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

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3.MasterCard 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
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 Special privileges and up to 45% Discount for staying at selected hotels
both home and abroad
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:
o Exclusive First usage discount voucher at outlets like Aarong, Apex, Cats
Eye etc
o FREE Supplementary Card
o Global Usage Privilege
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

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 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

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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

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 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:

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 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.

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