,000,000
solely based on your income and without any type of security. All we need is few
employment related papers, bank statements and one ‗Personal Guarantee‘ for us to
grant you a Personal Loan.
 Competitive Interest Rates and No Hidden Charges:
Standard Chartered Personal Loans offer some of the most attractive interest rates
in the market. And what you see is what you pay for. There are no extra costs.
 Flexible:
Enjoy all the payment flexibility you need to organise your financial commitments
and make your monthly instalments easy to meet. We offer loan tenures of up to 60
months.
 Fast Processing:
No waiting periods, no cumbersome procedures - your loan is processed quickly
and efficiently. If you wish, our sales representative will visit you to make it even
easier!
 Top-up Loans:
Need additional finance during the tenure of your existing loan? We'll be happy to
top up your loan, as long as your repayments have been regular.
 Privilege of being Employee Banking:
If your employer has Employee Banking agreement with Standard Chartered Bank,
then just bring your salary account with us and enjoy preferential interest rates &
fees. Already have a Personal Loan with other bank? No problem! We will help
you transfer your Personal Loan to us.
 Secure it with Insurance:
Opt for Insurance coverage for your Personal Loan and leave your loved ones at
peace. Leading Insurance providers will take care of you repayment in the event of
un-foreseeable incidents.
ELIGIBILITY

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Our Personal Loans can be availed by salaried individuals, self employed professionals &
businessmen, regardless of whether they are an existing Standard Chartered bank customer
or not. If your monthly income is BDT 20,000 or more, you can apply for a Personal Loan.
For a more detailed analysis of your eligibility, please visit any of our Branches or Kiosks
or call our Contact Center.
Home Loan
It‘s good when your bank takes you a step closer to your dream
Everyone dreams of owning a home. To make that dream a reality, Standard Chartered
brings you a Home Loan with exclusive benefits! For either buying a new apartment or
transferring your existing Loan with any other Bank/Financial Institution to Standard
Chartered at a very attractive rate; it‘s all possible with Standard Chartered Home Loan.
FEATURES
 Maximum loan amount up to BDT 1 Crore
 Attractive & absolutely transparent variable rates without any hidden charges
 Quick approval process
 No prior account relationship required with Standard Chartered
 Loan repayment in up to 300 instalments
 Zero Processing Fee for Take-over Loans
 Financing available for up to 70% of property value
 Options available for early & partial settlement
ELIGIBILITY
 Salaried professionals, businesspersons & self-employed individuals with at least 3
years of experience
 Applicant or applicants must have a minimum aggregate monthly income of BDT
25,000
 Loan Applicant must be at least 25 years of age
Variable interest rate is a type of pricing where the interest rate is revised at pre-
determined intervals based on movement of a market benchmark till the end of the loan

47
tenor. During disbursement, your Home Loan interest rate is linked to the average rate of
182-Day Treasury bill. Your Home Loan interest rate will be reviewed (i.e. decreased or
increased) after every 6-month from the date of disbursement based on the movement of
the average rate of 182-Day Treasury bill.
INSURANCE
Our Home Loan comes with a very attractive credit-life insurance bundle scheme called
Mortgage Reducing Term Assurance (MRTA). The insurance coverage is provided by one
of the best life insurance companies around. Moreover, we can finance the insurance
premium along with your Home Loan. MRTA insures your Home Loan against your death
or permanent total disability; relieving you and your family of the burden of the loan in the
event of any such unforeseen circumstances. Your dream home will be there for your
family, forever!
Home Credit
It‘s good when your bank helps you decorate your life
Do you want to renovate or extend your existing home for a better quality of living?
Standard Chartered brings you Home Credit - an opportunity to finance the renovation or
extension work of your existing property or even purchasing a new property by mortgaging
the existing property at a very attractive rate.
Features
 Finance against your existing property for a wide variety of purposes.
 Offering profile-based financing model.
 Attractive and absolutely transparent variable rates without any hidden charges.
 No prior account relationship required with Standard Chartered Bank.
 No personal guarantee or cash security required.
 Maximum loan amount up to BDT 1 Core.

48
 Loan repayment in up to 300 instalments.
 Options available for early & partial settlement.
 Quick approval process.
Eligible
 Salaried professionals, businesspersons and self-employed individuals with at least
three years of experience.
 Applicant or applicants must have a minimum aggregate monthly income of BDT
25,000
 At least 25 years of age.
 Loan approval will depend on applicant‘s clean Bureau report.
 Home Credit can be financed for both Freehold and Leasehold lands.
Variable Interest Rate
Variable interest rate is a kind of rate where the interest rate is revised at pre-
determined intervals based on movement of a market benchmark till the end of the
loan tenor. During disbursement, your Home Credit interest rate is linked to the
average rate of 182-Day Treasury bill. Your Home Credit interest rate will be
reviewed (i.e. decreased or increased) after every 6-month from the date of
disbursement based on the movement of the average rate of 182-Day Treasury bill.
3.2
Unique features:
 Personalized priority card will give instant recognition of priority status at all
branches of Standard Chartered bank, worldwide.

49
 A dedicated customer relationship Manager trained to understand specific financial
needs and help to manage assets at home and abroad. It is as personalized as can be.
 Preferential pricing on our various products.
 Entitled to exclusive benefits.
 A complimentary pre-approved Gold Standard credit card.
 Special foreign exchange rates.
 Special invitations to exclusive events. Many account facilities, which are
absolutely free of charge.
Benefits that we derive from preferred banking:
More Rewarding:
Preferred Banking recognises and rewards your relationship with us.
360° Rewards Programme:
It‘s the most rewarding experience in town with rewards points on your entire relationship
with us, whether it's credit card and/or debit card spend, mortgages or any other unsecured
loan. Be rewarded in every way.
Get rewarded on your credit card spend:
1 rewards point for every BDT 50.00 spent
Get rewarded on your debit card spend (Coming soon):
1 rewards point for every BDT 50.00 spent
Get rewarded on your other Loan relationships** (Coming soon):
Eligible product categories Rewards points per product holding
Mortgage 1000 points per month
Credit Card:
Privileges.
Special product offers:

50
Enjoy special discounts, interesting new offers and competitive rates on products from
time to time.
More Convenient:
Preferred solutions that are faster, simpler and tailored to suit your plans.
Preferential Branch Queue:
Enjoy preferential queues and counters in branches ensuring you the convenient service
you truly deserve.
Convenient Banking;
Enjoy the benefits of a range of banking account solutions that provide you with full
transactional
More Personal:
Whatever your banking request, our Preferred Relationship Managers will readily attend to
you.
Dedicated Preferred Banking Relationship Manager :
You can have access to a team of Preferred Relationship Managers who are readily
available.
More access:
Get more access to preferential services. Your Relationship Manager will ensure that you
receive the best solutions to your financial needs.
Membership recognition:
You will be recognised as a valued Preferred Banking customer across all our branches in
Bangladesh.
Eligibility Criteria to unlock the full benefits of Preferred Banking:
Be a preferred client today by maintaining any of the following eligibility criteria

51
 Maintain a minimum half-yearly average balance of BDT 500,000 in your
Current/Savings Account
 Maintain a combined half-yearly average balance of BDT 1,000,000 in your
Current/Savings Account & Fixed Deposit
 Avail BDT 800,000 worth of Personal Loan with us
 Avail BDT 1,000,000 worth of Auto Loan with us
 Avail BDT 3,000,000 worth of Mortgage Loan
 Channel your monthly net salary of BDT 100,000 through us
 Avail BDT 3,500,000 worth of business loan (Business Installment Loan/Loan
Against Property) with us*
Benefits at a glance:
Special offer for Preferred accountholders only
50% Waiver on A/C maintenance fee (Without Bundle)
25% Discount on processing fee from 2nd unsecured loan product onward
Preferred "Easy" Value Pack
25% Discount on Account Maintenance Fee
DISCOUNT on Credit Card‘s first year‘s annual fee
FREE First chequebook , First usage , discount voucher
Discount on USD RFCD Account opening amount & 1st year international debit card
annual fee
FREE Online Banking & e-statement
FREE Phone banking & SMS Banking
Preferred "Employee Banking" Pack

52
ZERO Maintenance fee on your Salary Account
REDUCED Debit Card Fees
50% Discount on processing fee of Personal Loan
DISCOUNT On Credit Card Annual Fee
Preferred "Personal Loan" Pack
50% Discount on Account maintenance fee
NO ANNUAL FEE On 1st Year‘s Credit Card usage*
50% Discount on processing fee
Preferred "Home Sweet Home"
2% LOWER Interest rate for home loan with MRTA
50% Waiver on Personal Loan processing fee
NO ANNUAL FEE On 1st Year‘s Credit Card usage*
25% Discount on Account Maintenance Fee

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50% Discount on first years debit card fee
Recognition of total banking relationship Powerful online banking platform
Exclusive privileges on fees & charges*
Access to a team of Preferred
Relationship Managers
More Rewards points* 24 hr phone banking facility
Faster, simpler and tailored Preferred
solutions
Preferred queues at our branches
Required documents:
 Completed and signed Account Opening Form
 Two copies of recent passport-sized photograph of the applicant(s)
 One photograph of the nominee
 Photocopy of valid National ID or, Passport or, Driving License
 Photocopy of valid TIN certificate (in case of Credit Card application)
Once you have completed the form, please print out all the pages, sign it once you
understand the terms & conditions completely and bring the pack to any of our branches
with all required documents to any of our branches. A Preferred Relationship Manager will
be able to help you with further procedure.

54
3.3
CHARACTERISTICS :
Customised benefits tailored to suit your unique individual needs:
As a Priority Banking customer, you have the advantage of enjoying customised benefits
that recognise your relationship with us and have been tailored to suit your individual
needs.
And because we know they mean the world to you, some of these benefits also extend to
your family. Just like you, they will also enjoy the perks of banking with us, from
designated tellers and dedicated hotlines to exclusive lifestyle privileges and rewards.
Privileged Pricing:
As your financial partner, we will be able to offer you best value on your product needs
tailored by your Relationship Manager, with preferential pricing.
Your pricing privileges include:
 Special fee waivers and/or discounts on your routine banking transactions and
services such as cheque books, cashier‘s orders etc.*
 Special pricing for your deposits and loans
 Free international fund transfers
 Free worldwide ATM network
 Global foreign exchange discount at Travelex
PRIORITY BANKING

55
Household Recognition:
We know your family is your greatest asset, so we have also made them our priority. It‘s
our way of ensuring a total banking relationship for you.
Your family will enjoy:
 Complimentary Priority Banking membership extended to your spouse and children
 Access to Priority Banking Centres, teller counters and hotlines
 Privileged pricing on banking transactions and services
 Lifestyle privileges including family events
Total Relationship Rewards:
At the end of the day, it‘s not only about making the right choice of financial partner in
growing your wealth and maximising your returns. It‘s also about indulging in the fruits of
your banking relationship with us as you go along.
That's why we have introduced an exclusive, unique and differentiating total banking
rewards scheme which allows you to earn points not only on your Card spends but on all
your banking accounts with us including savings, deposits and loans.
Your reward points can be accessed only through the prestigious Visa Signature Credit
Card, which is the key to unlocking exclusive benefits and exceptional rewards from your
total banking relationship with us.
Here's how you can earn Reward Points* on your Standard Chartered Visa Signature Card
with this unique and innovative programme:
Product Reward Basis
No. of
Reward
Point
Visa Signature Card Every BDT 50 spent 2
Other Credit Cards Every BDT 50 spent 1
Current Account / Savings
Account Balance
Every BDT 1,00,000 monthly Average
Balance
15
Mortgage Loan
Every BDT 1,00,000 monthly Average
Balance
10
Mortgage Loan
Every BDT 1,00,000 of loan disbursed
amount (Upfront)
1500
Auto Loan Every BDT 1,00,000 monthly Average 10

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Balance
Auto Loan
Every BDT 1,00,000 of loan disbursed
amount (Upfront)
1500
Personal Loan
Every BDT 1,00,000 month end
outstanding loan Balance
1
Addressing all your financial priorities in life:
From everyday banking to long-term investing, we bring you a suite of world-class
solutions to help meet all your financial needs.
Convenient Banking Solutions:
Enjoy the benefits of a range of banking account solutions that provide you with full
transactional capabilities, special pricing privileges and higher returns.
The Supersaver Savings Account gives you power to access all VISA ATMs across
Bangladesh through your priority Platinum Debit Card.
You get a host of FREE and discounted banking privileges (e.g. Account related charges,
Account Maintenance Fees, Statements and Certificate Processing charges, Foreign
Currency Issuance charges, Pay Order/ Drafts on Standard Chartered branch locations and
Doorstep banking facility).
Locker facilities at our branches are at a 66% discounted tariff*.
* Effective from 01 December 2012
A range of solutions including SME Banking, Property & Loan solutions, etc have been
customised for you.
Unique Card Solutions:
Priority Banking Platinum Debit Card:
Your Priority Banking Debit Card unlocks a whole range of services, privileges and
rewards that befit your priority status.

57
Exclusively customised for Priority Banking, this Card provides you with global
recognition at all our branches and Priority Banking centres. They also come bundled with
a host of unique benefits such as travel and medical insurance, and special retail offers and
privileges.
The specially designed Priority Banking Platinum Debit Card is your primary global
relationship Card with the Bank, offered to you when you begin your relationship with the
bank
The Card provides you global recognition at all Priority Banking centres and branches, and
local and international access to your banking accounts.
Within Bangladesh, you can use this card to access the full range of Standard Chartered
VISA ATMs as well as VISA ATMs from other Banks which are under our shared
network. Additional Features on your Card:
 Enhanced Spending limits - We understand your needs for having higher spending
limits and therefore give you an enhanced daily withdrawal limit of BDT 200,000
at ATMs and BDT 300,000 on purchases.
 Furthermore, you will also enjoy special benefits such as discounts on foreign
exchange transactions under the Global Rewards program at all Travelex locations
worldwide.
 Priority Banking Visa Signature Credit Card:
We know you are looking for the best and the most prestigious benefits. The Priority
Banking Visa Signature Credit Card has been designed to suit your needs. Enjoy the
treatment of privileges with exclusive offers and benefits tailored for only you.
Priority services:
Understanding and responding to your unique requirements, at home and abroad:
As a Priority Banking customer you are looking for a premium level of service and
attention wherever you are. It‘s what you can expect from a total banking relationship.
Dedicated Relationship Team:

58
When you become a Priority Banking customer, a dedicated and skilled Relationship
Manager is assigned to manage your interests and oversee your total financial relationship
with the Bank.
With our team approach you can be rest assured of always receiving a high level of
service, expertise and attention in your banking relationship with us.
Ask Once And It's Done Service:
As our Priority Banking customer, we understand your need for a faster, simpler and
differentiated banking experience. From the way you bank with us to the way you reach us.
Here are some examples of how we serve you:
 Your interactions with us are always facilitated through
dedicated banking channels which provide you with the
exclusivity that you deserve. These include Priority
Banking centres, tellers and hotlines across our countries.
 Your transactions and new product applications ranging
from deposits to credit Card and property loans as well as
your new relationship account opening process are both
simplified and fast-tracked, freeing you up for the more
important things to do in life.
 Your specific requests will always be responded promptly
with answers and solutions from our fully empowered
relationship teams at our branches and call centres.
We also understand that at times we may not get things right. But once you bring it to our
attention, we will ensure that we resolve it within the shortest possible time, keeping you
fully informed in the process.
As a Priority Banking customer, all you need to do is ask us once and we will ensure that it
gets done.

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Exclusive Banking Channels:
In keeping with the service that you deserve, we offer you access to a full range of
exclusive and differentiated banking channels which include.
 Priority Banking Centres with full banking service capabilities, including meeting
rooms that provide discretion and confidentiality to consult your relationship team
and conduct your transactions
 Priority Banking teller queues at our major branches
 Internet and mobile banking facilities
These simple yet effective time-saving measures help you complete your banking
transactions faster and with the level of comfort that you are accustomed to.
Seamless international banking services
beyond borders:
Your global connectivity is as important as your global access to funds:
Whether you are travelling overseas, settling in a new country or investing overseas, we
are able to provide comprehensive solutions1
.
Global Recognition For You And Your Family:
As a Priority Banking customer, your status extends worldwide. Your family will also
enjoy the same recognition whether at home or overseas.
Designated International Banking Centres worldwide:
A warm welcome awaits you and your family at more than 200 Priority Banking or
designated International Banking Centres across Asia and the Middle East.
Present your Priority Banking Debit Card and receive:

60
 Access to our exclusive Priority Banking lounge
facilities
 Local and offshore banking information upon request
 Preferential foreign currency exchange rates2
Free ATM cash withdrawals worldwide:
Your Standard Chartered International Debit Card is your passport to financial
convenience as you can access your accounts and make cash withdrawals free of charge3
at
Standard Chartered Bank and Visa ATMs worldwide.6
Global Link - a one-click access to your worldwide accounts:
Log in to our award-winning Online Banking and have a consolidated view of your
Standard Chartered Bank accounts in all major countries4
anytime, anywhere.
Emergency Cash Services:
Unexpected accidents like losing your wallet can be inconvenient, but not if you are a
Priority Banking customer. That‘s because with a simple call to your home phone banking
centre, we can arrange for emergency cash to be delivered to our Priority Banking Centres
worldwide.7
Global foreign exchange discounts at Travelex:
Present your Priority Banking ATM Card and you will receive special discounts on foreign
exchange at Travelex outlets in over 740 locations across 20 countries.
International financial solutions—local and offshore:
Whether you are at home, investing overseas or even relocating to other countries, we
provide comprehensive solutions to serve your international financial needs. A local
Relationship Manager will always be on hand to assist you, from enquiries on overseas
account opening to expert advice on local markets. It is our commitment to you, for your
peace of mind wherever you go.

61
International services or benefits may not be available in some countries and are subject to
local regulations. Please contact your branch or your Relationship Manager for more
details.
2
Applicable to countries with preferential foreign exchange rates for local Priority Banking
customers.
3
All fee waivers, charges and exchange rates are subject to change at the Bank‘s discretion
and may be adjusted from time to time. For the latest information on services charges and
terms and conditions, click here.
4
Countries include Singapore, Hong Kong, Malaysia, Bangladesh, United Arab Emirates,
Pakistan, Thailand, China, Indonesia and Bahrain. More countries will be added to this
programme
5
Subject to Travelex Terms and Conditions. Conversion shall be effected at the Bank‘s
then prevailing rate of exchange for such currency or any rate prescribed by any relevant
organisation involved in the services or package. For details of rate discounts, please refer
to www.travelex.com/rewardscard
6
Subject to local regulations.
7
Resident Foreign Currency Deposit (RFCD) account or Foreign Currency Account
mandatory to avail this facility.
3.4 Islamic Banking:
On behalf of Standard Chartered Saadiq, the Islamic Financial Services of Standard
Chartered Bank; we would like to offer you our warmest greetings. Standard Chartered has
been offering world-class and completely Shariah-compliant Islamic Banking solutions
since 1993; and at present has coverage in 6 countries including Bahrain, Bangladesh,
Indonesia, Malaysia, Pakistan and UAE. At Standard Chartered Saadiq, we respect your
Islamic beliefs and values. That is why we offer world class Islamic Banking solutions
combined with modern banking facilities. We are at your service with a complete range of
Financial Products under our Saadiq Umbrella. We take immense pride in the fact that all

62
these products have gone through the strictest Shariah scrutiny by our world-class Shariah
Supervisory Committee before reaching you.
We invite you to visit our Islamic Banking Center at 102, Gulshan Avenue or any other
branches or give us a call for any of your banking needs.
3.4.1 Saadiq Deposit Accounts:
At Standard Chartered Saadiq, we respect your Islamic beliefs and values. That is why we
offer world class Islamic Account solutions combined with modern banking facilities.
Currently we are offering the following accounts:
1. Saadiq Current account
2. Saadiq Savings account
3. Saadiq eSavers Account
4. Saadiq Term Deposit
5. Saadiq Super Saver Premium Account
1. Saadiq Current Account:
When you deposit your funds in Standard Chartered Saadiq Current Account, you can be
sure that your funds will only be used in a Shariah compliant manner. Standard Chartered
Saadiq Current Account is all about flexibility and convenience.
Key features:
 Minimum balance requirement: BDT 100,000
 Convenience of Access
o Free 25 leaf Cheque book at the time of account opening
o Debit Card
 Call Centre Service
 Standing Instruction

63
 Internet Banking
 e-statement facility
 Utility bill payment service through Auto Bills Pay & other channels
2.Saadiq Savings Account:
Return based Savings Accounts based on Mudaraba concept wherein a deposit is placed
with the Bank for an unspecified period of time. The Bank places your fund in its pool of
Shariah Compliant assets. The profit from the Shariah Compliant assets are shared between
you & the Bank. If you want to save, earn profit, enjoy modern banking facilities and want
to see your money grow, Saadiq Savings Account is the right solution for you.
Key features
 No Profit Forfeiture Rules - Profit will be accrued on monthly average balance and
applied at each quarter-end
 No Counter Transaction FEE
 World-class Alternate Channels - 24-hour Contact Center, Internet Banking, e-
Statements, ATMs, BillsPay Centres & SMS Banking
 360 degree rewards-
 Dial-A-Draft – Request your Pay-orders over the phone
3. Saadiq eSavers Accoun:t
Saadiq eSavers Account provides you with alternate Channel Banking benefit with higher
profit earning opportunity.
Key features :
 No Profit Forfeiture Rules - Profit will be accrued on monthly average balance and
applied at each quarter-end
 Minimise Branch visit-enjoy the luxury of banking without coming to the bank!
Now you can avoid long queues and put your time to better use at work or at home
 Counter Transactions at Branches are Not allowed for Saadiq eSavers Account
 Get a FREE 25-leaf ‗Account Payee only‘ Chequebook

64
 World-class Alternate Channels - 24-hour Contact Center, Internet Banking, e-
Statements, ATMs, BillsPay Centres & SMS Banking
 Dial-A-Draft – Request your Pay-orders over the phone
4. Saadiq Term Deposits Account:
The Saadiq Term Deposit Account offers the potential to earn healthy returns on your
investment without compromising on your beliefs. If you are a short to medium term
investor and want to maximize return on your well-merited funds then Saadiq Term
Account is the right product for you. The product is based on the Mudaraba concept. The
profit sharing weightages are assigned based on the various tenures available under this
product between you and the Bank. Longer your tenure, the higher the profit sharing
weightage with better chances of higher returns. However, you need to have either an
operatable Saadiq savings or current account with us to avail the benefits of this scheme.
Key features:
 Account opening amount is Tk. 50,000
 This account is available on an auto- renewal over basis until the customer
authorizes its closure.
 This account is available in local currency
 Provision of maximum 1 year tenure.
5.Saadiq Super Savers Premium Account:
Saadiq Super Savers Premium offers you greater benefits and savings in Shariah compliant
way.
Key features :
 Account opening amount is Tk. 500,000
 Enjoy Premium Profit Rates. Profit will be credited on monthly basis to your
account
 Enjoy the privilege of Platinum Debit Card
 Earn Rewards on Debit Card Transactions at merchant Outlets

65
 Get a FREE 25-leaves personalized Cheque book
3.4.2 Saadiq Auto Finance:
At Standard Chartered, we value your dreams and help you to pursue them. That is why we
have introduced ―Saadiq Auto Finance‖, your solution to have your personal car.
Saadiq Auto finance is based on diminishing Musharaka concept. It is a widely accepted
Islamic financing mode based on a rental and principal component structure. The car is
purchased on a co-ownership basis between you and us. Gradually over time, you purchase
the bank‘s share in the car against monthly payments and consequently the ownership is
completely transferred under your name.
Features:
We offer you the option of buying brand new, reconditioned or used car and can be custom
designed as per your requirement. There is No requirement to provide personal guarantee
or cash security to qualify for Saadiq auto finance.
3.4.3 Saadiq Home Finance:
Don't compromise on your dream home. At Standard Chartered, we understand that our
customers have varied needs and preferences. We dedicatedly provide you with tailor-
made solutions to meet your Home financing needs.
 Product Suit
 How it works
At present, our product suite consists of:
 Saadiq Home Finance – You can purchase both Ready Properties / Under
construction Properties
 Saadiq Home Credit – You can avail cash access facility against your existing
property
 Saadiq Home Finance Takeover – You can transfer your house loan/finance from
other banks / Financial Institutes through our Shariah compliant solutions.

66
3.4.4 Islamic Banking Credit Cards:
Saadiq Platinum card:
Features and Benefits:
o A Shariah Compliant Card Based on ―Ujrah Concept‖ (fixed fee based
concept)
at home and abroad
o Free Balaka Business Lounge access & Passenger handling service with up
to 1 immediate family member at Dhaka International Airport
o Free Priority Pass Membership for 600 airport lounges worldwide!
o Discounts up to 20% at more than 100 selected restaurants around the
country
o Exclusive Travel Desk
....and many more
Platinum card:
Features and Benefits:
concept)

67
at home and abroad
o Free Balaka Business Lounge access & Passenger handling service with up
to 1 immediate family member at Dhaka International Airport
o Free Priority Pass Membership for 600 airport lounges worldwide!
o Discounts up to 20% at more than 100 selected restaurants around the
country
o Exclusive Travel Desk
....and many more
Saadiq Gold card:
concept)
o Reward Points Redemption for Yearly Fee Waivers 50% @ 2000 point,
100% @ 4000 point
o Free access to Balaka Business Lounge at Hazrat Shahjalal International
Airport, Dhaka
o Discount up to 20% at selected restaurants around the country
o Free Supplementary Card

68
Saadiq Green card:
concept)
o Reward Points Redemption for Yearly Fee Waivers
Eye etc.
o Discount up to 20% at selected restaurants around the country
3.4.5 Saadiq Business Current Account:
Saadiq eSavers Account provides you with alternate Channel Banking benefit with higher
profit earning opportunity.
Key Features
 Open your account with BDT 200,000 only
 No minimum balance fee
 Freedom of unlimited transactions
 Online Banking facility across all Standard Chartered branches
 Exclusive VISA Gold Debit Card for retail purchases and ATMs*
 Free Internet Banking
 Free SMS Banking
 Free 1st Cheque book
 Free eStatements
 Evening & Saturday Banking Facility in select Branches
 24-hour Contact Center

69
 Sole Proprietorship
 Partnerships
 Self Employed Professionals
 Limited Liability Company (LLC)
 Local Development Organizations
 Commercial Account Opening Form
 Trade License
 National ID/Passport of the owners of the company
 Partnership deed and registration certificate from registrar of firms for partnership
businesses only
 Memorandum and article of association for Limited
3.4.6 Saadiq Business Instalment Finance:
 This is an SME product where the company (proprietorship/partnership/ limited
company) can get the goods it requires financed through the bank.
 Business Instalment Finance is the most flexible medium term funding solution for
your business expansion under Murabaha Concept.
 The finance can be availed for flexible payment tenors of 12 months to 48 months.
3.4.7 Saadiq Finance against Properties:
The proprietorship company can avail cash access against facility by keeping their property
mortgaged through shariah complaint manner.
 With Finance Against Property, they can secure up to 70%* of your current
property value for residential properties, and up to 60%* for commercial properties.
 Finance against Property is based on the concept of Hire Purchase Shirkat ul Milk
under Musharakah. The finance can be availed for flexible payment teNors up to 10
years.

70
3.5
At Standard Chartered SME Banking, we understand your business is unique. So we've
made it a point to offer solutions that address your specific business needs. From managing
your working capital, aiding business expansion, business protection or increasing your
yield. Choose what we can do for you and your business.
3.5.1 Business Current Account:
Benefits:
 Open your account with BDT 200,000 only
 No minimum balance fee
 Freedom of unlimited transactions
 Online Banking facility across all Standard Chartered branches
 Exclusive VISA Gold Debit Card for retail purchases and ATMs*
 FREE Internet Banking
 FREE SMS Banking
 FREE 1st Cheque book
 FREE eStatements
 Evening & Saturday Banking Facility in select Branches
 24-hour Contact Center*
Suitable for:
 Partnerships
 Self Employed Professionals

71
 Local Development Organizations
Documentation:
 Commercial Account Opening Form
 Trade License
 National ID/Passport of the owners of the company
 Partnership deed and registration certificate from registrar of firms for partnership
businesses only
 Memorandum and article of association for Limited Liability Company only
Please note that the above requirements are not exhaustive and the bank may require
further documentation to open an account on a case to case basis.
3.5.2 Straight2Bank:
Benefits:
Efficiency and responsiveness are two of the driving force of any business. Beholding
these two fundamentals Standard Chartered Bank offers the Straight 2 Bank service to all
SME customers.
Straight2Bank is positioned to become the key channel for all SME Banking clients by
providing enhanced product offering, greater geographic reach, time efficiency, improved
operational support model and comprehensive secured platform.
Straight 2 Bank is an online service through which you can view your bank statements and
make certain crucial transactions like fund transfer, DD instruction etc. You can also view
your daily transactions, which is updated every half an hour! Enjoy the true essence of
real-time banking. Enjoy banking with Standard Chartered anytime, anywhere!
Suitable for:
 SME businesses that want to view and download their latest account transaction
history

72
 SME businesses with heavy requirement for payments and want a convenient on-
line platform
3.5.3 Cash Pick and Drop Service:
Benefits:
In today‘s competitive business environment time is money, and money saved is money
earned. With this idea we bring you Cash Pick and Drop Service (CPDS), a customizable
service that allows you to securely conduct banking transactions without leaving your
office and saves your precious time.
CPDS saves your regular commuting time to our branches for cash transactions. It is also
very safe as the transportations of the cash/cheques will be done using bullet proof armored
vehicles, which will be present at your preferred pickup/delivery points at a very affordable
price.
Suitable for:
SME businesses with heavy cash transactions for both payments and collections preferring
a convenient and secured way to manage day to day banking.
3.5.4 Trade Services:
Standard Chartered SME Banking offers a wide array of trade services that can enhance
your global competitiveness, maximize your trading partner relationships and achieve
sustainable growth while complying with your risk parameters.
We have a team of Trade Product Specialists dedicated to providing quality service and
expert advice to Small and Medium Enterprises that are importers, exporters and local
traders.
Import Services:
 Import LC
 Transferable LC

73
 Stand-by Letters of Credit
 Back-to-Back LC
 Import Documentary Collections
Export Services:
 LC Advising
 LC Confirmation
 LC Negotiation
 Transferred LC
 Export Documentary Collections
Financing Option - Imports:
 Invoice Financing
 Import Loans
 Loan Against Trust Receipts
 LC Trust Receipts
Financing Option – Exports:
 Invoice Discounting
 LC Document Discounting (Post-shipment) – Bank Limits/Customer Limits
 Outward Bill Discounting – Customer Limits
 Outward Bill Discounting – Bank Limits (Avalized)
 Local Bill Discounting
Benefits:
 End to End banking solution
 Competitive pricing
 No ad confirmation fees required for letter of credit
 Fast access to trade lines and transactions
 Dedicated experts to support with all your banking needs
 Easy access to operational accounts

74
 Wide options of instruments to serve as security or collateral
 Acceptable collaterals: Property, Cash/Bond/FD, Stock Hypothecation, Personal
Guarantee, Corporate Guarantee, etc.
Suitable for
 Businesses having more than 3 years experience
 Businesses having more than BDT 12,000,000.00 only annual sales
 Partnerships
1. International Trade Account:
International Trade Account comes with a vast and comprehensive range of services to
give you that added bit of advantage you have been looking for to grow you export and
import business. It can be the perfect solution to manage your cash flow better. It has
specially been designed to address your financial needs and to give you an enjoyable
experience while doing transactions with us.
Special features:
1.Perfect Synergy
 Current Account bundled with trade products and foreign exchange services
 Access to our proprietary corporate internet banking platform
2. Spend Less
 Freedom to choose your trade tariffs
 Receive preferential pricing on foreign exchange transactions minimizing your risk
and cost.
 Receive special pricing on trade and remittance services for overseas transactions
suited to your international trade requirement.

75
3. Experts at Your Service
 Access to a dedicated Relationship Manager who will advise you on the best use of
your fund and find the perfect product to reach your financial goal.
2. Business Protection:
Protecting your business:
While risks are an integral part of any business, you can protect your business against
unforeseen events through effective risk management strategies. In order to turn business
risks into profits, it is important to incorporate the right risk management strategies into
your business plans. This ensures your bottom line is protected from the unexpected.
Providing solutions to unpredictable situations:
Recent events have shown that risk management and protection solutions can make or
break the success of a business, depending on the appropriateness of these solutions. There
are many considerations before deciding on the optimal risk management solutions:
 What can potentially disrupt your business? Fire? Burglary? Adverse FX
movements?
 What is your business risk profile and risk management approach?
 What are the alternative solutions that can mitigate your business risks?
These risk management solutions need to be incisive, cost effective and practical. They
should be delivered easily so that they have a direct and immediate benefit to your
business. So your business will be protected from the fluctuating conditions in the market
place.
Providing innovative solutions to protect your business:
As a leader in the financial markets, we deliver award-winning and innovative solutions to
meet all your risk management and protection needs. Our dedicated team of specialists will
customize cost-effective risk management solutions and protection alternatives through in-

76
depth analysis across various types of instruments. Each solution is catered to your specific
business plan and strategy.
3. Business Expansion
Seizing opportunities for business growth:
Business expansion requires capital investments, which are basically medium to long-term
investments financed by one or a combination of the following:
1. Retention of business profits
2. Injection of fresh capital by business owner(s)
3. Financing via bank loans that need to be repaid based on projected future business
cash flows.
Committing to your business growth:
We provide you a host of speedy services and lending solutions to fund your growth,
Standard Chartered Bank is ready to help you create and make the most of business
expansion opportunities with a full suite of short term, medium term and long term
financing solutions to grow your business.
4.Business Expansion Solutions:
A. Business Instalment Loan :
Features:
This loan will help you meet your financial needs for your business expansion. You can
make long term investments with this loan and build up your equity by repaying the loan in
convenient equated monthly installments (EMI). You can avail this loan through some
simple documentation and without any security*.
 Maximum Loan: BDT 10,000,000 (Taka one crore) only*
 Minimum Loan: BDT 1,000,000 (Taka ten lacs) only
 Interest Rate: Please call our contact center for details

77
 Tenor: 3 Years - 5 Years (i.e. 36 to 60 EMI payments)*
 Cash Security: Loans without security is available depending on company's annual
sales and nature of business. In addition, loans against 15%, 30% and 50% security
is also available*.
Suitable for
 Partnerships
Documentation:
The following are the documents required to apply for this loan:
Documents
Proprietorship
Concern
Partnership
Firm
Private Limited
Company
1 Valid Trade License √ √ √
2 3 Year Old Trade License √ √ √
3 Latest 12 Month Bank
Statement
√ √ √
4 National ID of Business
Owners
√ √ √
5 Utility Bill of Business √ √ √
6 TIN Certificate √ √ √
7 Photograph of the Owners √ √ √
8 Registered Partnership
Deed
✘ √ ✘
9 Memorandum & Article
of Incorporation, Form X
and XII
✘ ✘
√

78
10 Certificate of
Incorporation
✘ ✘
√
11 Board/ Partnership
Resolution
✘
√ √
12 All Facility Related Offer
Letters
√ √ √
Please note that the above requirements are not exhaustive and the bank may require
further documentation for credit assessment on a case to case basis
B.Loan Against Property :
Features:
Loan against property is very flexible and is designed to meet the different financial needs
of your business. Want to expand your business leveraging on your existing property?
With Loan Against Property you can undertake long term investments for expansion. In the
process Loan Against Property also enables you to build up business equity by repaying
the loan in monthly installments.
 Maximum Loan: BDT 40,000,000 (Taka four crore) only*
 Minimum Loan: BDT 1,400,000 (Taka fourteen lac) only
 Tenor: 3 Years - 10 Years (i.e. 36 to 120 EMIs payments)
 Maximum % of loan amount against market value of the property:
For Commercial Property 60% of property‘s current market value
For Residential Property 75% of property‘s current market value
Suitable for
 Partnerships

79
3.Orjon - BIL for Women
Features
In Bangladesh the number of women-owned company continues to grow, and Standard
Chartered Bank is dedicated in helping the women entrepreneurs to grow their business by
offering competitive Business Loans specially designed for women.
Standard Chartered‘s Orjon provides the liquidity you need to grow your business or meet
your cash flow requirements. The loan enables you to obtain financing without any
requirement of land or property collateral.
‗Orjon‘ has been crafted to perfection to support the business needs of women
entrepreneurs. The following features depict the very reasons as to why ‗Orjon‘ can be
instrumental in your business success:
 Maximum Loan: BDT 10,000,000 (Taka one crore) only*
 Minimum Loan: BDT 1,000,000 (Taka ten Lacs) only
 Tenor: 3 Years - 5 Years (i.e. 36 to 60 EMI payments)*
 Cash Security: Loans without security is available depending on company‘s
annual sales and nature of business. In addition, loans against 15%, 30% and 50%
security is also available*.
Suitable for
 Women Entrepreneurs having more than 3 years experience
 Women Entrepreneurs having more than BDT 16,000,000.00 only annual sales
 Women Sole Proprietorship
 Partnerships having majority women partners
 Limited Liability Company (LLC) having majority women shareholders

80
4.Overdraft
Features
The Business Overdraft is an overdraft facility that provides businesses with flexible
standby credit line. It is the only business overdraft to be assessed on bank statements and
offered with the Business Installment Loan*.
Suitable for
 Businesses operating in close vicinity of our Branches
 Partnerships
3.5.5 SME Treasury Service:
Benefits
 Capitalize on various foreign exchange solutions to maximize your foreign
exchange transactions
 FX Spot, Forwards
 Competitive rates for foreign exchange services
Suitable for businesses that trade in more than one currency

Chapter 4: Financial aspects of standard chartered
bank
4.1 Key performance indicators
A.To be the world’s best international bank:
Normalised earnings per share
cents
Figure :3
Aim
To deliver consistent year on year growth in
earnings per share.
Analysis
During 2011, normalised earnings per share
marginally increased to 198.0 cents per share,
reflecting the full year impact of the 2010
rights issue.
Normalised return on shareholders'
equity
cents
Figure :4
Aim
To deliver mid-teens returns whilst
balancing the long-term objective of having
strong yet efficient levels of capital.
Analysis
The normalised return on equity fell to
12.2 per cent, reflecting the full year impact
of the 2010 rights issue and the further
strengthening of our capital position.
B .Focusing on Asia, Africa and the Middle East:
Operating income by region in
2011
Figure :5
Aim
To deliver diversified income growth.
Analysis
Our income stream remains highly diversified with
24 markets delivering over $100 million of
income.

82
C. Building long-term, deep relationships with our customers and clients:
Consumer Banking
Net Promoter Score (NPS)1
Index
Figure:6
Aim
To increase customer
satisfaction with our products
and services and to become the
bank that customers
recommend.
Analysis
Our global NPS is up 10 points
from 39 to 49.
1 ‗Net Promoter Score‘ and
‗NPS‘ are trademarks of
Satmetrix Systems Inc., Bain &
Company, and Fred Reichheld.
Standard Chartered uses Bain
methodology recalibrated for
financial services to calculate
NPS
Wholesale Banking
Core bank to more clients
$ income
Figure :7
Aim
To continue to grow the total number of client
relationships that deliver income in excess of $1 million,
$5 million and $10 million.
Analysis
We have consistently grown the number of leading clients
that generate income in excess of $1 million,
demonstrating our strong and consistent progress against
our Wholesale Banking strategy of becoming the core
bank to more clients.

83
D. Continue to run our balance sheet conservatively:
Capital ratios
% Aim
To maintain a strong capital base, with an increasing
emphasis on Core Tier 1 capital.
Analysis
Core Tier 1 ratio for 2011 was 11.8 per cent and total
Tier 1 was 13.7 per cent. The capital position continues
to be strong with good levels of organic equity
generation, positioning us well for future changes as
the regulatory environment continues to evolve.
Figure :8
E. Focusing on organic growth as the primary driver of value creation:
Operating income
$m
Figure :9
Aim
To sustain organic momentum, with growing revenue.
Analysis
Operating income grew by 10 per cent, with the sources of growth
remaining well diversified by product and geography, with both
businesses growing strongly.
F. Continuing to nurture and reinforce our distinctive culture:
Q12
Grand Mean
Aim
To foster a culture of high employee engagement as we continue to
grow and change.
Analysis
During a year of strong competition and in the context of an
uncertain market, we sustained our increase in employee
engagement. The Q12
Grand Mean score increased to 4.23 on a scale
of 1 to 5 where 5 is the highest score.
Figure: 10

84
Notes
Normalised earnings per share:
This key performance indicator (KPI) is calculated as profit attributable to ordinary
shareholders of the Group as normalised for certain one-off or irregular items, divided by
the weighted average of the shares in issue during the year.
Source: This measure is reported in note 14 of the Group’s audited financial statements.
Normalised return on shareholders‘ equity:
Normalised return on shareholders‘ equity. This KPI is calculated as the normalised profit
attributable to ordinary shareholders as a percentage of average ordinary shareholders‘
equity.
Source: This measure is derived from information within the Group’s audited financial
statements, being normalised earnings (note 14) as a percentage of average shareholders’
equity (excluding preference shares).
Operating income by region:
Source: This information is discussed in note 2 to the financial statements.
Net Promoter Score (NPS) Index:
NPS gauges customer support for the Consumer Banking products and services we
provide. We ask our customers ―How likely are you to recommend Standard Chartered to a
friend or colleague?‖ and apply a 10-point-scale where one is not likely at all and 10 is
most likely. We then derive the NPS by subtracting the percentage of detractors (those who
score one to five) from the percentage of promoters (those who score eight to 10). It
operates on a scale from –100 (all detractors) to +100 (all promoters).
Source: Market Probe Customer Satisfaction Survey (20 markets on average each year).
The survey uses interviews completed in the second half of 2011.
Core bank to more clients:

85
The metric charts our progress towards becoming the core bank to more clients by
measuring the number of client relationships where total global income exceeds the
threshold amount. The bar chart displays solid growth and the deepening of client
relationships year after year.
Source: Standard Chartered client income. Numbers for 2009 and 2010 have been restated
based on the Single Customer Identifier indicator as at 31 December 2011.
Capital ratios:
The components of the Group‘s capital are summarised in the Capital base table. The Tier
ratios are measured by the ratio of respective capital to risk weighted assets.
Source: This measure is reported in the Capital section.
Operating income:
Operating income is calculated as the sum of net interest income, net fees and commission
income, net trading income, and other operating income.
Source: This measure is reported in the Consolidated Income Statement.
Q12
Grand Mean:
The Q12
Grand Mean is the average of all responses by employees to the annual employee
engagement survey carried out by The Gallup Organisation, a well-known survey of 12
highly researched items that predict employee and workgroup performance.
Source: The Gallup Organisation, Q12
Employee Engagement Survey.
4.2 Share price comparison of three consecutive days:
Date Open High Low Close Volume
Oct 21, 2013 1489.50 1502.00 1484.00 1495.50 2,312,666
Oct 22, 2013 1493.50 1530.00 1490.00 1522.00 4,679,420
Oct 23, 2013 1508.00 1515.50 1493.00 1500.00 4,628,013
Oct 24, 2013 1503.00 1533.50 1494.50 1521.00 4,264,317
Oct 25, 2013 1489.50 1542.00 1484.00 1525.50 3,731,503

86
Standard chart PLC
Figure :11
4.3 BALANCE SHEET OF STANDARD CHARTERED BANK

Chapter 5 Corporate Social Responsibility
5.1 Corporate Social Responsibility at Standard Chartered Bank,
Bangladesh:
In addition to its business activities, Standard Chartered Bangladesh benefits the country
through its wide range of sustainability and community investment programs. The Bank is
the forerunner in CSR and Sustainability initiatives in Bangladesh.
The major areas of focus for the Bank‘s sustainability and community Initiatives in
Bangladesh are Health, Sports, Education, Arts and Culture, Environment and Climate
Change. We continuously carry on various meaningful activities that help the community.
We always strive to be a force for good in Bangladesh. Under our ‗Seeing is Believing‘
Project, Standard Chartered helps restore eyesight of the underprivileged. The fourth phase
of Seeing is Believing – A New Vision aims to raise USD 20 million to develop
comprehensive, sustainable eye care for 20 million people in less advantaged areas of 20
cities across the world, including Dhaka. In Dhaka, we have committed USD 1 million to
Dhaka Urban Comprehensive Eye Care project that will serve over 270,000 visually
impaired people. Standard Chartered Bangladesh has built an Operation Theatre and
children‘s Ward at Ispahani Islamia Eye Institute & Hospital and provides for its
maintenance since 2003.We funded free cataract operations for the underprivileged in
Chittagong & Sylhet. Through the ‗Living with HIV‘ programme, Standard Chartered
helps educate not only our staff but the youth in our communities about HIV/AIDS and its
prevention. We formed Bangladesh Business Coalition on HIV & AIDS (BBCA) with 10
corporate bodies. We also organized Living with HIV seminars for our clients in the RMG
Sector; the bank has also developed an infomercial on HIV/AIDS – starring Partha
PratimMajumder, world renowned Bangladeshi Mime artist, to raise awareness about this
important issue.
In 2012 the bank commissioned a study to assess the social and economic impact of
Standard Chartered in Bangladesh. This study was done by Professor Ethan Kapstein from
INSEAD. The report assesses the direct, indirect and induced impact of Standard Chartered
on Bangladesh and how it positively impacts country‘s GDP, employment, trade, various
business sectors and the community at large. The Bank has also focused its efforts in the
areas of history, culture and art, seeking to make a difference and surface little known

90
events and artwork. Recent works have included publications of books such as the English
version of ―Bandhon Hara‖ by the National Poet of Bangladesh Kazi Nazrul Islam, first
bilingual edition of ―Chhinnapatra‖ - a very special compilation of photographs taken by
Late Dr. Noazesh Ahmed based upon Tagore‘s famous literary creation (as a tribute to
Tagore on his 150th birth anniversary). This work of photo-literature was first published in
Bengali in 2002, by Standard Chartered Bank. Other publications include ‗Dhaka alias
Jahangirnagar: 400 years‘; ‗Ekattor: Moment of Victory‘; ‗Street Traders of Bangladesh‘;
‗Ekush‘; and ‗Rare Photographs of East Bengal 1880-1940.‘ Standard Chartered - The
Daily Star ―Celebrating Life‖ Contest is a platform for new talents across the country to
pursue their artistic and career goals in Film, Photography & Lyrics. The Bank has been
sponsoring this for the last 6 years. Apart from the gala annual award giving ceremony,
concerts and exhibitions (of photos and films) organised at several districts drew huge
crowds. In 2012, an intensive Film-Making Workshop was organised where 3 leading
directors taught participants for 4 months, and helped the students direct their own short
films. The bank also organized ―Celebrating Life Shadhinota Concert‖ on 31 March 2012
at Suhrawardy Udyan to celebrate Bangladesh's 40 years of independence.
Standard Chartered encourages development of youth through education scholarships and
sports sponsorships. Our efforts include sponsorship of Young Learners
Club of The British Council; ‗Governor Scholarship‘ in partnership with Dhaka University
Economics Department Alumni Association (DUEDAA) & Dhaka University
Department of Development Studies (DUDS); and the longstanding sponsorship of
Standard Chartered Young Tigers U-16 National Cricket Tournament. In the 2012
tournament, a total of 11,144 players from 538 teams played 1,096 matches in 72 venues
across the country for the coveted U – 16 title.
The Bank also encourages all corporate bodies in Bangladesh to uphold high standards of
social responsibility. We recognize exemplary work in the field of CSR
through Standard Chartered - Financial Express Corporate Social Responsibility Award.
The 4th Standard Chartered - Financial Express Corporate Social
Responsibility Award was held in March 2012.
Standard Chartered also partnered with The British Council for 'Climate4Classrooms' and
‗3000‘miles to go‘ campaigns to raise nationwide awareness on climate change issues,
mostly amongst school children and teachers.
Standard Chartered has always stood by the people of this community. During the cold
wave that shook the whole country in 2012, the bank donated over 6000blankets and
winter clothes to the unprivileged in Rajshahi, Dinajpur & Jamalpur. The bank also handed
over warm blankets to Bangladesh Bank for distribution among the poor and cold-affected
people in different parts of the country. Standard Chartered organized a blood donation
program along with Bangladesh Red Crescent Society in February 2012. A total of 179
units of bloods were collected in a single day and a large number of female colleagues of
the Bank also took part in the initiative. The bank also sponsored construction of classroom
of JAAGO Foundation at Rayerbazar, Dhaka along with opportunities for staff to volunteer
and help at the school. Employees from all departments volunteered nearly 1,000 days in
2012 (every employee is entitled to volunteer 3 days with full pay for the community) at

91
different events including World Sight Day 2012; JAAGO Foundation; Project for the
underprivileged children at Utsho Bangladesh; Utsho Bidyaniketan; Development Centre
of World Vision & Brac School in Chittagong.With a presence in Bangladesh that spans
over 100 years, Standard Chartered is proud to be the oldest bank in the country; and an
integral partner in progress for the nation and its people. At Standard Chartered, we are
committed to be here for people, here for progress, here for the long run - Here for good.
Lifetime Acheivement winners of Celebrating
Life 2012, Ferdausi Rahman, Firoza Begum
and Amanul Haque with Chief Guest Abul
Kalam Azad, Minister for Information and
Cultural Affairs, Editor & Publisher of The
Daily Star and Acting CEO of Standard
Chartered Bank Imtiaz Ibne Sattar
Young cricketers pose for a group photo with
coaches & celebrity cricketers & guardians at the
Cricket Clinic organized by Standard Chartered
Bank during Asia Cup
2012.
Mr. Alamgir Morshed, Acting CEO of
Standard Chartered Bangladesh along
with Bitopi Das Chowdhury, Head of
Corporate Affairs hands over 1,000
blankets to Mr. AFM Asaduzzaman of
Bangladesh Bank for distribution to the
underprivileged people.
Dr. Atiur Rahman, Governor, Bangladesh Bank; Dr.
Mizanur Rahman, Treasurer; Professor Farid Uddin
Ahmed, Dean, Faculty of Social Sciences, University of
Dhaka; Ms. Rounak Jahan,Chairperson, Department of
Development Studies & Ms. Bitopi Das Chowdhury, Head
of Corporate Affairs, Standard Chartered Bank with
recipients of 'Governor Scholarship' for 2011.

92
Staff volunteered for a month long book and
fund collection campaign to enrich the
library and renovate Utsho Bangladesh – a
school for underprivileged children.
Last year in partnership with British Council
and Wild Eye, Standard Chartered Bank
launched '3000 miles to go' campaign and
also 'Climate4Classrooms' campaign for
raising awareness on climate change issues.
On World Environment Day, employees of the
Bank attended a special session for climate
change issues in the context of Bangladesh.
Imtiaz Ibne Sattar, Chief Financial Officer,
Standard Chartered Bank and Korvi
Rakshand, Founder, JAAGO Foundation
inaugurated the classroom sponsored by the
Bank at JAAGO Foundation School, Rayer
Bazar recently. Standard Chartered Bank staff
also volunteered in the construction work of
the classroom.
Jim McCabe, CEO, Standard Chartered Bank,
Bangladesh leading nearly 250 members of
staff and Dhaka Urban Comprehensive Eye
Care (DUCEC) Project partners at the World
Sight Day 2012 Rally held in the capital.

93
5.2 Social responsibilities carried out by Standard chartered bank
throughout the world:
At Standard Chartered, we are very clear on our obligations to society. Our brand promise
Here for good captures our commitment to always try to do the right thing, to take a long-
term view, to support our clients and customers and the communities where we operate.We
have three key sustainability priorities: contributing to sustainable economic growth, being
a responsible company and investing in communities.We are proud to have grown with
Hong Kong for over 150 years. We will continue to support Hong Kong's development as
a great place to live and work, focusing our community efforts on the areas of youth,
health, education and the environment.
A.There are 39 million blind people in the world. Yet, 80% of blindness is avoidable.
Seeing is Believing is Standard Chartered's global fundraising programme that helps
eradicate avoidable blindness. Standard Chartered will match all donations, dollar for
dollar.Since the launch of the programme in 2003, we have already raised over US$50
million (as of 2012), and have helped more than 31 million people. By 2020, we aim to
fundraise US$100 million for Seeing is Believing.For Hong Kong, we partner with ORBIS
International to carry out sight restoration, treatment, training to medical professionals and
education in China.If you wish to make a donation to support Seeing is Believing projects
in China, please deposit to the following Standard Chartered account:
Account Name: PROJECT ORBIS INTERNATIONAL INC.
Account Number: 447-0-050014-9

94
B.
Standard Chartered initiated the global programme "Living with HIV" in 2003 to fight the
epidemic of HIV/AIDS.Our Living with HIV effort is simple: education. We believe that
education can prevent the spread of HIV. Being informed and aware, knowing the facts,
understanding the risks and adopting safer behaviours can help avoid infection in the first
place or prevent passing it on if someone is already HIV-positive. And through education,
we can work to eliminate myths, stigma and discrimination, helping to stop the rejection,
fear and isolation experienced by people infected or affected around the world.The Bank
trains staff volunteers to become "Living with HIV Champions" who will further help
share the knowledge with others.In Hong Kong, we work closely with different
organisations such as AIDS Concern, Chi Heng Foundation, universities and corporations
to promote awareness and understanding of HIV and AIDS through thought leadership,
peer education and community service.

95
C.Standard Chartered Hong Kong Marathon
Standard Chartered Bank has sponsored the Hong Kong Marathon for 18 consecutive
years, starting from 1997. Through this sponsorship, the Bank promotes a healthy lifestyle
and the marathon spirit in Hong Kong's community.
The annual race has attracted overwhelming participation from local and international
runners. It is the largest participatory sporting event in Hong Kong, a 'Brand Hong Kong'
activity and a source of pride for Hong Kong's community.
Standard Chartered Hong Kong Marathon 2014
The Standard Chartered Hong Kong Marathon 2014 will take place on Sunday, 16
February 2014, with the theme 'RUN FOR A REASON'. Those planning to take part in
the Marathon are encouraged to start training now to ensure race safety and enjoyment.
Information about the race and the registration procedure will be announced in mid-
September 2013!
Supporting the Community
 The Standard Chartered Hong Kong Marathon is proud to support the needs of the
community through its Charity Programme. Since its inception, over HKD 30
million has been raised for these charitable causes, of which over HKD 5 million
was raised in 2012. These donations were largely made possible by the many
thousands of inspired runners who want to make a difference to society beyond
their personal reward of completing a marathon.
 Three charitable causes have been selected as the key beneficiaries of the Marathon
Charity Programme:

96
Seeing is Believing, The Hong Kong Paralympic Committee & Sports Association
for the Physically Disabled, The Hong Kong Anti-Cancer Society
 The Marathon Charity Programme Online Donation Portal provides a convenient,
environmentally-friendly way for runners and their supporters to raise funds and to
promote how they are exemplifying the Marathon theme "Run for a Reason
Marathon 101 Education Programme
With the continued support and endorsement of the Education Bureau, the "Marathon 101
Education Programme" attracts overwhelming participation from primary and secondary
schools. In 2012-2013, 80% of the schools in Hong Kong joined the Programme.
D.Standard Chartered Arts in the Park Mardi Gras
Standard Chartered Arts in the Park Mardi Gras, the largest annual community arts event
in Hong Kong, features a thematic parade with giant puppets (8-12 feet tall), youth
performance and art stalls in Victoria Park every November since 2008. The 2-day fiesta
provides a unique opportunity for thousands of youth to flaunt their artistic talents and
creativity as well as to develop their self-esteem.
In 2012, the thematic parade reached the main streets of Causeway Bay, one of the busiest
districts in Hong Kong.
E. Evolvement of the programme
Foundation‘s annual community arts event ―Standard Chartered Arts in the Plaza‖, the
event was renamed ―Standard Chartered Arts in the Park Mardi Gras‖ in 2008 and moved
from Stanley Plaza to Victoria Park. The Mardi Gras was inspired by international art

97
festivals and carnivals such as those in Notting Hill of England and Rio de Janeiro of
Brazil.
their
creativity and talents through parade artworks and performances. Last year, the event
attracted a record-breaking number of 100,000 visitors.
F.Environment
Take a Brake Low Carbon Action:
Initiated by Standard Chartered Hong Kong and sponsored by Standard Chartered Hong
Kong 150th Anniversary Community Foundation, Take a "Brake" Low Carbon Action is
an initiative to encourage people to drive less and promote green driving and living habits.
Green Monday:
In 2013, Standard Chartered Hong Kong has also launched Green Monday with the goal of
reducing carbon emissions and protecting the environment. Our staff cafeteria in Hong
Kong -- which services more than 6000 staff -- offers a variety of vegetarian food options
every Monday. We are also promoting the benefits of green eating and living in our
internal and external events.
Our simple actions and commitment will make a difference to the environment and help
combat the global climate change issue.

98
F.Staff Community Programme and Employee Volunteering Policy
Programme Care
In addition to our corporate-driven programmes, our staff have voluntarily established an
employee-led committee that organises a number of community events, including the
promotion of sports and healthy lifestyles; environmental, volunteering, and charity
activities, and much more.
Employee Volunteering Leave Policy
To encourage our staff to participate in community events and contribute to society, every
employee of the Bank receives an additional 3 days of leave to spend on community
service each year. This Employee Volunteering Leave Policy provides staff with an
opportunity to make a difference, as well as recognising and supporting staff members'
commitment to volunteering.

99
5.3 Recent Achievements
 First commodity derivatives in Bangladesh and cotton hedge for the Group for
Square Textiles
 Joint lead arranger for country‘s first 5 year Asset backed Securitization (ABS)
 Record Call Account growth in RAJUK fund – Ranked first among all collecting
banks
 Enhancement of Microfinance: BRAC, BURO, Shakti
 First country to go live with IFRS compliant IMEX
 Consumer Banking new asset product system e-Lending introduced
 Rolled out RCMS on eBBS, first time in Group
 Pioneer country in e-CDD rollout
 ‗Best Bank‘ for Corporate Social Responsibility for 2006 by Bankers‘ Forum
 ‗Best Retail Bank in Bangladesh‘ award in The Asian Banker Excellence in Retail
Financial Services programme for its performance in 2007
 ‗National Best Corporate‘ Award 2007 by Institute of Cost Management
Accountants
 "Best IT Use Award 2007" by Bangladesh Association of Software & Information
Services (BASIS)
 ‗Best Employer of IBA Graduates‘ in 2008 by IBA Alumni Association
 "Best Foreign Commercial Bank in Bangladesh" by FianaceAsia in 2009 & 2010

5.4 Points of interest
 Flagship country for the Seeing is Believing initiative where we built an Operation
Theatre and Children‘s Ward at Islamia Eye Hospital to provide cataract surgery to
at least 12,000 patients per annum
 We jointly initiated the 'Standard Chartered-Financial Express Corporate Social
Responsibility Award' in 2006
 Leading bank in community activities (please refer to CSR Activities below for
details)

Observation and findings
We have collected this information from the website of ―STANDARED CHARTERED
BANK‖. While preparing the report a questionnaire survey was conducted. Five questions
were asked to the account holders of SCB. Due to limitation, only 50 clients were asked
and they were chosen randomly. The collected opinions and analysis were as follows:
1. What is your overall rating of the branch services of SCB?
Result Frequency Percent Valid Percent
Not bad 2 4.0 4.0
Good 12 24.0 24.0
Very
good
16 32.0 32.0
Excellent 20 40.0 40.0
Total 50 100.0 100.0
2. What is your overall rating of the teller services of SCB?
Not bad Good Very good Excellent
What is your overall rating of the branch service of SCB
0
2
4
126
168
20
Count
From the survey it is found
that 40 percent of the total
sample size said that the
overall rating of SCB is
excellent.Only 4 percent
said that the performance of
the SCB is not quit
satisfactory.

II
What is your overall rating of the teller services of SCBResult Frequency Percent
Cumulative
Percent
poor 2 4.0 4.0
Good 12 24.0 28.0
Very
good
12 24.0 52.0
Excellent 24 48.0 100.0
Total 50 100.0
poor Good Very good Excellent
What is your overall rating of the teller services of SCB
0
4
8
12
16
20
24
Count
We find that among 50
clients 24 are very much
satisfied with the teller
services where as only 2 is
very dissatisfied with the
performances.

III
3.Based on your last visit, how long did you have to wait before a teller served you?
Based on your last visit , how long did you have to wait before a teller served you?Result Frequency Percent
Cumulative
Percent
Not bad 6 12.0 12.0
Good 8 16.0 28.0
Very
good
10 20.0 48.0
Excellent 26 52.0 100.0
Total 50 100.0
Based on your last visit ,how long did you have to wait before a teller served
you?
0
10
20
30
40
50
60
Percent
From the survey, I found that clients
haven’t wait much more time, thus
50 percent evaluate the
performance as excellent where
only 10 percent said that
performance is not quite good.

IV
4.How would you rate the following aspect of teller services: Willingness to help at all
times?
Result Frequency Percent
Cumulative
Percent
Not bad 10 20.0 20.0
Good 8 16.0 36.0
Very
good
14 28.0 64.0
Excellent 18 36.0 100.0
Total 50 100.0
COMMENTS:
From the survey of, we find that the teller services performances mainly depends on the three
consecutive questions. They comments that the overall services of the teller services are good
as 24 persons given that teller services is excellent. When the question came about the time
consideration 50 percent said that they are excellent and about the question of willingness 36
percent said that they are excellent. So for the overall up gradation of the branch performance,
willingness of the teller employee should give the priority.
How would you rate the following aspect of Teller service:willingness to help
at all times?
0
10
20
30
40
Percent
Different opinions have
been found from the
account holders when
asking this question. They
also divided in their
opinion. More than 30
percent said they are
excellent about helping
the clients where 20
percent comment about
the less than average
performance.

V
5.How would you rate the following aspect of Call Centre Agent: The Attentiveness?
How would you rate the following aspect of Call Centre Agent: The Attentiveness?
Result Frequency Percent
Cumulative
Percent
Not bad 2 4.0 4.0
Good 10 20.0 24.0
Very
good
18 36.0 60.0
Excellent 20 40.0 100.0
Total 50 100.0
COMMENTS:
Call center which is newly introduced by SCB ding works for solving the problems of the
customers. They are now doing a very good job to help the customer. And now the
overall performance of the bank also depends on the performance of the call center. From
the survey it is found that the customers are very much pleased on the call centre
performance. Still improvement is needed. Because the overall performance of the call
center depends on the attentiveness of the call center representatives as well as their
quality of service so improvement is needed in both the cases.
How would you rate the following aspact of Call Centre Agent: The
Attentiveness?
0
10
20
30
40
Percent
According to the client’s
opinion, 40 percent comment
that Call centre representative
are very attentive.5 percent of
them tell, that they are not
bad rather good.

VI
Conclusion
Standard chartered bank has brought about a modernistic modification in banking sector and
facilitated our life to a great extent. Our banking experience is not confined within the geographical
territory. All the banking service in this bank is of high standard. But its high service cost is the
only limitation of this bank. Though it has performed myriad kinds of social responsibilities the
student class is not given the least importance. We strongly believe that this factor will soon be
taken into its purview and this bank will surprise us with the more convenient & safer services &
will be able to accomplish its objectives.
With years of banking experience, Standard Chartered is undoubtedly in a strong position to help
growing business sail through the complexities they may face. Standard Chartered Bank offers one
of the widest range of banking products and services in the market today. Managing a growing
business demands most of your time and energy. That is why working with the right bank can help
one‘s business sail more smoothly and Standard Chartered Bank helps in doing that as it
understands today‘s business requirements. The bank provides the right kind of services and
accounts at the right time and according to the need of market. The expertise of Standard Chartered
with over 150 years‘ experience, global network of 1700 offices in 70 countries making it one of
the leading providers of treasury financial services. As the largest independent distributor of third
party funds, Standard Chartered gives investors choice, unbiased evaluation of funds and a
portfolio management account that matches your risk profile and investment goals. Not only this,
the bank provides the widest range of foreign currencies for your investment needs plus other
products such as housing loan, insurance and unit trusts. Standard Chartered Bank well developed
remote channels for your banking convenience through our 24-hour phone banking and internet
banking. Foreign banks in Bangladesh are subject to the same regulations as scheduled banks.
Currently about 9 foreign banks are licensed to operate in Bangladesh. Foreign bank branches in
Bangladesh finance trade through their global networks. All commercial banks including Standard
Chartered face stiff restriction on the use of both their assets and liabilities. Forty per cent of loan
must be directed to ―priority sectors‖ and the high liquidity ratio and cash reserve requirements
severely limit the availability of deposits for lending. Since July 1993, foreign banks like Standard
Chartered have been requiring to make 32 percent of their loans to the priority sector. Within the
target of 32 percent, two sub targets for loans to the small scale sectors (minimum of 10 percent)
and exports (minimum of 12 percent)have been fixed. Foreign banks, however, are not required to
open branches in rural areas, or to make loans to the agricultural sector.

VII
RECOMMENDATIONS/ SUGGESTIONS
1.STRONG NEEDS OF BRAND BUILDING
The bank needs to make a lot of marketing efforts. The level of recognition that may be
desired by any brand has not been achieved by Standard Chartered Bank. A lot of noise is
made whenever a child is born and as long as that noise is not made the doctors are not
sure about life of that child. Same is the case in marketing. Whenever a new branch comes
into existence it is necessary that they announce their birth. Here comes the pre-launch
exercises, and in similar in the case after the birth, the name has to be taken again. Boast
about yourself ,about the strong points that you have over and above your competitors. Pull
the customers towards you. As said earlier it is a relationship of trust and this trust can be
generated through the better and better performance of the bank. Now as working with the
bank for some time the fact have come out that they believe in low costing and want to
keep low profile. So better way of marketing can be sought which are low of cost. These
are discussed further
Promotional strategies
Press publicity:
 Paper inserts
 Advertisements in newspaper (local and national)
 Interest cards distribution
 Mailers/personal invitations to selective section of society
 Leaflets
Outdoor publicity
 Banners in commercial areas and prime sites
 Air balloons at shopping complexes
 Bus stand shelters
 Off-site ATM for developing business
 Advertisements on dividers and railings
Media
 Local channel advertisements (cable TV scrolls)
 Advertisements in news and business channels

VIII
Face to face
 Through personal interaction of marketing executives.
 Meeting
 Detailing about schemes and updating them from timeto time
 Events sponsoring in local clubs and social gathering
 Road shows
 Contacting senior citizens in parks in morning and evening
 Contacting office goers in the morning and evening at stop lights by distribution of interest
cards.
Advertisements strategies segmented according to the target customer
Senior citizens, housewives, students, service class
 Personal mailers
 Contacting at parks during morning and evening walk
 Contacting at stop lights
 Road shows at market side
 Cable TV advertisements during prime time
 Stick on the newspaper
 Leaflet on the wiper of the vehicles in the parking slots
Educational bodies
 Sponsoring events in schools and colleges
 Meeting the top management for opening salary account and fee payment system of
the students
Local clubs like young clubs, laughter club, senior citizen club, ladies club, etc.
 Event sponsoring
 Temporary banners
 Advertisements in club magazines
 Opening of extension counters (in case of large clubs)

IX
Commercial places and market establishment
 Cold calling
 Personal visits of the executives
2.NEED A CHANGE IN MARKETING FOCUS
The marketing team of the branch has until now focused on selling of their most
competitive product, which are there fixed deposits. The rates of interest, which they
provide on fixed deposits, are really competitive and highest in the market. But this
strategy could not be held for a longer period of time as in the long run it would become
liability to the bank to pay such high rate of interest and it would lower the revenues of
the branch. Even the survey conducted proved that the fastest selling product is savings
account amongst the consumer. With a network that is good enough this bank can make
efforts to increase the market share in the area where the competition is so tough. This
needs a brain storming from the top management in the branch as to how about fixing the
targets in each category of accounts.
Solid network required to develop the business further
If we see the results of the survey, it is evident that people prefer strong network system to
make their banking life as comfortable and reachable as possible. For Standard Chartered
bank to enjoy a good customer base they should make efforts towards developing more and
more ATM in the cities and extension counters to facilitate better and fast service.
Updating of technology from time to time is very necessary. Standard Chartered bank was
the very first bank to start few of the very good services like internet banking, bringing
about new services to attract more and more consumers should carry on this tradition
further.
Corrective positioning of Standard Chartered bank
Standard Chartered bank is known for its corporate operations. Very big names in the
corporate world have their account with the bank. For the past so many years it has been
catering to these clients only and has generated an image of being a corporate bank. The
product extension into the retail segment need separate focus and separate positioning in
the market. The bank cannot carry on its old image for both segment of market. For this a
distinctive advertising campaign has to be developed (refer to the promotional activities
stated earlier) to reposition the brand in potential consumer‘s mind. It should be noted that
both the type of clients differ from each other in their true nature. One is a very low profile
relationship, which talks about masses. This type of client requires assurance, trust,
information and support. This is retail banking. While on the other hand the second type of
relationship is stronger, which is the corporate client that requires different setup all
together.
3.MAKE THE BRANCH SELF-INFORMATIVE
The branch should be decorated in the manner, which would provide maximum
information to the customer without any difficulty. All the schemes and product, all the

X
service charges, days and time of transaction should be printed in a beautiful manner and
hanged on the walls of the branch where customer can see with ease. This was one of the
things, which was found to be absent in this branch. By doing so customers would feel
more attached and it will be converted in higher number of accounts.
4.SERVICE LIKE PHONE BANKING AND ATM SHOULDBE ENCOURAGED.
Glossary
Advances-to-
deposits ratio
The ratio of total loans and
advances to customers relative
to total customer deposits. A
low advances-to-deposits ratio
demonstrates that customer
deposits exceed customer loans
resulting from emphasis placed
on generating a high level of
stable funding from customers.
Asset backed
securities (ABS)
Securities that represent an
interest in an underlying pool of
referenced assets. The
referenced pool can comprise
any assets that attract a set of
associated cash flows but are
commonly pools of residential
or commercial mortgages and in
the case of Collateralised Debt
Obligations (CDOs), the
reference pool may be ABS.
Advanced Internal
Rating Based (IRB)
approach
The advanced IRB approach
under the Basel II framework is
Leveraged finance
Loans or other financing agreements provided to
companies whose overall level of debt is high in relation
to their cash flow (net debt: EBITDA (earnings before
interest tax, depreciation and amortisation)) typically
arising from private equity sponsor led acquisitions of the
businesses concerned.
Liquidity and credit enhancements
Credit enhancement facilities are used to enhance the
creditworthiness of financial obligations and cover losses
due to asset default. Two general types of credit
enhancement are third-party loan guarantees and self-
enhancement through over-collateralisation. Liquidity
enhancement makes funds available if required, for other
reasons than asset default, e.g. to ensure timely repayment
of maturing commercial paper.
Liquid asset buffer
High quality unencumbered assets that meet the UK
FSA‘s requirements for liquidity. These assets include
high quality government or central bank securities, certain
deposits with central banks and securities issued by
designated multilateral development banks.
Liquid asset ratio
Ratio of total liquid assets to total assets. Liquid assets
comprise cash (less restricted balances), net interbank,
treasury bills and debt securities less illiquid securities.

XI
used to calculate credit risk
capital based on the Group‘s
own estimates of certain
parameters.
Attributable profit
to ordinary
shareholders
Profit for the year after non-
controlling interests and the
declaration of dividends on
preference shares classified as
equity.
Basis points (bps)
One hundredth of a per cent
(0.01 per cent); 100 basis points
is 1 per cent. Used in quoting
movements in interest rates or
yields on securities.
CAD2
An amendment to the Capital
Adequacy Directive that gives
national regulators the
discretion to permit firms to use
their own value at risk model
for calculating capital
requirements subject to certain
criteria.
Collateralised Debt
Obligations (CDOs)
Securities issued by a third
party which reference ABSs
and/or certain other related
assets purchased by the issuer.
CDOs may feature exposure to
sub-prime mortgage assets
through the underlying assets.
Loans and advances
This represents lending made under bilateral agreements
with customers entered into in the normal course of
business and is based on the legal form of the instrument.
An example of a loan product is a home loan.
Loans to individuals
Money loaned to individuals rather than institutions. The
loans may be for car or home purchases, medical care,
home repair, holidays, and other consumer uses.
Loan-to-value ratio
The loan-to-value ratio is a mathematical calculation that
expresses the amount of a first mortgage lien as a
percentage of the total appraised value of real property.
The loan-to-value ratio is used in determining the
appropriate level of risk for the loan and therefore the
correct price of the loan to the borrower.
Loans past due
Loans on which payments have been due for up to a
maximum of 90 days including those on which partial
payments are being made.
Loss given default (LGD)
LGD is the percentage of an exposure that a lender
expects to lose in the event of obligor default.
Master netting agreement
An agreement between two counterparties that have
multiple derivative contracts with each other that provides
for the net settlement of all contracts through a single
payment, in a single currency, in the event of default on,
or termination of, any one contract.
Mezzanine capital
Financing that combines debt and equity characteristics.
For example, a loan that also confers some profit

XII
Collateralised Loan
Obligation (CLO)
A security backed by the
repayments from a pool of
commercial loans. The
payments may be made to
different classes of owners (in
tranches).
Collectively
assessed loan
impairment
provisions
Also known as portfolio
impairment provisions.
Impairment assessment on a
collective basis for
homogeneous groups of loans
that are not considered
individually significant and to
cover losses that have been
incurred but have not yet been
identified at the balance sheet
date. Typically assets within the
Consumer Banking business are
assessed on a portfolio basis.
Commercial
Mortgage Backed
Securities (CMBS)
Securities that represent
interests in a pool of
commercial mortgages.
Investors in these securities
have the right to cash received
from future mortgage payments
(interest and/or principal).
Commercial Paper
participation to the lender.
Mortgage Backed Securities (MBS)
Securities that represent interests in a group of mortgages.
Investors in these securities have the right to cash received
from future mortgage payments (interest and/or principal).
Mortgage related assets
Assets that are referenced to underlying mortgages.
Medium term note (MTN)
Corporate notes continuously offered by a company to
investors through a dealer. Investors can choose from
differing maturities, ranging from nine months to 30 years.
Net asset value per share
Ratio of net assets (total assets less total liabilities) to the
number of ordinary shares outstanding at the end of a
reporting period.
Net interest income
The difference between interest received on assets and
interest paid on liabilities.
Net interest margin
The margin is expressed as net interest income divided by
average interest earning assets.
Net interest yield
Interest income divided by average interest earning assets
less interest expense divided by average interest bearing
liabilities.
Non-performing loans
A non performing loan is any loan that is more than 90
days past due or is otherwise individually impaired, other

XIII
(CP)
An unsecured promissory note
issued to finance short-term
credit needs. It specifies the face
amount paid to investors on the
maturity date.
Commercial real
estate
Includes office buildings,
industrial property, medical
centres, hotels, malls, retail
stores, shopping centres, farm
land, multifamily housing
buildings, warehouses, garages,
and industrial properties.
Commercial real estate loans are
those backed by a package of
commercial real estate assets.
Constant currency
Constant currency change is
derived by applying a simple
translation of the previous
period functional currency
number in each entity using the
current average and period-end
US dollar exchange rates to the
income statement and balance
sheet respectively.
Contractual
maturity
Contractual maturity refers to
the final payment date of a loan
or other financial instrument, at
which point all the remaining
outstanding principal will be
repaid and interest is due to be
paid.
than a loan which is:
 renegotiated before 90 days past due, and on
which no default in interest payments or loss of
principal is expected; or
 renegotiated at or after 90 days past due, but on
which there has been no default in interest or
principal payments for more than 180 days since
renegotiation, and against which no loss of
principal is expected.
Normalised earnings
Profit attributable to ordinary shareholders adjusted
for profits or losses of a capital nature; amounts
consequent to investment transactions driven by strategic
intent; and other infrequent and/or exceptional
transactions that are significant or material in the context
of the Group‘s normal business earnings for the period.
Over the counter (OTC) derivatives
A bilateral transaction (e.g. derivatives) that is not
exchange traded and that is valued using valuation
models.
Pre-provision profit
Operating profit before impairment losses and taxation.
Private equity investments
Equity securities in operating companies generally not
quoted on a public exchange. Investment in private equity
often involves the investment of capital in private
companies. Capital for private equity investment is raised
by retail or institutional investors and used to fund
investment strategies such as leveraged buyouts, venture
capital, growth capital, distressed investments and
mezzanine capital.
Probability of default (PD)
PD is an internal estimate for each borrower grade of the
likelihood that an obligor will default on an obligation.

XIV
Cost to income ratio
Represents the proportion of
total operating expenses to total
operating income.
Cover ratio
Represents the extent to which
non-performing loans are
covered by impairment
allowances.
Covered bonds
Debt securities backed by a
portfolio of mortgages that are
segregated from the issuer‘s
other assets solely for the
benefit of the holders of the
covered bonds.
Credit Conversion
Factor (CCF)
CCF is an internally modelled
parameter based on historical
experience to determine the
amount that is expected to be
further drawn down from the
undrawn portion in a committed
facility.
Credit Default
Swaps (CDS)
A credit derivative is an
arrangement whereby the credit
risk of an asset (the reference
asset) is transferred from the
buyer to the seller of protection.
A credit default swap is a
contract where the protection
seller receives premium or
interest-related payments in
Profit attributable to ordinary
shareholders
Profit for the year after non-controlling interests and
dividends declared in respect of preference shares
classified as equity.
Renegotiated loans
Loans and advances are generally renegotiated either as
part of an ongoing customer relationship or in response to
an adverse change in the circumstances of the borrower. In
the latter case renegotiation can result in an extension of
the due date of payment or repayment plans under which
the Group offers a concessionary rate of interest to
genuinely distressed borrowers. Such assets will be
individually impaired where the renegotiated payments of
interest and principal will not recover the original carrying
amount of the asset. In other cases, renegotiation may lead
to a new agreement, which would be treated as a new
loan.
Repo/Reverse repo
A repurchase agreement or repo is a short-term funding
agreement that allows a borrower to sell a financial asset,
such as ABS or Government bonds as collateral for cash.
As part of the agreement the borrower agrees to
repurchase the security at some later date, usually less
than 30 days, repaying the proceeds of the loan. For the
party on the other end of the transaction (buying the
security and agreeing to sell in the future) it is a reverse
repurchase agreement or reverse repo.
Residential mortgage
A loan to purchase a residential property that is then used
as collateral to guarantee repayment of the loan. The
borrower gives the lender a lien against the property, and
the lender can foreclose on the property if the borrower
does not repay the loan per the agreed terms. Also known
as a Home loan.
Residential Mortgage Backed

XV
return for contracting to make
payments to the protection
buyer upon a defined credit
event. Credit events normally
include bankruptcy, payment
default on a reference asset or
assets, or downgrades by a
rating agency.
Credit risk spread
The credit spread is the yield
spread between securities with
the same coupon rate and
maturity structure but with
different associated credit risks,
with the yield spread rising as
the credit rating worsens. It is
the premium over the
benchmark or risk-free rate
required by the market to take
on a lower credit quality.
Credit Valuation
Adjustment (CVA)
An adjustment to fair value
primarily in respect of
derivative contracts that reflects
the possibility that the
counterparty may default such
that the Group would not
receive the full market value of
the transactions.
Customer deposits
Money deposited by all
individuals and companies that
are not credit institutions. Such
funds are recorded as liabilities
in the Group‘s balance sheet
under Customer accounts.
Debt restructuring
Securities (RMBS)
Securities that represent interests in a group of residential
mortgages. Investors in these securities have the right to
cash received from future mortgage payments (interest
and/or principal).
Return on equity
Represents the ratio of the current year‘s profit available
for distribution to ordinary shareholders to the weighted
average ordinary shareholders equity for the reporting
period.
Risk weighted assets
A measure of a bank‘s assets adjusted for their associated
risks. Risk weightings are established in accordance with
the Basel Capital Accord as implemented by the FSA.
Securitisation
Securitisation is a process by which debt instruments are
aggregated into a pool, which is used to back new
securities. A company sells assets to a special purpose
entity (SPE) that then issues securities backed by the
assets based on their value. This allows the credit quality
of the assets to be separated from the credit rating of the
original company and transfers risk to external investors.
Sovereign exposures
Exposures to central governments and central government
departments, central banks and entities owned or
guaranteed by the aforementioned. Sovereign exposures as
defined by the European Banking Authority includes only
exposures to central governments.
Special purpose entities (SPEs)
SPEs are entities that are created to accomplish a narrow
and well defined objective. There are often specific
restrictions or limits around their ongoing activities.
Transactions with SPEs take a number of forms,

XVI
This is when the terms and
provisions of outstanding debt
agreements are changed. This is
often done in order to improve
cash flow and the ability of the
borrower to repay the debt. It
can involve altering the
repayment schedule as well as
debt or interest charge
reduction.
Debt securities
Debt securities are assets on the
Group‘s balance sheet and
represent certificates of
indebtedness of credit
institutions, public bodies or
other undertakings excluding
those issued by central banks.
Debt securities in
issue
Debt securities in issue are
transferable certificates of
indebtedness of the Group to the
bearer of the certificate. These
are liabilities of the Group and
include certificates of deposits.
Delinquency
A debt or other financial
obligation is considered to be in
a state of delinquency when
payments are overdue. Loans
and advances are considered to
be delinquent when consecutive
payments are missed. Also
known as ‗Arrears‘.
Dividend per share
Represents the entitlement of
each shareholder in the share of
including:
 The provision of financing to fund asset purchases,
or commitments to provide finance for future
purchases.
 Derivative transactions to provide investors in the
SPE with a specified exposure.
 The provision of liquidity or backstop facilities
that may be drawn upon if the SPE experiences
future funding difficulties.
 Direct investment in the notes issued by SPEs.
Standardised approach
In relation to credit risk, a method for calculating credit
risk capital requirements using External Credit
Assessment Institutions (ECAI) ratings and supervisory
risk weights. In relation to operational risk, a method of
calculating the operational capital requirement by the
application of a supervisory defined percentage charge to
the gross income of eight specified business lines.
Structured finance/notes
A structured note is an investment tool that pays a return
linked to the value or level of a specified asset or index
and sometimes offers capital protection if the value
declines. Structured notes can be linked to equities,
interest rates, funds, commodities and foreign currency.
Subordinated liabilities
Liabilities which, in the event of insolvency or liquidation
of the issuer, are subordinated to the claims of depositors
and other creditors of the issuer.
Sub-prime
Sub-prime is defined as loans to borrowers typically
having weakened credit histories that include payment
delinquencies and potentially more severe problems such
as court judgements and bankruptcies. They may also
display reduced repayment capacity as measured by credit
scores, high debt-to-income ratios, or other criteria
indicating heightened risk of default.

XVII
the profits of the company.
Calculated in the lowest unit of
currency in which the shares are
quoted.
Effective tax rate
(ETR)
The tax on profits on ordinary
activities as a percentage of
profit on ordinary activities
before taxation.
Expected loss (EL)
The Group measure of
anticipated loss for exposures
captured under an internal
ratings based credit risk
approach for capital adequacy
calculations. It is measured as
the Group-modelled view of
anticipated loss based on
Probability of Default (PD),
Loss Given Default (LGD) and
Exposure at Default (EAD),
with a one-year time horizon.
Tangible net asset value per share
Ratio of parent shareholders‘ equity less preference shares
classified as equity and goodwill and intangible assets to
the number of ordinary shares outstanding at the end of
the reporting period.
Working profit
Operating profit before impairment losses and taxation.
Write-downs
After an advance has been identified as impaired and is
subject to an impairment allowance, the stage may be
reached whereby it is concluded that there is no realistic
prospect of further recovery. Write-downs will occur
when and to the extent that, the whole or part of a debt is
considered irrecoverable.

XVIII
BIBLIOGRAPHY/REFERENCES
WWW.STANDARDCHARTERED.CO.UK
WWW.STANDARDCHARTERED.CO.US
WWW.STANDARDCHARTERED.COM.BD
WWW.WIKIPEDIA.COM
WWW.YAHOO.COM
STANDARD CHARTERED BANK BOOKLETS
STANDARD CHARTERED BANK FINANCIAL REPORTS 2005 & 2006.
BANGLADESH BANK FOREIGN EXCHANGE REGULATION GUIDANCE.
OTHERS:
o JOURNALS
o NEWSPAPERS
o REPORTS

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