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In the name of Allah, most Gracious, most


Merciful
This is by the Grace of Allah

CONTENT

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Letter Of Transmittal 04
Preface 05
Letter Of 06
Acknowledgement
Background and 07
Introduction
Overview 08
Mission & Vision 09
Area Of Business
Main Objective 11
Organizational 12
Structure
Organizational Chart 13
Organizational 14
Management
IS of SCB 15-16
Organization 16-17
Computing Resources
Organization TPS 18-24
System
MIS Relation With TPS 25-26
ATM Process 27-28
Transaction Flow Chart 29
Conclusion 30
Suggestion 31
Reference 32

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LETTER OF TRANSMITTAL
02nd April, 2011

Sir Jawad Bhatti

Course Instructor, Management Information


System

Szabist University

Karachi.

Sir

We here with present our “Term Report”


authorized by you as a requirement for this
course.

In this report, we have tried to provide


Management Information System of “Standard
Chartered Bank”

We hope we have covered all that was required


for the report.

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If there be any clarification demanded, we


would appreciate a call from you.

Sincerely,

Mahwish M.Bashir
Misbha M.Bashir
Syed Ali Kamran
Kashif Khawaja

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PREFACE
We student of BA/BS V(A) and this was the
first time we have got a chance to explore
our research knowledge and skills that we
have learnt so far in our University.
Although this was a practical and theoretical
work, so we faced many difficulties and
confusions at many stages of this report.
We worked hard and we were Keen to make
this project the best in term of material and
quality. Although we not professionals but
we have given our best efforts to present
this project as much professional as we can.
We have learnt a lot from this effort, we
have got a chance to work on MS WORD
and we have learnt a lot using MS WORD.
We explored WORD deeply and got many
new things to learn. Thanks to the Almighty
Allah who enabled us to complete this
project successfully.
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ACKNOWLEDGEMENT
“Life is a journey; it's not the years in your life that
count. It's the life in your years.”
But Life can’t be completed without the support of many
people.

First and foremost, we would like to thank Almighty


ALLAH for guiding us and helping us in every path of
our life, even in the smaller material things like this
report.

We also thankful to our parents for their unconditional


love and support in whatever we do.

A special mention goes out to all those people who


gave us a part of their valuable time to fill up the
questionnaires hence enabling us to conduct the
research survey.

And last, but not the least, we would like to convey


our sincerest thanks to our respected Sir Jawad Bhatti,
who approved our choice of topic and provided us
with the necessary guidelines and requirements so as

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so help us with the progress and structure of our


report. Working on this report has been a gratifying
experience for all of us.

“It is good to have an end to journey toward; but it is the


journey that matters, in the end.”

BACKGROUNG AND INTRODUTION:

The Standard Chartered Group was formed in 1869 through a merger of two
banks: The Standard Bank of South Africa founded in 1863, and the Chartered Bank
of India, Australia and China, founded in 1853.

As its operations came under threat from nationalization programmes in the


countries in which it was present in the 1970s, the bank sought expansion in
developed countries, particularly the USA.

A Standard Chartered Bank (HQ) in Singapore. In Pakistan Standard


Chartered merged in Grindlays' operations, making Standard Chartered not only the

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largest foreign bank in the country, but the only one with branches in all four
provinces.
It is a uk base bank and group is Pakistan.

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OVERVIEW

Standard Chartered Bank (Pakistan) Limited is Pakistan's oldest and largest


foreign bank with over 150 branches in the country. The history of Standard
Chartered in Pakistan dates back to 1863, when the Chartered Bank of India,
Australia and China first established its operations in Karachi.

In 2006 Standard Chartered Bank acquired Pakistan's Union Bank. On 30


December 2006, Standard Chartered merged Union Bank with its own subsidiary,
Standard Chartered Bank (Pakistan), to create Pakistan's sixth largest bank.

MAIN SERVICES

Consumer banking:

Standard Chartered provide Mortgages, Credit Cards, Personal Loans, Auto


Loans, Islamic Banking, and Wealth Management products. In order to maximize
customer convenience, they offer 24-hour Phone Banking, statements, SMS
Banking, ATM Cards and VISA Debit Cards, as well as Online Banking and state
of the art branches.

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Wholesale Banking:

Wholesale banking provides Transactional banking, Debt Capital Markets,


Corporate Finance, Derivatives & Fix Options, Commodity Finance and deposit
products.

Islamic Banking:

Standard Chartered Saadiq's dedicated Islamic Banking team provides


comprehensive international banking services and a wide range of Shariah
compliant financial products that are based on Islamic values

VISION AND MISSION

Vision:

“To be the preferred provider of Islamic financial products in the market”

Mission:

“To create exceptional value for our clients, investors and staff; through
market leadership in providing innovative Shariah compliant products and
solutions, and by adopting and living our core values”

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AREAS OF BUSINESS

Standard Chartered have branches in all the main 25 cities of Pakistan. It has
more then 150 branches in Pakistan.

TOTAL OFFICES AT NATIONAL

AND INTERNATIONAL LEVEL

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Standard chartered is operating more then 150 branches in about 25 Cities of


Pakistan. 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 1,400 branches (including subsidiaries, associates and joint
ventures) in over 50 countries in the Asia Pacific Region, South Asia, the Middle
East, Africa, the United Kingdom and the Americas.

As one of the world's most international banks, Standard Chartered employs


60,000 people, representing over 90 nationalities, worldwide. This diversity lies at
the heart of the Bank's values and supports the Bank's growth as the world
increasingly becomes one market.

MAIN OBJECTIVES

Standard Chartered Bank is an international bank, focused on the established


and emerging markets of Asia, Africa, the Middle East and Latin America with an
extensive global network of more than 600 offices in over 50 countries. The three
principal business groups are Treasury, Consumer Banking and Corporate and
Institutional Banking. Their main objective is to offer outstanding value to their
customers by providing knowledgeable, efficient and reliable service in a personal,
helpful and responsive manner. Central to this service philosophy is the professional
consultative approach they take with each customer. By getting to know the
customer better, they can identify the customer's needs and match them with quality
products which suit their best.

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ORGANIZATION STRUCTURE

Standard Chartered Bank has a formal structure. It has intra link system
means one link system. The organization is a flat organization.

MANGEMENT OVERVIEW

Management Chart:

Standard Chartered has a specific management hierarchy like “G series” in


descending order. The hierarchy is below.

Managerial Ranks:

Descending order

G9: Officers of the bank.


G8: Accounts managers.
G7: Branch Manager
G6: Regional Head
G5: Branch Head
G4: Dept head
G3: Country head
G2: Continent head
G1: CEO

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ORGANIZATION CHART

G1

G2

G3

G4

G5

G6

G7

G8

G9

We can say the chart shows that first line employees come in G9 category
and then it tends to G8……….till G1. So this is in descending order. G9 Officers
up to G1 CEO.

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ORGANIZATION MANAGEMENT HIERARCHY

CEO

Executive Directors

Regional Regional Regional


Managers Managers Managers

Branch Branch Branch Branch Branch Branch


Manager Manager Manager Manager Manager Manager
s s s s s s

BUSINESS PROCESS MODEL (PAKISTAN)

Administration and Management


R & D System (Karachi)

HRM
Workforce Planning System (Karachi, Lahore, Islamabad)

Secondary Technology Development


Activities (Karachi, Islamabad)

Computerized Ordering System MIS of Standard


(In all branches of Pakistan) Sales Chartered Organization Value
Chain
Primary Inbound Outbound
Operations Services
Activities Logistics Logistics
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INFORMATION SYSTEM IN STANDARD CHARTERED

As Standard Chartered started their business in Pakistan in 2006 so as such


there is no Pre-IS era of standard chartered bank in Pakistan. They are using IT
since the start of their business in Pakistan. IT creates an evolution in whole world
in every business and so in banking system. Now in standard chartered with the help
of IS the daily transactions are recorded in branch computers and these branch
computers are then connected to the main head office server so in this way they
keep their daily process update on daily basis.

As Time is money, and due to IS standard chartered bank make thousands of


transactions per day. In fact, IS makes whole process much more quick, simple and
reliable. Due to IS employees can easily connect with other branches, customer
service gets improved, online banking emerged and lot of others benefits.

Standard Chartered Online is an innovative Online Banking service that you


can tailor to suit your precise banking needs. It gives you convenient, round-the-
clock banking services ranging from day-to-day account transfer transactions to
real-time valuable financial information. Now you can manage your finances
anytime, anywhere.

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Information Structure:

This is confidential knowledge that the bank is using people soft, virses,
EBBS (electronic business banking software) software’s, HRS, HRIS to make their
employees up to date with the time this people software and other IT equipment is
taken from Kuwalalumpur Singapore. Through this people soft manager make
contact with each other. Organization is fully digitalized SCB has WAN, LAN & V-
LAN Networks. Having PTCL Services, and using Cisco technologies (latest3950-
3800 series routers). Having CAT6 cabling and for backup have rescue disaster
recovery system.

ORGANIZATION COMPUTING RESOURCES

Software Resources:

Following software’s is used for the functioning of our information system


and organization;

Application Software:

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Following application software’s are used in our organization and


functioning of our information system.

• People Soft.
• EBBS (SCB banking system).
• Microsoft Office.
• NOD32 Anti-Virus.
• SQL based data base, SAP and ORACLE at backend.
• Symantec security system.
• Adobe Reader.

System Software:

Following application software’s are used in our organization and


functioning of our information system;

o Operating System (Windows XP and Linux) for PC’s.


o Windows 2003 server for mainframes.

Hardware Resources:

Following hardware resources are required for the functionality of IS and


organization:

• Personal Computers.
• Canon Document Scanners.
• HP Printers.
• Networking Cards.
• Currency Counter.
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• Coin Counters.
• HP Digital Scanners.
• IBM Mainframes.
• Dell & HP PC’s.

COMPUTING TYPE

In Standard Chartered Bank, they are using client/server network because it


is accessible and the employees easily share the data and this network is cheaper
than others and this is easily maintainable and manageable. All the data save in
main server or HUB and employees can easily access it. This type of computing
system provides an easy access and efficient flow of data, which increase the
functionality of organization.

Three Tier Architecture:

Most Web Applications which use database access do this through three
layers of application logic. At the base is a Database Management System (DBMS)
and a database. At the top is the client web browser used as an interface to the
application. Between the two lies most of the application logic, usually developed
with a web server-side scripting language that can interact with the DBMS, and can
decode and product HTML used for presentation in the web browser.

The figure describes that at the base of an application of three-tier


architecture is the database tier, consisting of the database management system that

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manages the database containing the data users create, delete, modify and query.
Built on top of the database tier is the complex middle tier, which contains most of
the application logic and communicates data between the other tiers. On the top is
the client tier, usually web browser software that interacts with the application.

Three Tier Architecture Network:

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Technology:

For the proposed Web Application different type of language will be used.
The page generation will use HTML, JavaScript and PHP language. PHP is also
used fro database connection and data validation. Apache web server will be used
for the functionality of the Web Application. In the proposed Web Application
mysql database will be used.

Integration Framework:

The integration process of the proposed software lies in the three tier
architecture. Three tier architecture is being used for the software because hides the
reality that the applications must bring together different protocols and software.

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The Client Tier:

The client tier of the three tier architecture model is the web browser. Web
browsing software processes and displays HTML resources, issues HTTP requests
for resources and processes. The generated pages for this software (previously
discussed) are in this tire. The previously created pages are mainly created in
HTML but some of the pages are embedded with PHP and JavaScript. Cascading
Style Sheets (CSS) are also used in different pages.

The Middle Tier:

In three tier Web Application systems, the majority of the application logic is
in the middle tier. The client tier presents data to and collects data from the user; the
database tier stores and receives the data. The middle tier serves most of the
remaining roles that bring together the other tiers; it drives the structure and content
of the data displayed to the user, it process user input from the user as it is formed
into queries on the database to read or write data. This middle tier application logic
integrates the Web with the database management system.

The components of the middle tier are web server, a web scripting language
and the scripting language engine. A Web server processes HTTP requests and
formulates responses by interacting with the database management system.

For the proposed software PHP is used for middle tier scripting language,
PHP engine is used for scripting language engine and Apache Web server is as web
server.

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The Database Tier:

The database tier is the base tier of the proposed software. Designing
databases and building tier is the first step of this software. Based on the content
analysis, Entity Relationship Diagram, database of the proposed software is created
using mysql Database Management System.

Component Based Development:

The component technologies have evolved in large part because of the


explosive growth of Web-based systems and applications. Three major
infrastructure standards are available for web engineers: CORBA, COM/DCOM,
PHP and JavaBeans.

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ORGANIZATION TPS SYSTEM


Transaction Processing System:

A Transaction Processing System (TPS) is a type of information system.


TPSs collect, store, modify, and retrieve the transactions of an organization. A
transaction is an event that generates or modifies data that is eventually stored in an
information system. From a technical perspective, a Transaction Processing System
(or Transaction Processing Monitor) monitors transaction programs, a special kind
of programs. The essence of a transaction program is that it manages data that must
be left in a consistent state.

TPS in Standard chartered bank:

Effective transaction processing system is working in Standard chartered


bank that offer enterprise the means to rapidly process transactions to ensure the
smooth flow of data and the progression of processes throughout the enterprise.

Payroll TPS

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In Standard Chartered payroll TPS is designed to get information and record


of the employ and then to calculate his/her annual earning.

It get information about the employee from the employee’s department and
from general ledger and send it to payroll TPS from where it links that information
with the previous record and prepare a report which is forwarded to management.
Management takes notice the “LN” record of the employee’s efficiency to work and
may declare added bonus or other incentive. This report is checked and approved by
the branch manager after which check is issued to the employee. And when that
check is cashed, the record is updated in the general ledger as well as the master
payroll (HUB).

Employe
e Data
Check
Payroll TPS Managemen
Passes
People Soft t Reports by
Manager

General
Ledger

Check
Payroll Issued to
Master File Employee
(HUB)

General
Ledger

Customer Identification

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In Standard Chartered Bank there is their own information management


named software “Virses” is working which is connected to NADRA. So if any new
client wants to open an account in the bank the system automatically send a request
to NADRA to check and verify the customer ID number. Which helps the
management to identify whether he/she is using his original ID card or not.

Input
(ID #) Virses
HUB

NADRA
(Customer
identification)
Management

Employees Record

All employees are supposed to login when they enter the bank and logout on
leaving, by tracing their thumb impressions on biometric device. This device is
connected with the HUB which continuously makes record of their hours spent in
the bank. Moreover, the bank has their own setup named “LN” which makes records
of all the transactions made by an employee. This help management to monitor the
working efficiency of an employee.

Employe
e Job
Login Biometric Device
& LN
HUB
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Real time Banking

In many circumstances the primary factor is speed. For example, when a


customer withdraws a sum of money from his or her account the transactions are
processed and the account balance updated as soon as possible, allowing both the
bank and customer to keep track of funds. The new transaction is send to LN. The
LN enters the HUB where the specified file is accessed. The updates are made
entered there and finally the update is done.

New
Transactions, Update
Updates LN d

HUB

Online Complains

Standard Chartered Bank allows the customer the option of online complains.
The customer submits the online complain which is then processed by Customer
Service TPS which is linked by management (PeopleSoft Software) and after the
problem identification it is send to the concerned department.

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Customer Identify
Custome Service TPS Proble
r Queries PeopleSoft m
Software

Send to
Concerne
d Dept.

Advices

As all of the record of the customers are stored in main server (HUB) of
Standard Chartered bank, so incase if someone account balance is getting near to
zero the system automatically alert the management about that. Then manager take
manual action and send him/her the advice (a letter, mail or phone call) to check the
account balance.

Accoun (PeopleSoft
t Software) Management
Alert Customer
Service TPS

Advices Send
HUB
to Customer

Account Opening

This TPS is designed for opening a new account in the bank.


Input: Give bio data, NIC no., income, city name.

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Process: Information sends to the “virses”.

Virses

(PeopleSoft
New
Software)
A/C
Applicant Identification Customer
Opened
Service TPS

A/C HUB
Dept.
Output: new account opened in the bank.
Online Activity

Purpose: Transfer funds with the organization.


Input: Concerned Branch code, city name, account title, amount & the
transaction.
Process: The information will send to organization server (HUB).
Output: Transfer of fund to the concerned branch.

Custome Customer A/C


r Service TPS Dept

Fund
Transfer
HUB to
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ATM Card

Purpose: Easy with draw of cash.


Input: Give bio data, income summary, company name, NIC.
Process: NIC no. and bio data send to virses which directly linked to
NADRA. If information is correct then it is forward to customer service
centre.
Output: Issue of credit card.

Virses

Applicant Customer New A/C


Identification Service TPS Opened
(PeopleSoft
Software)

A/C HUB ATM


Dept. Issued

Car Financing:

Purpose: Leasing a new car.


Input: Account title, down payment amount.

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Process: The information is send to the HUB and verifies the account of
customer and makes the
Schedule: for leasing for the given period of time.
Output: Customer can get a new car.

HUB

Applican Customer Issuanc


t Identification Service e
Managers

A/C,
Financ
e
Dept.

MANAGEMENT INFORMATION SYSTEM

Relationship of MIS with TPS:

MIS reports and summarizes the organization’s basic operations and these
reports come from the basic transition processing systems. In case of our
organization the TPS’s of ATM Cards, Payroll and Customer identification etc.
provide the basic information about the organization’s activities. These activities are
then summarized in the form of reports for the manager so that they can check
whether the firm is working properly or not. If there are some flaws then they take
control measures to fix those flaws.

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Transaction processing system Management Information system

MIS FILES
Payroll TPS
Payroll Master
File
Payroll Data
C.I info Master Customer
File Identification
TPS Customer Data

Employees
Employee
Info Master File Record TPS
Employee’s Data

Customer Real Time


Account Master Banking TPS
File Customer Data

Customer Customer
Queries Master Service TPS Customer Complain Data
File

Customer ATM ATM Cards


Master Files TPS Customer Account Data

Customer Advice Advices TPS


Master File
Advices Data

Online Online Customer


Master Files Activity TPS Customer Data

Car
Financing
TPS
Customer Finance Customer Data
Master Files

MIS
(EBBS)

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Car
Financing
TPS
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Reports

MANAGERS
ATM Transaction Process:

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Transaction Flow Chart:

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CONCLUSION & SUGGESTION

Conclusion:

A management information system is a system or process that provides the


information necessary to manage an organization effectively. MIS and the
Information it generates are generally considered essential components of Prudent
and reasonable business decisions.

These report discuses all the activities that the Management Information
System performs in our selected organization “Standard Chartered Bank
(Pakistan)”.

The reports start with the background history of the bank such as when it
establish in Pakistan, the branches, pre and post era etc. It explains all the TPS how
the transactions are made by the bank, using of these TPS from the new events such
as account opening, new allowances etc to the routine work including cash and
payments record, updating of records, payroll and the processing of the complaints.
These TPS holds all the activities from the manager and employees to the
customers. The report discuses the inbound and the outbound logistics and relate all
the processes of TPS used in the bank with the MIS, enabling the bank to provide
the quality and satisfactory services to their customers. Also includes the inter
relations, of all the entities in the database of the bank. ERD diagram represents all
these relations.

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Suggestion:

The bank is using the IS very efficiently and increasing its profitability, but
still there are many things that should be improved.

1. With the increase in the technology, the bank should made its IS up-
to-date for providing best services to their customers and attracting
more customers and increasing its productivity.

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REFERECES:

• www.standardchartered.com.pk
• www.google.com
• Annual Reports of Standard Chartered Bank

THE
END
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