Standard Chartered

STANDARD CHARTERED

SEEING IS BELIEVING

The Standard Bank History

ng the grant of a Royal Charter by Queen Victoria in 1853. es in Mumbai (Bombay), Calcutta and Shanghai in 1858, followed by Hong Kong and Singapore in 1859. from Mumbai (Bombay), indigo and tea from Calcutta, rice in Burma, sugar from Java, tobacco from Sumatra, hemp pment of trade with the East which followed the opening of the Suez Canal in 1869 and the extension of the telegraph

ank bought

uth Africa in 1862 by John Paterson. Commenced business in Port Elizabeth, South Africa, in January 1863. lopment of the diamond fields of Kimberley from 1867 and later extended its network further north to the new town of Johannesburg whe Eastern Africa and by 1953 had 600 offices. West Africa expanding its operations into Cameroon, Gambia, Ghana, Nigeria and Sierra Leone

69 through a merger of two banks: The Standard Bank of British South Africa founded in 1863 and the Chartered Ban uge expansion of trade and to earn the handsome profits to be made from financing the movement of goods from Eur

COVERED DESTINATIONS

BOARD OF DIRECTORS

Chairman Mervyn Davies CBE

EXECUTIVE DIRECTORS Peter Sands Group Chief Executive

Richard Meddings Group Finance Director

Steve Bertamini Group Executive Director, Consumer Banking

OTHER EXECUTIVES Jaspal Singh Bindra Director, Asia and of Standard Chartered Bank

Tim Miller Director, People, Property and Assurance

Afaq Khan CEO Islamic Banking

Sales Department

ØCREDIT CARDS. ØCHEQUE BOOK. ØATM CARDS. ØLockers. ØCDM . ØCRO.

Sales Department Lockers

ACCOUNTS ØBASIC. ØBUSINESS. ØEASY SAVER. ØFLEX. ØFOREIGN CURRENCY. ØMAHANA IZAFA. ØSHAULAT. ØSUPER SAVING.

CREDIT CARDS Cash Deposit Machine

ØAMERICAN EXPRESS CREDIT ØAMERICAN EXPRESS CHARGE ØPIA CO - BRAND CREDIT CARD . ØCRICKET CREDIT CARD . ØEASY CREDIT CARD . ØMASTER CARD . ØSADIQ VISA CREDIT CARD . ØVISA CREDIT CARD .

CARD . CARD .

SAHULAT ONLINE ACCCOUNT.

ØUnlimited online banking facilities at all branches . ØHighly competitive transactional charges . ØFaster international remittances credited to their account because of international network . ØVisa Shopping Card provides access to your funds 24 hours a day and can be used at all MNET and 1 - Link ATMs across PakistanBANKING . BASIC ACCOUNT . ØInter - branch transaction facility among 176 branches across 25 cities . ØCustomer Contact Centre . ØProfit calculated on a minimum balance basis .

FLEX ACCCOUNT .

ØVISA Debit Card provides access to funds 24 hours a day and can be used on all MNET & 1 - Link ATMs across Pakistan . ØATM card is a VISA Debit Card and can be used to make purchases at thousands of outlets across Pakistan Ø24 hour Phone Banking . ØAccount accessible from 176 online branches across Pakistan .

MUHANA

IZAFA ACCOUNT .

ØEarn a higher rate of interest . ØATM card & Debit Card . ØPhone Banking . ØOnline Banking .

FOREIGN CURRENCY ACCOUNT .

EASY SAVER ACCOUNT .

SUPER SAVER ACCOUNT .

BUSINESS ACCOUNT .

ØFree Bill Pay . ØFree Inter Bank Funds Transfer . ØFree Foreign Inward Remittance Certificates . ØFree Payable at Par cheque book / account statements / DDs . ØVISA Debit Card provides access to funds 24 hours a day and can be used on all MNET & 1 - Link ATMs across Pakistan . Ø24 hour Phone Banking . ØAccount accessible from 176 online branches across Pakistan Ø9 am to 5 pm Non stop Banking .

ØInternet Banking . ØVisa Shopping Card Plus Debit Cum ATM card . ØSMS Banking . Ø24 hour Phone Banking.

ØFaster international remittances credited to your account because of our international network . ØVisa Shopping Card provides access to your funds 24 hours a day and can be used at all MNET and 1 - Link ATMs across Pakistan . ØOnline Banking .

Lockers

1 . Maximum protection and security

Strong , heat - resistant steel lockers are lodged in reinforced concrete steel vaults in a locker complex protected against weather conditions , power failures , wired with highly sophisticated anti - burglary alarm systems , smoke - sensor's , backed by fire fighting equipment and 24 hour manned security. 2 . Absolute privacy and comfort   You will be provided complete privacy to operate your locker in a comfortable , centrally air - conditioned hall . Should you require any help , your locker custodian is standing by to offer friendly , personalised assistance . 3 . Convenience of location and timing   Your locker complex is only as far as your nearest branch . This convenience is further matched by our locker timings . Mondays to Saturdays , 9am - 5pm .

4 . Variety of sizes available

Your safe deposit locker is available in various sizes to suit and

Credit Cards

Marhaba - Meet and Greet Service on international travels at the Quaid - e - Azam International Airport Karachi . Access to the CIP Lounge ( International Departures ) at Jinnah International Airport , Karachi . Access to more than 1700 American Express Travel Service Offices in over 130 countries . The exclusive American Express SELECTS experience .

No preset spending limit , you are usually free to spend as much as you please , based on your past payment pattern and personal resources . Express Cash at 168 designated ATMs in Pakistan and over 550 , 000 ATMs worldwide Access to more than 1700 American Express Travel Service Offices in over 130 countries . Marhaba - Meet and Greet Service on international travels at the Quaid - e - Azam International Airport Karachi .

Earn points on Standard Chartered Treasures , as well as on PIA Awards + Plus upon use of your PIA ticket . Combine your Treasure Points with your Awards + Plus points to quickly redeem the item ( s ) of your choice . Gold Card members may check - in at Business Class counters across Pakistan even if they are traveling economy

Withdraw cash up to 30 % of your available credit limit at any VISA / MasterCard ATM across the globe . Access to the CIP Lounge ( International Departures ) at Jinnah International Airport , Karachi . Dial - a - Draft Zero Loss Liability Travel Accident Cover 24 / 365 Phone Banking

Access to the CIP Lounge at Earn a higher Jinnah Internation rate of al Airport , interest ATM card Karachi . & Debit Withdraw cash up to Card 30 % of your Phone available Banking credit Online limit at Banking any VISA / MasterC ard ATM across the globe . Dial - a Draft Zero Loss Liability Travel

f

MARKETING DEPARTMENT

world .The bank market its products in a very efficient manner. Standard charte

ØBillboards. ØBranches. ØTelevision. ØNewspapers. ØSponsorship.

Billboards In Hong Kong

In Thailand

In India

In Singapore

BRANCHES

Television

Brand ambassador

Posters

SPONSORSHIP

Marketing Objectives ØSurvival . ØProfit Maximization . ØSustain Market Share . ØTo be the leading bank

in Pakistan .

Market

share

Corporate Social Responsibility Helping Pakistan for a better future , standard chartered is a long standing believer in giving a portion of its revenues for charitable causes and is making efforts for bringing about a positive social change for the Poor students .

It has been actively involved in providing regular donations to stop aids promotions . It also supports other organization , in making lives of millions of Pakistanis more comfortable .

Human Resource Department

ØHire. ØShortlist. ØRank. ØPayment of the employees.

Employment Criteria ØAt least should be a graduate. ØEmployment record is maintained by HRE.

Working Hours

9:00 - 5:00

Salary Criteria

tarting is 25000 but increases with the post level. Maximum salary goes to 09-10 lacs. erks include provident funds, medical facilities, company cars, international tours e romotion is decided on the basis of performance.

Bonuses ØOutstanding performance.

Retirement Policy Ø10% of salary goes into provident funds and is paid once you are retired. ØRetirement age is 60.

FINANCE DEPARTMENT ØINTERNATIONAL STANDARD ACCOUNTS. ØCOSTING &BUDGETING. ØDEALS WITH GLOBAL MARKET.

e and present the financial statements in conformity with the approved accounting sta

BALANCE SHEET 2007

6, 317,736,000 in 2006 to Rs.255, 545,214,000 in 2007, a favourable review. s. 206, 087, 623,000 to Rs. 212, 478, 904, 000 with net assets showing an increase to Rs.43, 066,310 tant at Rs.38, 715, 850, 000. 1, 113, 606, 000 to Rs. 1, 653, 044, 000.

UN CONSOLIDATEDBALANCE SHEET 2007

resented by : --------

Nashmia Tajik Mariam Sajjad

MEHMOOD

ALI

Rashmin Khan SARA ZAHID SETHI