FINAL RESEARCH PROJECT

ON

DETAILED STUDY AND

COMPARATIVE ANALYSIS
OF RETAIL BUSINESS
OF MAJOR PLAYERS IN THE BANKING SECTOR

For the partial fulfillment

of the degree of
Master of Business Administration
Of
Punjab Technical University, Jalandhar
Session: 2005-2007

Under the Guidance of: Submitted By:

Ms. Kavita Himani Prashar
Lecturer MBA- 4th semester
Department of Business Administration 559221759

RIMT- Institute of Engineering & Technology,

Mandi Gobindgarh
 “CERTIFICATE”

This is to certify that Ms. Himani Prashar has done the Major research Project entitled

‘Detailed Study and Comparative analysis of Retail Business Of Major Players in

The Banking Sector’ under my supervision for the fulfillment of the degree of Master of

Business Administration. The work done by her is a sole effort and has not been

submitted as or its part for any other degree.

Ms. Kavita Uppal

Lecturer
Department of Business Administration
RIMT-Institute of Engg. & Technology,
Mandi Gobindgarh.

COUNTERSIGNED

Dr. Harpreet Singh

Asst. Professor-cum-Head
Department Of Business Administration
RIMT- Institute of Engg. & Technology,
Mandi Gobindgarh.
 ACKNOWLEDGEMENT

“World acknowledges those who acknowledge the World”

One rarely gets the opportunity to thank people who have really helped one in the

development of one’s work, helped one to grow in a newly emerging field and motivated

one towards the different dimensions of the same.

With limitless humility I would like to thank ‘GOD’ the Almighty, the Merciful, the

Compassionate, who bestowed me with health and courage enough to complete the task

I feel highly privileged to express my sincerest gratitude to my guide Ms. Kavita,

Department of Business Administration, RIMT- Institute oh Engg. &Technology, Mandi

Gobindgarh, for her able guidance and help in preparing this project. Her never failing

patience and much needed cooperation proved to be an able to me in accomplishing my

task. Without her constant encouragement, generosity and valuable comments this study

would not have reached to present form.

I would require more and more acknowledgement to express the diverse ways in which I

am indebted to my parents who always stood by me during my times of test and trials.

Their heart felt blessings; motivation, love and sacrifices cannot be reciprocated in

tangible and intangible means, wisdom or emotions.

(HIMANI PRASHAR)
 CONTENTS

1. Certificate

2. Acknowledgement

3. List of Abbreviations

4. Chapter 1- Industry Profile

 An introduction about the Bank

 Banking in India
 Some frequently used Banking Terms
 Consumer Banking
 Wealth Management
 Global Markets

5. Chapter 2- Review of Literature

6. Chapter 3- Research Methodology

 Objective of study.

7. Chapter 4- Overview of SCB Global

 An Overview
 Brief History Of SCB

• The Early Years

• Expansion in Africa and Asia
• Standard Chartered in Early 1990’s
• Standard Chartered Today
• Standard Chartered In India
• Branches of Standard Chartered In India
• Establishment of SCB around the world
• Strategic Alliance and Acquisition in 2005
• SCB PLC

8. Chapter 5- SCB Profile

 Introduction
 Board Of Directors
  Vision of SCB
 Values of Bank
 Business of the Bank

9. Chapter 6- Product Classification Of SCB

 Saving Accounts
• Axcess Plus
• Super Value
• Saral – No Frill Account
• Parivaar Account
• AaSaan Account

 Comparison of Saving Accounts

 Current Accounts
• Business Plus Account
• Enhanced Business Plus Account

 Insurance
• ULIP of Bajaj Allianz
• ULIP of HDFC STANDARD LIFE

 Comparison of Bajaj Allianz and HDFC ULIP Plan

10. Chapter 7- Overall Comparison of Major Players in Banking Sector.

11. Chapter 8- SWOT Analysis

12. Chapter 9- Conclusion

13. Bibliography

14. Annexure
 LIST OF ABBREVATIONS

1. SCB- STANDARD CHARTERED BANK

2. RBI- RESERVE BANK OF INDIA

3. DD- DEMAND DRAFT

4. ROI- RATE OF INTEREST

5. BOE- BILL OF EXCHANGE

6. SBI- STATE BANK OF INDIA

7. E-TRADING- ELECTRONIC TRADING

8. LOC- LETTER OF CREDIT.

 CHAPTER-1

INDUSTRY PROFILE
 CHAPTER-1

AN INTRODUCTION ABOUT THE BANK

A Bank is a business that provides banking services for profit. Traditional banking

services include reciving deposits of money, lending money and processing transactions.

Some banks (called bank of issue) issue banknotes as legal tender./ many banks offers

ancillary financial services to make additional profit; for example: selling insurance

products, investment products or stock broking.

Currently in most jurisdictions the business of banking is regulated and banks require

permission to trade. Authorization to trade is granted by bank regulatory authorities and

provides rights to conduct the most fundamental banking services such as accepting

deposits and making loans. There are also financial institutions that provide banking

services without meeting the legal definition of a bank.

Banks have long history, and have influenced economies and politics for centuries.

Traditionally, a bank generates profits from transactions fees on financial services and

from the interest it charges for leading. In recent history, with historically low rates

limiting banks ability to earn money by lending deposited funds, much of the banks’

income is provided by overdraft fees and riskier investments.

 BANKING IN INDIA

Banking in India originated in the first decade of 18th century with the General Bank of

India coming into existence in 1786. this was followed by Bank of Hindustan. Both these

banks are now defunct. The oldest bank in existence in India is the State Bank of India

being established as “The Bank of Bengal” in Calcutta in June 1806. A couple of decades

later, foreign banks like credit lyonnais started their Calcutta operations in the 1850’s. at

that point of time, Calcutta was the most active trading port, mainly due to the trade of

the British Empire, and due to which banking activity took roots there and prospered. The

first fully Indian owned bank was the Allahabad Bank, which was established in 1865.

By the 1900s, the market expanded with the establishment of banks such as Punjab

National Bank in 1895 in Lahore and Bank of India, in 1906, in Mumbai- both of which

were founded under private ownership. The Reserve Bank of India formally took on the

responsibility of regulating the Indian Banking Sector from 1935. After India’s

Independent in 1947, the RBI was nationalized and given broader powers.

In nutshell banking regulations act, 1947, defines a banking company as one, which

transacts the business of the banking in India. The business of banking in turn means

accepting, for the purpose of lending or investment of money from the public repayable

on demand or otherwise. These deposits can have distinct features of being withdrawal by

cheques, drafts, order or otherwise, which no other financial; institution can offer.
In addition to this also offers various other financial services which includes:

 Issue DD & Travelers Cheques.

 Collection of cheques & Bill of Exchange

 Issuing Letter of Credit & letter of gurantee.

 Sale and Purchase of Foreign Exchange.

 Custodial Services

 Investment Services.

These essential features of Banking are:

 Receipt of money and collection of cheques

 Payments of customers cheque/ orders

 Maintaining running accounts for customers

“The Banker- Customer relationship is established when either an account is

opened or there is evidence that the bank is contractually bound to provide services

normally provided by the bank.”

 SOME FREQUENTLY USED BANKING TERMS

 AUTOMATED TELLER MACHINE (ATM) – A machine that allows the

customer to perform some of the more common teller transactions, such as cash

withdrawals, deposits, and transfers. ATM’s are generally accessible 24 hours a

day, 7 days a week.

 CHECK CARD (DEBIT CARD) – A plastic card with the Visa or Master Card

logo, designed to give a customer access to funds in his/her checking account to

obtain cash, purchase goods and services, transfer funds from one account to

another. The cards are accepted around the world wherever you see the Visa or

Master Card Logo.

 COMPOUND INTEREST- Interest that accrues when earnings for a specific

period are added to principal; thus interest for the following period is computed

on the principal plus accumulated interest.

 CREDIT CARDS- A plastic card that can be used by the holder to make

purchases or obtain cash advances using a line of credit made available by the

card- issuing financial institutions.

 GRACE PERIOD- A time period within which a depositor can withdraw funds

from a certificate without penalty.

 ONLINE BANKING &BILL PAY- Personal and business account information

accessible through a personal computer, the Internet or Screen Phone. The Bill

Pay services, available via these same devices or a touch-tone phone, utilize the

ATM network to electronically pay any bill. Paper checks are issued when ACH

payment are not available.

 OVERDRAFT PROTECTION- A services that allows the customer to write

cheques for an amount over and above the amount in their checking account.

Funds are transferred from their line of credit or other designated account to their

checking accounts as needed.

 SIGNATURE CARD- A contractual form, executed by an account holder,

establishing account6 ownership and setting forth some of the basic terms of the

account and provisions of the deposit contract.

CONSUMER BANKING
Standard Chartered Bank offers a wide range of personal banking products and services

including credit cards, mortgages, and auto loans, personal loans, wealth management

products and business finance solutions for Small and Medium Enterprises, through

network of 81 branches in 31 cities across the country.

The ambition of Consumer Banking is:

 Outsell

 Out serve

 Out underwrite

 Leading market in fitness-for-growth

 Leading markets in productivity growth

 Leading markets in marketing, service impact, and innovation with increased

customer satisfaction and loyalty.

Standard Chartered Consumer Banking is “First” in:

 First in Asia to implement Visa Cash, multi-purpose stored value caed.

 First to offer TV Banking in Korea.

 First in India to launch Mileage- an overdraft facility against used cars.

 First fully automated branch in Hong Kong

 First to introduce photo card in India, and first to launch the picture card in
Singapore, India, Thailand, and Malaysia.

 Also the only bank in Singapore to allow any picture to be placed on Visa Card.

 First to issue Visa Platinum Card in Malaysia.

Consumer Banking is organized across Product Value Centers with aligned support

functions (HR, Technology & Operations, Credits, Legal & Finance etc.)

Product Value Centers:

 Wealth Management

 SME Banking

 Credit Cards & Personal Loans.

 Mortgages & Auto

 Consumer Finance.

Shared distribution is the sixth value center. It serves and distributes products from the

other five value centers.

 WEALTH MANAGEMENT

Wealth Management offers a complete and comprehensive range of products to fulfill a

gamut of customer investment and financial needs. These include domestic and NRI

transactions accounts, distribution of capital market and insurance products and finance

against shares.

GLOBAL MARKETS

SCB provides a complete 24 hours coverage of the world’s foreign exchange markets. It

provides a broad range of products like Exotic currencies, derivations, debt capital

markets, Currency Options and E- trading. Standard Chartered was the first bank in India

to introduce its on-line Treasury, dealing system that enable real time transactions.
 CHAPTER-2

REVIEW OF LITERATURE
 CHAPTER-2

REVIEW OF LITERATURE

EXECUTIVE SUMMARY

The project entitled “ DETAILED STUDY AND COMPARATIVE ANALYSIS OF

THE RETAILED BUSINEES OF MAJOR PLAYERS IN THE BANKING SECTORS “

includes details about the Standard Chartered Bank

Standard Chartered is the world’s leading emerging markets bank. It employs 29000

people in over 500 offices in more than 50 countries in the Asia Pacific Region, South

Asia, UK, the middle East, Africa & the Americans.

The bank serves both consumes and wholesale banking customers.

The Consumer Bank provides Credit cards, personal loans, mortgages, deposit taking

activity & wealth management services to individual & medium sized business.

The wholesale banking provides services to multinationals, regional and domestic

corporate and institutional clients in trade finance, cash management, custody, lending,

foreign exchange, interest rate management and debt capital; markets.

With 150 years in the emerging markets the bank has unmatched knowledge and

understanding of its customers in its markets.

SCB is the world’s leading emerging markets bank with headquarter at London. Its

business however, have always being overwhelming internationally, this is the summary

of the main events in the history of SCB & some of the organization with which it merge.

The SCB opened its first over sea’s branch in India, at Kolkata, on 12 April 1858. 8 years

later kolkata agent described the Bank’s credit locally as splendid and its business as

flourishing, particularly the substantial turn over in rice mills, with the leading Arab

firms. Today the banks branches and sub branches in India are directed and administered

from Mumbai. With Kolkata remaining an important trading and banking center.

The various products of SCB are savings accounts, current accounts etc. with futhur

classifications accordingly the AQB to be maintained. Recently the bank has launched to

new savings account namely aaSaan Account, aXcess Account.

Standard Chartered in collaboration with Bajaj Allianz offers the Bajaj Allianz Capital

Unit Gain Plan which offers very high returns. Regarding this a comparison of Bajaj

Allianz is done with HDFC STANDARD LIFE.

 CHAPTER-3

RESEARCH METHODOLOGY
 CHAPTER-3

RESEARCH METHODOLOGY

Data collection

Data is mainly collected from two sources primary and secondary.

Sources: Primary and Secondary Explained

All data sources are not created equal. Some reference material has more value than
others do. This does not mean that value equals a greater quantity of information. The
actual value involves the quality of the information provided. Sources of data can be put
into the two general categories of being either primary or secondary.

PRIMARY data is data that you collect yourself using such methods as:

• Direct observation - lets you focus on details of importance to you; lets you see a
system in real rather than theoretical use (other faults are unlikely or trivial in
theory but quite real and annoying in practice);
• Surveys - written surveys let you collect considerable quantities of detailed data.
You have to either trust the honesty of the people surveyed or build in self-
verifying questions (e.g. questions 9 and 24 ask basically the same thing but using
different words - different answers may indicate the surveyed person is being
inconsistent, dishonest or inattentive).
• Interviews - slow, expensive, and they take people away from their regular jobs,
but they allow in-depth questioning and follow-up questions. They also show non-
verbal communication such as face-pulling, fidgeting, shrugging, hand gestures,
sarcastic expressions that add further meaning to spoken words. e.g. "I think it's a
GREAT system" could mean vastly different things depending on whether the
person was sneering at the time! A problem with interviews is that people might
 say what they think the interviewer wants to hear; they might avoid being
honestly critical in case their jobs or reputation might suffer.
• Logs (e.g. fault logs, error logs, complaint logs, transaction logs). Good,
empirical, objective data sources (usually, if they are used well). Can yield lots of
valuable data about system performance over time under different conditions.

Primary data can be relied on because you know where it came from and what was done
to it. It's like cooking something yourself. You know what went into it. A primary data
source is something that originates from first-hand knowledge of the person referenced in
the data or from a first-hand witness. In my report I collected it through personal
interview.

SECONDARY data is collected from external sources such as:

• TV, radio, internet

• magazines, newspapers
• reviews
• research articles
• stories told by people you know

A secondary data source means that the information is simply second-hand. If you
write your own life history, the data you include would be considered primary. If you
write about incidents in the lives of extended family (which you did not witness) the
data is secondary.

There's a lot more secondary data than primary data, and secondary data is a whole lot
cheaper and easier to acquire than primary data. The problem is that often the reliability,
accuracy and integrity of the data is uncertain.

In short, primary data is expensive and difficult to acquire, but it's trustworthy. Secondary
data is cheap and easy to collect, but must be treated with caution.
Data analysis

The research worker bases mostly the study on observation method. The worker
indulges in interviewers with concerned personnel’s also. The information and data so
collected has been presented in a report form to achieve the desired outcomes of the
objectives of the study. In this way a meaningful conclusion has been drawn.
OBJECTIVES OF THE STUDY

1. To study various products & services offered by the

bank.

2. Comparison of various savings accounts of Standard

Chartered Bank.

3. To compare the ULIP’s of Bajaj Alliance with HDFC

Standard Life

4. To study SCB’s Competition with other banks.

 CHAPTER-4

OVERVIEW OF SCB GLOBAL

 CHAPTER –4

OVERVIEW

Standard Chartered is the world’s leading emerging markets bank. It employees 29,000

people in over 500 offices more than 50 countries in the Asia Pacific Region, South Asia,

the Middle East, Africa, United Kingdom and Americans.

The Bank serves both Consumers and Wholesale Banking Customers.

The Consumer Bank Provides services to Multinationals, regional, and domestic

corporate and institutional clients in trade finance, cash management, custody, lending,

foreign exchange, interest rate management and debt capital markets.

With 150 years in the emerging markets the bank has unmatched knowledge and

understanding of its customers in its markets.

Standard Chartered recognizes its responsibilities to its staff and to the communities in

which it operates.

The bank is trusted across its standard of governance and its commitment to making a

difference in the communities in which it operates.

 HISTORY

A brief history of Standard Chartered

Standard Chartered is the world’s leading emerging markets bank headquartered in

London. Its businesses however, have always been overwhelming internationally. This is

the summary of the main events in the history of standard chartered and some of the

organizations with which it merged.

In this following topics are taken into consideration:

 The Early Years

 Expansion in Africa and Asia

 The Post war years

 Standard Chartered in the 1990’s

 Standard Chartered Today.

The Standard Chartered Group was formed in 1969 through a merger of two banks: THE

STANDARD BANK OF BRITISH SOUTH AFRICA founded in 1863, and THE

CHARTERED BANK OF INDIA, AUSTRIALIA AND CHINA, FOUNDED IN 1853.

Both companies were keen to capitalize on huge expansipon of trade and to earnthe

handsome profits to be made from financing the movements of goods from Europe to the

East & to Africa.

THE CHARTERED BANK

 Founded by James Wilson following the geant of a Royal Charter by Queen

Victoira in 1853

 Chartered opened its 1st branches in Mumbai, Kolkatta and Shanghai in 1853,

followed by hong kong and Singapore in 1859

 Traditional business was in cotton from Mumbai, Indigo and tea from Calcutta,

rice from Burma, suger from java etc.

 Played a major role in the development of trade wiyh the East which follows the

opening of Suez Canal in 1869, and the extention of the telegraph to china in 1871

THE STANDARD BANK

 Founded in the cape Province of South Africa in 1862 by John Paterson.

Commenced business in Port Elizabeth, South Africa, in Jan 1863

  Expanded in Southern, Central and Eastern Africa and by 1953 had 600 offices.

In 1969, the decision was made by Chartered and by Standard to undergo friendly

merger. All was going well until 1986, when a hostile takeover bid was made for the

group by LLOYDS bank of UK. When the bid was defeated, Standard Chartered entered

a period of change. Provisions has to made against third world debt exposure and loans to

corporations and entrepreneurs who could not meet their commitments, Standard

Chartered began a series of divestment notably in the United States and South Africa, and

also entered into a number of asset sales.

From early 90s, Standard Chartered has focused on developing its strong franchises in

Asia, The Middle East and Africa using its operations in the United Kingdom and North

America to provide customer, with a bridge between these markets. Secondly, it would

focus on customer, corporate and institutional banking, and on the particular strength and

expertise.

STANDARD CHARTERED- leading the way in Asia, Africa & the Middle
East.

Standard Chartered PLC is listed on both the London Stock Exchange and the Hong

Kong Stock exchange and is consistently ranked in the top 25 among FTSE-100

companies by market capitalization.

Standard Chartered has a history of over 150 years in banking and operates in many of

the world’s fastest- growing markets with an extensive global network of over 1400
branches in over 50 countries in the Asia Pacific Region, South Asia, The Middle East,

Africa, The UK and the Americas.

With strong organic growth supported by strategic alliances and acquisitions and driven

by its strengths in the balance and diversity of the business, products and people.

Standard Chartered is well positioned in the emerging trade corridors of Asia, Africa and

the Middle East.

Trusted across its network for its standard governance and corporate responsibility,

Standard Chartered takes a long Term view of the consequences of its action to ensure

that the bank builds a sustainable business through social; inclusion, environmental

protection and good governance.

Standard Chartered is also committed to all its stakeholders by living its values in its

approach towards managing its people, exceeding expectations of its customers, making a

difference in communities and working with regulators.

STANDARD CHARTERED IN 1990’s

Even within this period of apparent Standard Chartered expended its network, reopening

in Vietnam in `1990, Cambodia and Iran In 1992, Tanzania in 1993 and Myanmar in

1995, Standard Chartered now has an office in every country in the Asia Pacific Region

with the exception of North Korea.

In 1999, Standard Chartered acquire trade finance business of Union Bank of

Switzerland. This acquisition makes Standard Chartered one of the leading clearers of
dollar payment in USA. Standard Chartered Nigeria Limited in Lagos acquired 75% of

the equity of Nakornathon Bank, Thailand and agreed term to acquire 89% of the share

capital of Metropolitan of the Lebanon.

STANDARD CHARTERED TODAY

Today Standard Chartered is the world’s leading emerging markets bank employing more

than 30,000 people in over 500 offices in more than 50 countries primarily in the Asia

Pacific Region, South Asia, The Middle East, Africa, The UK and the Americas.

In the onset of new millennium, Standard Chartered brought with it two of the largest

acquisition in the history of the bank. SCB purchased Grindlays Bank from ANZ Group

for $1.32 billion. Previously, when with ANZ Group, it was known as ANZ Grindlays

Bank where ANZ is Australia and New Zealand.

These acquisitions demonstrated Standard Chartered firm committed to the emerging

market, where we have a strong and establish presence and where we see our future

growth.

STANDARD CHARTERED IN INDIA

The Chartered Bank opened its first branch in India, at Kolkata, on 12 April 1858. eight

years later the kolkata agent described the bank credit locally as splendid and its business

as flourishing, particularly the substantial turnover in rice bills with the leading Arab

firms. When SCB first established itself in India, Kolkata was the most important

commercial city, today the bank branches and sub branches in India are directed and
Administrated from Mumbai.

BRANCHES of STANDARD CHARTERED IN INDIA

 Ahmedabad

 Amritsar

 Banglalore

 Chennai

 Coimbatore

 Delhi

 Ernakulam

 Gurgaon

 Guwahati

 Hydrabad

 Kanpur

 Kolkata

 Mumbai

 Noida

 Pune

 Chandigarh

 Ludiana etc.
STRATEGIC ALLIANCES AND ACQUISITION IN 2005

2005 Ushered in a historic year for SCB as it achieved several milestones with the

number of strategic alliances and acquisitions that will extended their customers and

geographic reach and broaden their product range.

 SCB completed, rebranded and successfully integrated SC first Bank in Korea,

which to date is the biggest acquisition in our history.

 SCB acquired stakes in ACB Vietnam and Travelex

 SCB acquired the business operations of American Express Bank in Bangladesh

CHAPTER-5

SCB PROFILE
VISION OF THE BANK

 The world’s leading emerging markets bank

 Consumer banking is the Engine for growth

 Consistently superior performance

 Committed to Excellence

A great place to work…………………..for top professionals.

VALUES OF THE BANK

COURAGEOUS: We encourage our people to take measured risks to deliver improved

results for all our shareholders. Where this results in mistakes, we seek to learn from our

experience, to build better long-term solutions.

RESPONSIVE: We believes in putting customers at the heart of our business. We spend

time listening to our customers to understood who they are and how they operate to

anticipate their needs.

INTERNATIONAL: We are a truly International Bank, and thrive on the delivery of our

people and the richness of perspective their culture and experience brings

CREATIVE: We know that employees can always see a better way of doing things and
encourages them to contribute their ideas.

TRUSTWORTHY: It is our people who set us above organization through a unique

ability to build trusted relationship with all stakeholders.

CHAPTER-6

PRODUCT CLASSIFICATION OF SCB

STANDARD CHARTERED BANK deals in multiple products and services and some of

them are listed below:

 ACCOUNTS

• Savings Accounts

• Current Account

 INSURANCE

• Bajaj Allianz Capital Unit Gain Plan (ULIP)

 SAVING ACCOUNTS

 AXcess Plus

SCB ‘s aXcess Plus is a revolutionary saving account that provides you with

unparalleled aXcess to your miney.

Get instant cash at over 13,000 ATM’s across India and over 8,10,000

ATMs across the world through the Visa network. And get a globally valid

Debit Card that lets you shop at over 55,000 outlets in India and over 12

million outlets across the world.

• Unique features

 Free aXcess to cash anytime, anywhere, across India

 Globally valid debit card

 The debit card can be used to make purchases at over 25,000 merchant
outlets in India and at over 10 million outlets
 Phone banking, internet banking, Multi-city banking, 365 days branches,
extended banking hours, lockers facility, doorstep banking.

 Add-on-card for your loved one available with the joint account facility

 Choice of photo, non-photo and picture cards

 SUPER VALUE

The unique Super Value saving account is proof that the best things in life come free.

With an average quarterly balance of just Rs. 50,000, you get host of services from

Standard Chartered absolutely free.

• Unique features

 Free globally valid Debit-cum-ATM card

 Free access to 6500 ATMs in India

 Free doorstep banking

 Free payable at par cheque book/ account statement/ DDs

 Free bill pay

 Free inter bank funds transfer

 Free Foreign Inward Remittance Certificates

• Other benefits
 Globally valid debit card- make purchases at over 12 million merchant

outlets and withdraw cash at 8,10,000 ATMs worldwide using funds from

your account

 Multi-city banking- access your account even when you are out of town

 Enjoy extended banking hours at all our branches, and speed cheque

clearing and Metro clearing facilities

 24 hours branches, 365 days branches available

 Phone banking- available to you 365 days in a year on 24 hours basis in

the metros and everyday of the week at other centers

 Internet banking- access ant transact on your accounts through the internet

from any part of the world

 Free investment advisory services to assist you in investing In a range of

mutual funds

 Full suite of complimentary banking services including credit cards, loans

products and capital market services.

 SARAL- NO FRILL ACCOUNT

Saral- No frill Account, a New account to meet your basic banking

requirements.

You can now open an account with SCB with an average quarterly balance

as low as Rs. 250.

What’s more- you can avail of anywhere bankink, by which you can access

your account from any branch of SCB in India.

• Unique Features:

 Quarterly average balance, as low as Rs. 250.

 ATM card &debit card available.

 4 free transactions per month at any SCB channel

 Anywhere banking- access your account from any branches of SCB

  Access to phone banking and internet banking

 Free cheque deposit at any SCB Branch or ATM.

• Eligibility Criteria

 This account is available to individual resident Indian

customers

 Account may be opened after being properly introduces in a

manner

approved by the bank.

 PARIVAAR ACCOUNT

 Parivaar is a unique Wealth Management Solution from SCB that offers

your family flexibility, convenience and essential tools for wealth

accumulation and preservation.

 Parivaar is much more than a regular Saving Accounts. It allows you

maintain your individual identity while allowing you to tap your family’s

financial strength.

 It also offers attractive insurance options to protect against unforeseen

events and the facility of Systematic Investment Plan (SIP), a unique long

term wealth building tool.

• Unique features:

 Your family can maintain individual saving accounts with the

benefits of

clubbing balances in grouped accounts.

 Anytime, anywhere access to accounts through ATMs, phone

banking and

Internet banking

 Globally valid ATM-cum-Debit card can be used at 55,000

merchant

outlets in India and 12 million outlets worldwide.

CURRENT ACCOUNTS

 BUSINESS PLUS ACCOUNT

 An account that affirms to every need of a business person.

 SC brings you a value packed current accounts offering you

convenience

and value.

 A tailor made product to take care of your business needs as it

equips you

with a range of convenience unheard of in a current account

• Unique Features:

 Muti-city cheque book to serve valuable time and money

 Avail of free drafts and pay orders

  Express Cheque Collection &National Clearing Speed Service.

 Flexible banking hours for your convenience.

 Cheque pick-up of DD/PO delivery to arrive as per you room service

timings.

 Choose to avail of the enhanced rooms services timings according to a

fixed schedule, daily or weekly.

 Avail of special rates on advances and depository services.

 Get your consolidated account statement for free every service.

 Maintain and operate your account in any branches for free.

 Express cheque collection &national clearing speed services.

INSURANCE

Every asset has a value and the business of general insurance is related to the protection

of economic value of assets. Asserts would have been created through the efforts of

owner, which can be in the form of building, vehicles, machinery and other tangible

properties. Since tangible property has a physical shape, it is subject to many risks

ranging from fire, allied perils to theft and robbery.

Concepts of insurance have been extended beyond the coverage of tangible asset. Now

the risk of losses due to sudden changes in currency exchange rates, political disturbance,

negligence and liability for the damages can also be covered.

But if a person judiciously invests in insurance for his property prior to any unexpected

contingency then he will be suitably compensated his loss as soon as the extent of

damage is ascertained.

Few of the GENERAL INSURANCE POLICIES are:

 PROPERTY INSURANCE: The home is most valued possession. The policy is

designed to cover the various risks under a single policy. It provides protection

for property and interest of the insured and family.

 HEALTH INSURANCE: It provides cover, which takes care of medical

expenses following hospitalization from sudden illness or accident.

 PERSONAL ACCIDENT INSURANCE: This insurance policy provides

compensation for loss of life or injury caused by an accident. This includes

reimbursement of cost of treatment and the use of hospital facilities for the

treatment.

 LIABILITY INSURANCE: The policy indemnifies the Directors against loss

arising from claims made against them by reason of any wrongful act in their

official capacity.

 TRAVEL INSURANCE: The policy covers the insured against various

eventualities while traveling abroad. It covers the insured against personal

 accident expenses, loss of checked baggage, passport etc.

LIFE INSURANCE

Your family counts you every day for financial support: food, shelter, transportation,

education and much more. Insurance provides you with that unique sense of security that

no other form of investment provides you with that unique sense of security that no other

form of investment provides. It gives you a sense of financial support especially during

that time crisis irrespective of the fluctuations in the stock market. Insurance provides for

your career goals right from your childhood years.

Life insurance is all about making sure your family has adequate financial resources to

make those plans and dreams come true. It provides financial protection to help your

family or business to manage after your death.

Few of the LIFE INSURANCE policies are:

 WHOLE LIFE POLICIES: Covers the insured for life. The insured does not

receive money while he is alive; the nominee receives the sum assured plus

bonus upon death of the insured.

 ENDOWMENT POLICIES: Covers the insured for a specific period. The

insured

receives money on survival of the term and is not covered thereafter.

 MOPNEY BACK POLICY: The nominee receives money immediately on

death

of the insured. On survival the insured receives money at regular intervals during

the term. These policies cost more than endowment with profit policies.

 CHILDREN POLICIES: The nominee receives a guaranteed amount of money

At pre-determined time and not immediately on death of the insured. On survival

the insured receives money at the same pre-determined time. These policies are

best suited for planning children future education and marriage cost.

 PENSION SCHEMES- Are policies that would benefited to the insured only

upon retirement. If the insured dies during the term of the policy, his nominee

would receive the benefits either as a lump sum or as a pension every month.
 Since a single policy cannot meet all the insurance objectives, one should have a

portfolio of policies covering all the needs.

Life insurance is one of the most popular savings/investment vehicles in India. Ironically

it’s probably the least understood too. An insurance policy offers much more than just tax

planning and investment returns. It offers you the ability to plan for unforeseen events

that could affect your family’s financial problem adversely.

Step 1: Evaluate your life insurance needs,

Step 2: Understand the key concepts

Step3: Selecting a life insurance policy

STEP 1: EVALUATE YOUR LIFE INSURANCE NEEDS

Life Insurance is one of the most popular savings/investments vehicles in India.

Ironically, its probably the least understood too.

An insurance policy offers much more than just tax planning and investment returns. It

offers you the ability to plan for unforeseen events that could affect your family’s

financial profile adversely.

FACTORS TO CONSIDER

Your financial profile and needs are different from that of yours neighbor. And the same

is true for your insurance needs.

However, irrespective of the differences, the number of dependents you have and their

financial needs are the most important factors to consider.

Issue to consider while evaluating the above factors includes:

• the wealth, income and expense level of your dependents,

• their significant foreseeable expenses
• the inheritance you would leave them
• the life style you want to provide them

How much insurance do you need?

Obviously, the time-tested approach used by insurance and financial planners is the

capital needs analysis method. Our are you adequately insured planning tool, based on

this approach, will help you arrive at how much insurance you need.

When should you re-evaluate?

Whenever any of the factor discusses above changes.

STEP 2: understand the key concepts underline life insurance.

Risk cover vs investment return

Insurance options range from policies with low primium that can offer you almost no

returns to those with high premium that effectively offers post tax return of around 8% to

9.5% p.a

These returns are at the lower end of fixed income return available today and hence are

relatively are unattractive.

We recommend you by an insurance policy skewed towards investment returns only if

you are in the high tax bracket, prefer to invest in no risk, fixed income option and have

exhausted al the other such as investment option available.

Whole life vs. limited period

As you grow older , you may not have as many dependents or your wealth may reach a

level will it can support your dependents financial needs in the event of your death.

These possibility brings us to the interesting questions on whether you should insure

yourself for whole life or for a limited time.

We recommend you insure for whole life only if you never expect your wealth to reach a

level where it can support the financial need of your dependents.

Tax planning
The primium paid for an LIC policy also qualifies for tax rebate under section 88 of

income tax act.the maximum primium amount tat can qualify for rebate is Rs 60,000 p.a

and you get a rebate equivalent to 20% of the primium paid, from your tax liability for

the year.

STEP 3: step in selecting a life insurance policy

Understand how much insurance you need

This is the single most important factor to evaluate before you select a life insurance

policy for this you must consider the current expense profile of your dependent and the

current wealth level of your family. Also , consider what your dependents risk tolerance

level is. Our are you adequately insured planning tool can take you step by step in

addressing this issue.

Selecting your premium paying term (PPT)

How long do you want to your insurance premium for? Key factor this decision could

depend upon are-

1 how many years we see yourself earning a regular income

2 the level of your regular savings

3 the amount you can commit to paying regularly as insurance premium

4 for how long you want to be insured.

UNIT LINKED INSURANCE PLAN (ULIP)

 Suitability

ULIP is a unique investment scheme for the unit trust of India, offering insurance

cover along with tax benefits and high returns.

 Salient features

• the plan can be taken either as a 10 year plan or 15 year plan.

• uniform annual or semi annual installments are payable over the period of

the plant to secure an aggregate amount called target amount

 • this amount is use to pay a small premium to the life insurance
corporation

and the rest is invested in units which earn an income and is reinvested every

year.

• the extent of life insurance is equal to the target amount secured under the

plan.

• tax rebate under section 88

• an accident cover up to Rs 30,000 is available.

 Benefits

• On survival

1. at the end of the plan period, Maturity bonus along with cash equivalent to

units standing to his or her credit is payable

2. maturity bonus for a 10 year plan is 5% pf target amount.

 On death

If death occurs before the completion of the plan period, the legal heirs receive

1. Cash unit of units to his or her credit.

2. Amount of insurance cover.

If death occurs due to accident the amount of accident insurance cover is payable. The

accident cover is up to a maximum of Rs 30,000 respect of target amount.

 Other conditions

1. Minimum target amount is Rs 6,000

2. Maximum target amount Rs 75,000

3. Ten year plan: 12 years

4. 15 year plan: 12 years

5. Maximum age at entry

10 year plan: 55 years and 6 months

15 year plan: 50 years and 6 months.

6. minimum premium must be Rs 800 p.a

7. if anything unfortunate happens during the first six months the amount of

insurance is limited only to premium paid to LIC

8. the amount of insurance if anything happens during the six months after

9. the first six months, 50% of the target amount is paid

10. life insurance cover for children is available only if they have regular

income independently.

11. in case of minors applications should be made by parents.

12. the tax rebate for contribution can be availed for membership of spouse or

children also.

13. value of investments in units is fully exempt for the wealth tax.
 BAJAJ ALLIANCE CAPITAL UNIT GAIN PLAN

CAPITAL UNIT GAIN is a unit linked endowment regular premium plan with the

benefit of life protection. By choosing an appropriate premium level and term, you can

match the maturity date of the plan to a specific savings need such as your child’s

education, wedding, your retirement, etc. it has unmatched flexibility to meet any

emergency or any financial needs.

The key features of the CAPITAL UNIT GAIN PLAN ARE:

 You can choose any sum assured between minimum and maximum limits to

match your insurance needs.

  You can accumulate your investment with easy regular contributions to pay your

policy.

 You can increase your saving by top up premiums.

 You get the same premium allocation for all policy years.

 You can adopt your own investment strategy to grow the funds under your policy.

 Choice of 5 investment funds with flexible investment management, you can

change funds anytime & also invest in the newer funds that would be introduced time

to time.

 You can make partial withdrawals without ant surrender charges.

Working of BAJAJ ALLIANCE CAPITAL UNIT GAIN PLAN

Premiums made are allocated, net of premium allocation charges, to the unit account

created under your policy. The regular premium paid in the first year will be used to

allocate capital units and regular premium payable thereafter will be used to allocate

accumulation units. The top up premium will also be allocated to accumulation units,

after deducting premiums allocation charges, but such units will be maintained

separately. The allocated premiums are invested in the funds of your choice and units are

allocated to your policy account at the unit price applicable to each of the selected funds.

The initial management charges, mortality charge, rider premium charge and policy

administration charges are recovered from capital units and the other charges are

recovered from accumulated units. The fund value in respect of regular premium and in

respect of top up premium are maintained separately under your policy.

Premium allocation rate:

The premium paid would be multiplied by the following factors to arrive at the amount
of allocation premium for unit allocation.

Rs. 10,000-Rs. 1,99,999 95%

Rs.2,00,000-Rs. 9,99,999 96%
Rs. 10,00,000 + 97%

The allocation rate for all top up premium is 98%

DEATH BENEFIT

On death, before the age of 7 years:

The benefit payable would be the fund value in respect of regular premiums as well as

fund value in respect of top up premium as on the date of receipt of intimation of death at

the office.

On death after the age of 7 years but before the age of 60 years:

The benefit payable would be the sum assured less value of partial withdrawls made from

the accumulated units in the last 24 months prior to the date of death or a fund value as

on the date of receipt of intimation of death at company’s office whichever is higher. The

death benefit payable would be calculated separately for regular premiums and top up

premiums.
On death of the life assured on, or attaining the age of 60 years:

The benefit payable would be sum assured less value of partial withdrawal made from

accumulation unit within 24 months before attaining age of 60 years & all partial

withdrawals made from accumulation units after attaining the age of 60 years or the fund

value as on the date of the receipt of the intimation of death at the office whichever is

higher.

MATURITY BENEFIT

On maturity, the fund value in respect of regular premium & top up premium would be

paid out & the policy will terminate.

Assured protection
Even if you miss payment of your premium, BAJAJ ALLIANCE CAPITAL UNIT GAIN

provides you with an option to continue life cover along with all additional rider benefits,

if any, even if you forget to pay your premium after 3years of regular premium is paid.

Under this option, the policy will be kept in force by cancellation of units at the

prevailing unit price to meet all the charges, provided the value of the unit in respect of

regular premium does not fall below 150% of the annual premium under the policy.
Investment option

BAJAJ ALLAINCE CAPITAL UNIT GAIN one a choice of 5 funds. You can choose to

invest fully in any one fund or allocate your premium into the various funds in a

proportion that suits your investment needs.

The five funds offered are:

1. Liquid Fund-risk profile-low: the objective of this fund is to have a fund

that is

invested in liquid money market and short-term instruments. This fund will invest

100% in bank deposit’s & money market instruments. Not more than 20% of the

apportioned premium can be put in this fund.

2. Bonus fund-risk profile- moderate: the objective of this fund is to

provide

accumulation of income through investment in high quality fixed income

securities.

3. Equity growth fund-risk profile- very high: the objective of this fund is
to

provide capital appreciation through investment in selected equity stocks that have

an exposure of maximum 20% in bank deposit & money market instrument & min

80% in equities.

4. Equity index fund II- risk profile- high: The objective of this fund is
provide
 capital appreciation through investment in equities forming part of NSE NIFTY.

This fund will have an exposure of maximum 15% in bank deposit.

5. Accelerator Mid- cap fund- risk profile- very high: The objective of
this fund

is to achieve capital appreciation by investing in a diversify basket of mid cap

stock and large cap stock. this fund will have maximum exposure of 20% in bank

deposit and money market instrument and minimum 80% in equities.

Flexibility

To manage your investment BAJAJ ALLIANCE CAPITAL UNIT GAIN offers you the

flexibility to managr your investments. Initially you can allocate the premium into 5

funds that are available in a proportion of your choice. Depending upon the performance

of funds, you can switch accumulation units b/w funds with 3 free switches every policy

year.

Important details of BAJAJ ALLIANCE CAPITAL UNIT GAIN PLAN

Minimum age at Entry 0 year

Maximum age a Entry 60 years

Minimum age at Maturity 18 years

Maximum age at Maturity 70 years

Minimum term 10 years.

Premium payment mode:

BAJAJ ALLIANCE CAPITAL UNOT GAIN provides 4 premium payable modes that

can be yearly, half yearly, quarterly and monthly payable only under salary deduction

schemes or ECS. The minimum premium is Rs. 10,000 for the yearly mode.

Days of grace

A grace perid of 30 days for the yearly, half yearly and quarterly mode & of 15 days of

monthly mode, is allowed under the policy. Your policy remains enforced for the full

some assured even if your due premium are not paid during this period

Revival of the policy

It is possible to revive a policy that has lapsed due to non payment of premiums for such

date of lapse. You have to give a written application to the company to revive the policy

with all the due unpaid premiums. The revival will be effected subject to prevailing
underwriting rules.

Termination of the policy

The policy will terminate on the occurrence of the following:

 The units in the policy are fully surrendered.

 The value of units in respect of regular premiums reduced to 150% of the annual
premium.

 The death of the life assured

 On maturity, if settlement option is not taken.

 The expiry of the period for the settlement option.

Charges

Given below are the details of the various charges that will be recovered from the plan to

meet expenses.

 Policy Administration Charges: Rs. 600 per annum per policy ( recovered by

monthly cancellation of accumulation units), escalating at 5% per premium from

1st April each year.

 Fund Management Charges: 1.75% p.a. of the net asset value of the equity
growth

fund and accelerator mid cap, 1.25% p.a. of the NAV for the equity index fund II

and 0.95% p.a. of the NAV of the bond fund

  Initial management charges: 5% p.a. of the capital unit during the policy term

subject to a maximum of 20 years. This charge will be recovered with the

cancellation of capital unit at monthly intervals.

 Switching Charges: after 3 free switches, subsequently switches would be

charged

a fixed amount of Rs. 100 or 5% of the switch amount whichever is lower on each

such occasions.

 Surrender Charges: Applicable on Capital unit only.

 Miscellaneous Charges: Rs.100 per transaction would be charged in respect of

revival, alteration of premium mode, increase or decrease in regular premium or

insurance of copy of the policy document.

 Rider Premium Charges: the charges for additional charges benefits shall be

recovered through cancellation of accumulated units on a monthly basis.

Risks of investment in the units of the plan:

 The proposal should be aware that the investment in the unit is subject to the

following amongst other risks and should fully understand the same before entering

into any unit link insurance contract with the company.

  Unit linked life insurance products are different from the traditional insurance

products and are subject to the market risk factors.

 The premium paid in unit linked life insurance policies are subject to investment

risk associates with capital markets & unit price of the units may go up & down based

on the performance of the fund & the factors influencing the capital market & the

policy holder is responsible for his/her decisions.

 BAJAJ ALLIANCE LIFE INSURANCE is only the name of the insurance

company and BAJAJ ALLIANCE CAPITAL UNIT GAIN is the only name of the

product & does not in any way indicate the quality of the policy. Its future prospects

or returns.

 The investment are subject to market risk & there can be no insurance that the

objectives of any of the funds will be achieves.

 The past performance of the fund is not necessarily indicative of the future

performance of any of these funds.

Tax benefits

Premiums paid are eligible for tax benefit as per section 80 C of the income tax act. After
deducting premiums paid towards UL critical illness benefit & UL hospital cash benefit if

selected.

Partial withdrawal, surrender value, death benefit and maturity benefit are eligible for tax

benefits as per section 10(10D) of income tax act.

The charges paid for UL CRETICAL illness and UL hospital cash benefit are eligible for

tax benefit as per section 80D of the IT Act.

In case of change in any tax loose relevant to the policyholder or fund performance, the

same will be applied to the regulation prevailing at that point of time.

Why Bajaj Allianz Life Insurance?

An impeccable track record across the globe in providing security and cover fir you and

your family………..

We, at Bajaj Allianz, relies that you seek an insurer who can trust your hard earned

money with.

Allianz AG with over 110 years of experience in over 70 countries and Bajaj Auto,

trusted for over 55 years in the Indian Market, together are commited to pffering you

financial solutions that provide all the securities you need for your fanily n your self.
Bajaj Allianz brings you to several innovative products.

Key Achievements in FY 2005-06;

 No.1 Pvt Life Insurer FY 2006-07, laeding by Rs. 78 Crore

 NO.1 Pvt Life Insurer in Retail Business. Leading by Rs. 339 Cr.

 Whopping growth of 216% for the FY 2005-06

 Have sold over 13,00,000 policies to satisfy customer.

 Is backed by a network of 550 offices spanning the countery

 Accelerated Growth

 Assets under management Rs. 3,324 Cr.

 Shereholder capital base of Rs. 500 Cr.

HDFC- UNIT LINKED YOUNG STAR

The HDFC- UNIT LINKED YOUNG STAR gives:

 An outstanding investment opportunity by providing a choice of thoroughly

researched and selected investments.

 Valuable protection to your child in case you r not around

 Flexible benefits combination and payment option

 Flexible additional benefit options such as critical illness cover.

 Assess to your accumulated fund before maturity.

In case of your unfortunate demise during the policy term, HDFC will pay the sum
assured you had chosen.

 Continue your policy and continue to pay the original regular premiums

you had chosen.

Four Easy Steps To Your Own Plan

Step 1- Choose the premium you wish to invest.

Step 2- Choose the amount of protection you desire.

Tax Benefits

You will be eligible for tax benefits under the section 80C & section 10(10 D) of income

tax act 1961.

 Under section 80 C, you can save up to Rs.33, 660 from your tax each year as

premiums up to Rs. 1,00,000 are allowed as the deduction from your taxable

income
 Under Section 10 (10D), the benefits you receive from this policy are completely

tax free

Key differences of HDFC

WITH
BAJAJ ALLIANZ CAPITAL UNIT GAIN PLAN

1. Entry age

2. Assured Protection

3. Riders

4. Any N number of partial withdrawals in Bajaj Allianz subject to 150% of

current premium after 1 year.
5. Returns since inception

6. Vast network of Offices, corporates, channels

7. More than 1000 branches and satellite in India.

8. Allocation ratio

Days of grace:30 days in Bajaj & 15 days in HDFC.

CHAPTER-7
OVERALL COMPARISON OF MAJOR
PLAYERS IN BANKING SECTOR
 CHAPTER-8

SWOT ANALYSIS

CHAPTER-8

SWOT ANALYSIS

STRENGTHS

The Standard Chartered has its strength in providing excellent customers service as

compare to the other private banks and the nationalized banks. Secondly, its 150 years of

vast experience in providing excellent banking solutions and the multinationals origin of
the bank i.e. from London, is helping a lot to the bank in expending its business

operations across Indian territories. And, thirdly the values added services provided by

the bank. Thirdly, the value added services provided by the bank with the ever on keep

changing market trends, has been appreciated a lot by the customer.

WEAKNESS

The SCB has on its disadvantages the weak network of the bank as compared to the other

private banks and the nationalized banks as SCB has just started expanding its business

operations across the Indian cities & therefore can find more numbers of branches and the

ATM counters of HDFC & ICICI than Standard Chartered Bank in and around the

potential cities.

But now SCB is getting over these weaknesses in a very positive way

OPPORTUNITY

There is a good opportunity for the Standard Chartered and other banks to expand there

banking business as the interest rates has been continuously dropped by the RBI &

therefore one can see more currency floating in the market &for which the bank provide

the solutions. Home Loans, personal loans, credit cards & current accounts with different

slab rates and the added facilities are being offered by the banks with much reduced
formalities to tap more of the customers and therefore the SCB can expand its business

by concentrating more on the value added services vis-a-via the other banks.

THREATS

Their is a potential threat to the Standard Chartered Bank & other banks if SBI goes on

line all over India, as they have already started their online operations in metros. So, once

SBI goes on line, the cuatomer will obviously go for that as SBI and its allied 7

subsidieries i.e. State Bank of Patiala, State Bank of hyderabad, satte bank of Bikaner,

etc, have a long network of about 9000 branches in rural, semi urban and urban areas.

Also as SBI is leading Nationalized bank of India & therefore for the customer who

generally prefer Government Banks vis-a-viz private banks because of the risk of the

payment associated with the later one, the SBI will eatup the private banks by giving on

line services.

So the only way for private banks and SCB to maintain the market shares is to provide

the best of the customer services compared to nationalized SBI and by giving new value

added services to the customers so as to attract them.

 CHAPTER-9

CONCLUSION

CHAPTER-9

CONCLUSION

After going through the various products and services being offered by the STANDARD

CHARTERED BANK, the bank ranks amongst the top most players in the multinational

bank category. This all has been possible because the services the bank caters to its

customers.

Standard Chartered in collaboration with Bajaj Allianz offers the BAJAJ ALLIANZ
CAPITAL UNIT GAIN PLAN, which offers very high returns and is very customer

friendly in all respects.

The Standard Chartered Bank has improved a lot in every sphere of banking. It is

expanding its network, as it has 81 branches in the leading cities of India.

The other multinational players in banking sector are HSBC, CITY Bank, IBN Amro, and

IDBI etc. with the comparison of Standard Chartered was done to find out the relevant

position of the bank.

In Standard Chartered Bank, the minimum quarterly balance required is Rs. 10,000 and

moreover services charges are also reasonable in comparison to the facilities being

provided by the bank.

In the nutshell, it can be concluded, “Standard Chartered Bank is the bank for classes

& not for masses”

 BIBLIOGRAPHY

BIBLIOGRAPHY

 www.standardchartered.co.in

 www.standardchartered.com

 Standard Chartered Right Start Booklet for Standard Chartered Employees.

Published By Standard Chartered Bank.

 Standard Chartered Right Track Induction Booklet for Standard Chartered

Employees to know about the bank

Published by Standard Chartered Bank

 The broachers of the Bank

ANNEXURE