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

CREDIT CARDS Cash Deposit Machine

ØAMERICAN EXPRESS CREDIT CARD .
ØAMERICAN EXPRESS CHARGE CARD .
ØPIA CO - BRAND CREDIT CARD .
ØCRICKET CREDIT CARD .
ØEASY CREDIT CARD .
ØMASTER CARD .
ØSADIQ VISA CREDIT CARD .
ØVISA CREDIT 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 .
FOREIGN CURRENCY ACCOUNT .
ØFree Bill Pay .
ØFree Inter Bank Funds Transfer .
ØFree Foreign Inward Remittance
Certificates .
ØFree Payable at Par cheque book / account
statements / DDs .
SUPER SAVER ACCOUNT .
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 .
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 .
EASY SAVER ACCOUNT .
ØInternet Banking .
ØVisa Shopping Card Plus Debit Cum ATM
card .
ØSMS Banking .
Ø24 hour Phone Banking.
BUSINESS ACCOUNT .
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
No preset spending Earn points on Withdraw cash Access to
limit , you are Standard
and Greet usually free to up to 30 % of the CIP
Service on spend as much as
Chartered your available Lounge at Earn a
international Treasures , as credit limit Jinnah higher
you please , based
travels at the on your past well as on PIA at any Internation rate of
Quaid - e - Azam payment pattern and Awards + Plus VISA / MasterCard al Airport , interest
International ATM across the Karachi . ATM card
Airport Karachi .
personal resources . upon use of your
Access to the
Express Cash at 168 PIA ticket . globe . Withdraw & Debit
designated ATMs in Combine your Access to the cash up to Card
CIP Lounge Pakistan and over
( International Treasure Points CIP Lounge 30 % of your Phone
550 , 000 ATMs ( International available
Departures ) at worldwide with your Awards Banking
Jinnah Departures ) at credit Online
Access to more than + Plus points to Jinnah limit at
International Banking
Airport , Karachi .
1700 American quickly redeem International any
Express Travel the item ( s ) of
Access to more Service Offices in Airport , VISA / MasterC
than 1700 over 130 countries .
your choice . Karachi . ard ATM
American Express Marhaba - Meet and Gold Card members Dial - a - Draft across the
Travel Service Greet Service on may check - in at Zero Loss globe .
Offices in over international Business Class Liability Dial - a -
130 countries . Travel Draft
The exclusive
travels at the counters across
Quaid - e - Azam Pakistan even if Accident Cover Zero Loss
American Express International
SELECTS they are 24 / 365 Phone Liability
Airport Karachi . Banking Travel
experience . traveling economy
 MARKETING DEPARTMENT
f world .The bank market its products in a very efficient manner. Standard charte

ØBillboards.
ØBranches.
ØTelevision.
ØNewspapers.
ØSponsorship.
 Billboards
In Hong Kong In India

In Thailand 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