Standard Chartered Bank is one of the world's leading banks in foreign exchange and

money market operations with specialist strengths in exotic currency products. Clients
have access to a 24-hour dealing service through 20 dealing rooms in the principal
financial centers. The bank has also established a strong reputation for dynamic
involvement in new financial products such as options and derivatives and is particularly
strong in the emerging market currencies of Asia, Africa and Latin America where it is
recognized as being a first choice provider in many markets.

Even though the multi national organizations have a strong hierarchy of their employees
but exceptions are always there, we have concluded from our services that this
organization is also facing some problems of human resource services which includes:

• Hiring
• Firing

Now first we would like to explain some of the history, contents, organizational working
structure this organization actually have.

Standard chartered began its operations in 1853 with the name of chartered bank of
India, Australia and china under Royal Charter, later went overseas in 1858 in Shanghai,
Hong Kong and Singapore. Form 1870-1900 continued to expand in Asia and Africa
respectively. In 1979 purchased Union Bank in California and in 1997 give record annual
results representing the doubling of trading profits in 3 years.

As soon as Standard Chartered has evolved started providing Consumer banking

facilities in a proper and efficient manner, along with on go started all the banking
services according to the modern day needs form accounts to wireless communication
banking and is evolving all the techniques of banking with modern technology. Along
with the increasing services SC is doing marketing of its all new facilities in an effective
and efficient way through media and personal face to face marketing techniques
employing young energetic people.

Over 150 years experience and expertise of a leading financial services provider,
especially in Asia, the Middle East and Africa Knowledgeable and reliable advice given
to Standard Chartered Bank by Customer Relationship Managers who undergo
certification by the renowned Securities Institute of London Unique financial planning
service that provides customized solutions for your financial needs, investment and risk
profile, and priorities in life Global access to banking and lifestyle privileges through
your Priority Card. International presence supporting you across more than 50 Priority
Banking Centers in 23 countries.

BRAND VALUES

Following brand values are been set by the individuals of Standard Chartered Bank as a
whole in satisfying customers.

Purpose

 To decide together the specific day to day behaviors that will turn reality into a
living reality.
 To identify other actions that needs to be taken in business areas to support the
values and behaviors.
 To feedback to leaders about how they can support the change.
 For individuals to gain some feedback on how their personal style and behavior
supports the change.

Aims

 To confirm the behaviors that will bring these values to life.

 To create the environment for new behaviors to flourish in the team.
 To identity what will help the teams achieve new behaviors i.e. driving forces and
what could restrain them i.e. Restraining forces.
 To define the significance or strength of each force.
 To identify the changes that are within the scope of the management team and the
changes that are outside of the scope to your business area that you would like to
propose to your boss.
 To feedback to leaders about how they can support the change.
 For individuals to gain some feedback on how their personal style and behavior
supports the change.
 To develop a simple framework to keep the behavior on track.
Courageous

 We encourage measured risks.

 We learn form mistakes and experience.
 Our people feel confident in expressing their views.
 We give open and constructive feedback.
 We support our people to develop their talents and skills.

Responsive

 Customers are at the heart of our business.

 We make everyone feel at home.
 We empower our people.
 Our people take personal ownership.
 Everyone has unique talents and individual needs.

International

 We respect the local communities in which we trade.

 We sponsor community projects and encourages our people to participate.
 We thrive on the diversity of our people and the breadth of their experiences.
 We are a meritocracy that values and recognizes people for what they do.

Creative
Our people….
 Are encouraged to contribute their ideas and work better.
 Have an infinite capacity for ideas and we tap this creativity.
 Are creative and take risks.
 Achieve their goals through their individual talents.

Trust worthy

 Our people build trustworthy relationships.

 We say and do what we say we will do, we are direct and honest.
 We trust our people to make the right decisions.
We trust each other and word as one Bank.
“We make everything you value our priority”

We recognize your need to maximize your financial growth and security without
compromising on those things, which are important to you; Family, Business and one’s
own personal growth. Which is why we would like to introduce Standard Chartered
Priority Banking to you?

With Priority Banking you’ll enjoy the freedom to concentrate on your priorities, secure
in the knowledge that you have a team of experts devoted to your financial well-being.
What’s more, you and those closest to you will benefit from a range of exclusive Priority
Banking services and privileges.

Plan, Grow and Protect your wealth

Priority Banking aims to bring you the experience and expertise, which is vital for
managing your wealth. Our unique Plan, Grow and Protect methodology gives you the
choice of managing your wealth efficiently and effectively.

Plan
Our Relationship Managers, together with product specialists, design customized
solutions and financial plans as per your choice, taking into consideration your financial
needs and goals. We identify the gaps between current situations and future goals and aid
you in taking decisions to narrow or perhaps even secure these gaps.

Grow
At every stage in your life, Priority Banking provides a comprehensive suite of products
to help you build your funds and assets. We offer you personal and business banking
solutions to choose from, together with a wide range of innovative products to cater to
your investment, credit and insurance needs.

Protect
Through periodic reviews and timely updates, we help you decide and make adjustments
to banking solutions and investment portfolios to make them profitable in light of the new
developments. These regular reviews help you to plan for the future, while protecting the
value of what you have built over time.

Five cornerstones of Service

Priority Banking revolves around the five cornerstones of service:

Professional
All our CRMs are individuals with professional degrees, who have undergone specialized
training within and outside the Bank. The Standard Chartered Wealth Management
program certifies our CRMs to conduct financial planning sessions and offer investment
advice.

The CRMs work with committed, professionally certified and trained Investment
Relationship Managers (IRMs), whilst assisting you in making appropriate investment
decisions taking into consideration your risk profile and financial goals.

In addition to the CRMs, you also have access to the expertise of product specialist in the
areas of insurance, securities-backed lending and home loans to assist you in structuring
solutions to your needs. This would help meet both long-term financial goals and
immediate cash flow requirements.

Profitable
With Priority Banking you have access to a wide product range designed to meet your
unique needs at every stage in life. A variety of products are offered for both personal
and business banking as well as investment management.

Private
We have elegantly designed Priority Banking Centers across the country because we
understand your need for total privacy and confidentiality. These centers enable you to
meet your CRM to discuss and carry out your banking transactions in total privacy and
comfort. You can use the services of exclusive teller counters at our Priority Centers and
in most of our branches in Pakistan to ensure nominal time is spent on transactions.

Privileged
With Priority Banking you enjoy the experience of being a truly privileged customer. We
invite you to indulge yourself in a world of privilege and class.

As our Priority Banking customer, you can also enjoy participation in a series of unique
customized lifestyle events, where we cater to your preference in music, dining and
entertainment while giving you the opportunity to meet and interact with other members
of our Priority Banking program.

Regular seminars are conducted on financial and investment related subjects, where you
are given a platform for interacting with eminent personality from across the world.

Product Elements
Instant Account Opening
We offer Instant Account Opening at our 5 Priority Centers, with on the spot account
operation and a ready to use ATM card and chequebook.

A Pre-approved* Gold Credit Card

We offer you a Free Pre-approved* Gold VISA/Mastercard Credit Card with a limit of
Rs.150,000. You enjoy the card free of charge (no joining fee and annual fee) for as long
as you maintain a Priority relationship with us.

A Pre-approved* Standard Chartered-PIA CoBrand Gold Card

This card offers you special benefits like upgraded check-in at PIA Business Class
counters even if you are traveling economy class, and business class lounge access across
Pakistan. As a Standard Chartered-PIA CoBrand Gold VISA card member, you are
automatically upgraded to the Awards + Plus Sapphire category free of cost (a facility
currently being offered by PIA at a cost of Rs.25,000/). As a Sapphire member, you
receive 25% bonus points for PIA segments, 50% extra baggage allowance, curbside
check-in provided at airports where this facility exists and Priority boarding.

A Pre-approved* Auto Loan

We offer you a Pre-approved* Auto Loan with a limit of Rs. 1.5 million. However an
enhanced loan up to Rs. 3.5 million can be availed with submission of relevant
documentation by customer.

Home Loans
These loans are offered to you with exclusive benefits of faster processing time and
enhanced limits together with relationship pricing discounts.
Priority ATM/Debit Card
The Priority ATM/Debit Card is given free to you with enhanced withdrawal limits, as a
Priority Banking customer. This exclusive card recognizes you as a Priority customer
across all branches in Pakistan and gives you access to your funds 24 hours a day. It can
be used as a Debit Card at over 2,000 outlets across Pakistan to make purchases, thus
eliminating the hassle of carrying cash.

Tijarat Account
This is a current account that is especially packaged for your business requirements. You
can enjoy free on-line banking of up to Rs. 1 million, thus negating the need for
maintaining different accounts in different cities.

High Yield Account

The High Yield Account offers you the dual advantage of earning profits without
sacrificing liquidity. The profit on your High Yield Account is calculated on a daily
balance basis. This means you benefit on your closing balance everyday of the month as
long as you hold the account.

Term Deposit
Our Term Deposits offer you a perfect match of regular income and attractive returns.
Standard Chartered PKR Term Deposits are available in various tenors, underscored by
an attractive tiered rate structure and preferential rates for your benefit and convenience.

Overdraft Facility
This feature gives you a standby line of credit against your deposits, Government
Securities and Financial Guarantees. Thus you avoid liquidating your investment yet
enjoy income from it. As a Standard Chartered Priority Customer you enjoy preferential
rates when you avail this facility.

Investment Products
Whatever your investment needs, Standard Chartered Wealth Management has a
rewarding solution. When it comes to investment, you probably have many questions in
your mind. When should you start investing? How long should you stay invested? How
much money do you need? What is your risk appetite?

The Investment Option encompasses a comprehensive range of investment products that

include Mutual Funds of leading fund houses of Pakistan, Fixed Income Securities, and
Government of Pakistan Bonds and Foreign Exchange solutions. We also offer Life
Insurance and Education Plans in association with our partners to help protect and grow
your wealth.

Service Elements
Account Accessibility through our Phone Banking Centers
For your convenience, most transactions are now just a phone call away for Priority
Banking on our 24-hour helpline: 111-002-002 (option 3 for Priority Banking).

Free Banking Services

We offer you charge-free pay-orders, drafts, fund transfers and cheque books at our
Standard Chartered branches located nationwide.

Priority Centers
Standard Chartered enjoys the privilege of having the largest network amongst foreign
banks in Pakistan. Our network of over 31** branches is strategically positioned to
embrace clients across the country. We invite you to visit our exclusive Priority Banking
Centers and become part of an experience that is unique and delightful.

Membership to the Priority Banking Program

To enjoy the exclusive privileges of Priority Banking, a quarterly average balance in any
one or combination of the following products of the banks is required to be maintained:

• Current Account: Rs. 3,000,000 and above

• Savings (PLS) Account: Rs. 3,000,000 and above
• Foreign Currency Account (FCY): US$ 50,000 or equivalent in other foreign
currencies.

Karachi Hill Park

Clifton SNPA 16-A/1 K.C.H.S Union
10, Khayaban-e-Roomi, World Ltd.,
Trade Center Shaheed-e-Millat Rd.
Telephone No: 111-400-400 Telephone No: 021-4544900-7

Lahore Gulberg
New Garden Town 86-A, D/1, Gulberg 3, Lahore
FB-4, Awami Complex, Telephone No: 042-5872570-75
Usama Block.
Telephone No: 042-5885830-7

Islamabad
Plot no.19-A,
Areej Plaza, F-7 Markaz
Telephone No. 051-2654481-7