All over the globe businesses are striving to meet customers needs and wants using the latest computer technology and information system. The arrival of computer technology has strengthened the customer-business relationships because todays businesses can serve their customer better than ever before. Information technology plays an increasing role in providing better financial services to customers. Implementation of information technology and communication network has brought revolution in the functioning of the banks and the financial institutions around the world. In the past twenty years, financial services have undergone deep and extensive changes in all aspects of their business: product and services,

Sectoral structure, market segmentation, competitive environment etc. Globalization has been particularly pronounced in wholesale banking and over the counter financial markets such as foreign exchange. Corporate leading and investment banking are dominated by few global players, active in all markets, established or emergent (Gold finger, 2007). Global business environment also extended the scope of retail banking all over the world for multinational financial solutions. This paper has considered such a multinational financial institutions named Standard chartered bank(SCB) to explore its overall Management Information System (MIS) units diversified banking functions.

Today, information systems provide the communication and analytical power that firms need for conducting trade and managing business on global scale (laudon and Laudon, 2003). The major objective of the paper is to find the uses of information systems in the different functional areas of Standard Cahartered Bank. The other specific objectives of the study are: To know the different functional areas of the bank.

To learn about the information infrastructure.

To evaluate the overall MIS system of Standard Chartered Bank.

RESEARCH METHODThere are basically two types of research methods and they are conclusive and exploratory. Considering the subject topic we have chosen exploratory method.

PRIMARY SOURCESTo collect our primary data, we have prepared several questionnaires, conducted survey to the practical the financial intuition which was of course the Standard chartered Bank and also conducted in-depth interview with the managers and also go for the following activities:

Interviews and discussion with the concerned authorities and officials in the bank to collect primary data.

Review of the information system policy

Overview of brochures and annual reports of the banks.

SECONDARY SOURCES For secondary data we have collected most of the data from the internet, textbooks and various journals of a very renowned website Review of various research papers available on the web.

LIMITATIONS OF THE STUDY Time limitation was a big problem for us. We surveyed to the main branch and other branches of Standard chartered Bank.

It was hard to get all the complete source of information through oral conversation with the financial institution and technology. Amount of information is not that much because many of the

related were blocked by the University authority. We had other courses to complete, so we did not have enough

time to complete the final report as we planned.

Data collection process was not regular.

The purpose of Management Information System MIS) is to assist tactical level managers in taking decisions and to provide real time representative information to support their activities such as analyzing departmental data, planning and forecasting activates for their decision area (Lungu and Bara, 2005). Banking sector has undergone a radical transformation on adoption of superior technology to create the congenial atmoshphere for the managers performance. Productivity enhancement, innovative products, speedy transactions, seamless transfer of funds, real time information systems and efficient risk management are some of the advantages derived through technology (Goldfinger, 2007). Information technology has also improved the efficiency and robustness of business processes across the bank (OBrien, 1999).

In banking, digital access has many advantages over paper based access in terms of convenience and functionality. There are, of course, many challenges as well like continued access,

preservation and management of data. That is why certain general principles for electronic record management have been recommended(http://www.icfaiuniversitypress.org/books/ITinBanks_ov.asp,2007).

The international business environment comprises integrated financial markets. Rapid economic growth is facilitated by the operation of efficient payment system. Robust payment systems, which are essential for financial stability, inherently operate under different types of risk environment, the principal ones being liquidity and credit risk.

The committee on payment and settlement systems (CPSS) of the central banks of the group of ten countries has gone into this question and developed core principles for systematically important payment systems. The role of various central banks and other participants in the payment systems have also been defined (Goldfinger, 2007).

Internet banking has made banking a commodity where quality is measured by efficient servicing, effective pricing and timeliness (OBrien, 199). Some more likely services in e-banking are touch screens, video conferencing etc. which link customers to a call centre offering banking services. Screen telephones that enable customers to download electronic cash into a smart card are not far away. Secure electronic transaction (SET) standard, and electronic data interchange will also be available on the net. Banking online

still does not claim to be the safest way at all. Internet banking is mostly conducted automatically over a relatively safe kind of internet connection, the secure socket layers. The banks computer systems adopt high security measures, which can rarely be breached (Laudon and Laudon, 2003).The advantages of ATM's (Automated Teller Machine), like any time money, wider reach , easy to use etc, make them popular among the customers. But there are some disadvantages as well like stolen card being used by some one, card daglocking and PIN being cracked. Biometric technology can provide new age ATMs that will be free from these impediments and will enhance the security and comfort in the use of ATMs (Zaheer and Zaheer, 2003).

Base I-II implementations projects will have wide ranging effects on a bank's information technology systems, processes, people and business. It also stipulates allocation of regulatory capital for operational risk. Here the technology will need to focus mainly on data collection, tracking and monitoring, analysis and reporting of operational risk (http://www.icfaiuniversitypress/books/ITin banks_ov.asp, 2007). With bank deducting on setting up networks and computerizing the whole banking process, and providing services through multiple channel, they face many risks. Mail spoofing, web spoofing, attacking the user computer, attacking the bank's server, media impersonation, sniffing information and hacking. Frauds of this nature may be prevented by adopting public key infrastructure (PKI). Other frauds may be minimized through firewalls and intrusion detection system (IDS) (O'Brien, 1999)

Analysis of MIS on Standard Chartered Bank Limited

STRENGTHS: Provides More efficient operations & customer-driven business processes.

Flexibility to overcome the limitations posed by their size.

Makes it possible to develop competitive advantages Helps a business to become a high-quality, low-cost operation. Create virtual environment for the financial institutions. Build knowledge-creating Banking system. Declining transaction costs.

Declining agency costs.

Increased agility. Higher quality management decisions.

Declining geographical barriers. Declining temporal barriers.

The extremely rapid growth in business networking and telecommunications.

A factor of production, like capital and labor. Richer, more responsive information environment than corporate manuals. Reduced information distribution costs. Different technology and application software reduce start up cost. Intranets Connectivity Scalable to larger or smaller computing platforms. Easy to use, universal standard Web interface.

WEAKNESSES: Scalability, Reliability, and Security. Loss of management control. Organizational change requirements.

Organizations often cannot change fast enough to accommodate new technologies. Scalability, Reliability, and Security. Complex pieces of software and large investments of time, money, and expertise. Finding a successful Internet business model. Difficult to make fundamental changes in the way the business operates.

OPPORTUNITIES:

IT can increase market share. Intranets Connectivity is accessible from most computing platforms

Can be tied to internal corporate systems and core transaction databases

Firms have the opportunity to radically reduce the cost of communicating with their employees, vendors, and customers.

Some firms face big hurdles in implementing contemporary systems.

THREATS: Organizational change challenges.

Trust, Security, and Privacy.

Trillions of product configurations, short lead times, many competitors.

Centralized organizational coordination and decision making. Difficulties in sustaining the advantage. Some firms face big hurdles in implementing contemporary systems.

Standard Chartered Bank is the worlds leading emerging markets banking group that is incorporated in the UK, with its headquarters in London with limited liability by Royal Charter 1853. The group focuses its activities in Asia, Africa and the Middle East and its operation is segmented under six regions: UK & Europe, Middle East and South Asia (MESA), South East Asia, and the Americas.

Globally, the key resources of SCB include A network of over 600 offices in 50 countries

A staff of about 30,000 people managing assets of around 47 billion pounds

Standard Chartered Banks international business in Personal Banking, Corporate Banking and Standard Chartered Markets are its special strengths

Standard Chartered Bank also maintains correspondent relationship with over 600 banks in 157 countries around the world

The organizational structure

SCB in Bangladesh has its headquarters and eleven branches in Dhaka and four branches in Chittagong and one branch in Khulna, Bogra and Narayongonj each. While the full range of services is available at the headquarters, other branches offer specific services for the location. At the headquarters, the bank mainly consists of two divisions:

Business

SupportThe business division has the following departments:

Corporate Banking Group (CBG)

Treasury (TSY)

Institutional Banking Group (IBG)

Consumer Banking (CB)

Custodial Services (CUS)

SCB is primarily corporate driven. Corporate banking generates more than 40% of its revenue group while treasury contributes more than 20% to its overall revenue. The rest is generated from Personal Banking, Custodial services and Institutional Banking. The Support division provides assistance to the above business activities and consists of the following departments:

Operations

Finance, Administration and Risk Managemnt

Information technology Centre

Human Resource Department

Legal and Compliance

External Affairs

Credit

Dhanmondi Branch is the head office of Consumer Banking, which concentrates on the full services of Consumer Banking such as customer services, credit facilities, locker, information technology, priority banking and remittances. Banani branch is more like a cash booth offering customer services, teller transactions and remittance customer services (but actual transactions are transferred to Motijheel). Savar branch is an offshore banking unit offering services to overseas investors. Chittagong branch offers Corporate Banking services along with Consumer Banking.

The chain of command

Standard Chartered Bank in Bangladesh follows a hierarchical pattern of command. The Chief Executive Officer (CEO) reports to the Regional General Manager, MESA in Dubai. All the department heads at the headquarters report to the CEO. In Chittagong, however, since there are two major business activities, a manager or senior manager, who reports directly to the head of the respective division in Dhaka, heads each. The Custodial Service division at the headquarters reports to the Head of Corporate Banking.

The respective branch managers are responsible for the performance of their unit. Each branch is organized functionally along line divisions with some support facilities and the manager assigns tasks to his/her subordinate personnel and supervises their performance, instructions are often given without necessary details and clarifications. The following chart demonstrates a clear view from which a clear idea can be striven;

Figure 1: Organizational Organogram Focusing on service quality & consumer needs

Recruiting and maintaining top-grade, efficient employees

To invest in those technology systems which will upgrade and enhance financial services.

There are two types of services provided by Standard Chartered Bank

1. Business or Corporate Financial Services

2. Retail or consumer Financial Services.But these two services can be classified further in the following ways:

Figure 2 : Banking Services of Standard Chartered Bank

Corporate Banking of SCB

Corporate banking services of SCB compromise the following services:

Figure 3: Business/Corporate Banking of SCB/Source: Corporate Banking: SC

Customer Banking

Superior retail banking services comprising a wide range of deposit and loan products are offered by Standard Chartered Bank to its individual customer.

Figure 4: Structure of Consumer Banking.

The Consumer Banking division constantly faces challenges and meets them by developing new products and services to fulfill the specific requirements of local customers. The Bank offers a 24- hour service in Bangladesh through its Money link ATM network. There are 35 ATMs in Bangladesh 18 of which are located within branch premises and 17 are situated in off site location customer can get about 60% banking services only by phoning through call center. Call center provides 24/7 one window service to the customer and it is free of charge.

Correspondence Banking

The international network service(INS) department offers its correspondent customer:

_Current account services where taka settlement is necessary.

-The ability to issue bond and guarantees in support of their customers business.

-Advising of l/c and negotiation of documents.

-market intelligence and status report.

-inter branch transactions facilities.

-risk exposes.

Phone Banking

This department gives the following service:

-operations of accounts over the phone.

-transfer of money between accounts.

-Order cheque books, account statement.

-Any kind of quarries related to banking transactions.

-any kind of quarries related to credit card.

Other support services

For providing all these services to customers efficiency the bank undertakes some other necessary support services, which are described below:

Operations

Operations are the part of the support division, which helps to run the business of the bank in a smooth and controlled manner. Since it helps mainly in processing the works of the business units, any mistakes made can be easily detected on time. Following are the main functions of the operations department:

-Central operations deal with the closing and opening of accounts and other payment and account related processing of the personal banking division.

-a treasury operation helps to deal with the processing works of the treasury division.

-loan administration unit (LAU) deals with the processing of the corporate banking division.

Finance, Administration and Risk ManagementThis support department performs the following activities

-administration, audit and back office operation.

-taking care of taxation and financial control of the bank.

-keeping track of overall credit operation.

Information technology centerThis department is instrumental in the running of all the computerized operations of the bank. They help in the implementation and generate of computerized reports another major duty of the department is to maintain communication with the rest of the world.

Human resource department

This department manages recruitment, training and career progression plan. Standard charted bank highlights the importance of developing its people to create a culture of customer service, innovation, teamwork and professional excellence.

Legal and compliance

In the UK standard charted bank is regulated by the bank England, while in Bangladesh it is regulated by local banking laws and rules set by the ministry of finance and Bangladesh bank. the local restriction involves a license from Bangladesh bank to operate banking business in Bangladesh. Standard chartered bank complies by the rules and regulations seriously. it also encourages its staff to conform to an internal culture of ethical behavior and sensitive to the culture and religion of the country. there is an mandatory training on company code of conduct for all staff members. some of the key

areas that the legal and compliance department has to take care of are: any kind of legal issues, to advise the CEO regarding all matters and management on legal and regulatory issues, correspond regulatory compliance issues to MWSA regional head of compliance, and supervise internal control(e.g. internal audit).

External affairsThis department deals with advertising, public relations, promotions, partial marketing which involves disseminating new products and services to customers and above all ensuring service quality.

SCB uses information technology in almost every sphere of its day to day operations. Almost 100% of its banking operations are computerized and it has an excellent IT infrastructure. it has more investment in developing the IT set-up and installation then any other local bank in Bangladesh. all the branches of SCB does not have single banking software, but rather multiple software which costs millions of taka to develop and install. The ratio of user to PC is 1:1 in all the branches of the bank. they use the latest technology to the different departments to run their operations smoothly. There are 45 IT experts implode in the different branches of SCB. The exact amount of the SCB investment in IT could not be found, because it is highly confidential, but heard that they invested 60% of their total investment in the IT sector to achieve a high-tech information system and establish an efficient IT infrastructure, in almost all the branches of SCB.

Indeed, the productivity of SCB has increased tremendously by means of IS and this way this bank is one of the topmost bank in Bangladesh at present.

Blackberry wireless solution (in 2008)

SCB is one of the first enterprises in Bangladesh that opted for the blackberry solution under grameenphone business solutions division. Standard chartered employees now have wireless access to important business information, enabling them to become even more productive and make valuable use of their time out of the office.leveraging the proven and robust capabilities of the blackberry solution, employees can now have access to corporate email, phone, organizer, Internet and other applications from their blackberry smart phones through the blackberry enterprise server software. Blackberry enterprise server tightly integrates with the banks corporate Microsoft exchange server and works with existing enterprise systems to enable secure, push-based wireless access to email and other corporate data.

Microsoft windows server system the (installed in 2006)

SCB has and instant messaging (IM) solution to enable real-time communication and collaboration among its hundreds of traders worldwide. it rejected a Linux-based solution because of the uncertainty of support, and a solution based on Solaris and oracle because of its hi cost. Instead, it got both the performance and the price it wanted from the paranoia mind align enterprise messaging application running on Microsoft windows server system server infrastructure software. by responding faster to market opportunities, the bank has increased revenues by five percent and productivity is up as much as 500 percent in some regions

SAS data warehousing (installed in 2006)

If a firm operates in a region as diverse as Asia, and in an industry as competitive as financial services, understanding the customers is not just important, its essential developing in-depth customer knowledge is even harder in Asia due to the lack of public informations uses SAS data warehousing and analysis software which is a central part of the banks customer relationship management (CRM) strategy. AS biggest advantage is its flexibility. the headquarters of SCB faces different issues in different countries, and SAS can be applied to almost al of them. Whether credit scores in Singapore, customer retention in Hong Kong or acquisition modeling in India, AS helps get the answers.

Standards chart reds data warehouse structure has been in place for four years but has evolved over that time, both geographically and functionally. each country now has its own central repository from which data is pulled each week-in some cases each day into specific data marts for use by different departments, such as marketing and finance. AS software helps to automate much of this process. a data dictionary of all the information held in each data mart is also produced so that so that users can more easily carry out their analyses.

SAS IntrNet (installed in 2005)SAS/IntrNet is deployed to allow these managers to perform analyses at their desktops using a Web browser. A set of standard reports helps users quickly obtain the most important information. They can also create their own basic ad hoc reports and drill down into the data through an easy-to-use front end, without the need for an SAS programming skills.

SAS/MDDB Server software (installed in 2005)

A more recent addition to the system is AS/MDDB Server software, which gives the bank a multidimensional view of its data through advanced online analytical processing (OLAP). With OLAP, user can slice and dice the data according to requirements.

CB-Insight (e-Learning) (installed in 2004)

The CB-Insight is an interactive intranet based e-learning and self-assessment system for Standard Chartered Bank. The system is implemented for in-house

Staff assessment of the bank. The CB Insight System consists of the following functional units: Admin Module, Exam Scheduler, Learner Settings, Question-Answer Admin, Subject Setting, and MIS Reports.

Technology Involved: Operation System: Linux / UNIX / Apache Programming Language: Backend- My SQL, Front-End: PHP, Visual Basic.Network: WAN, Inter activeness: Yes

Locker Management System (installed in 2004)

Locker Management System is web based application software. The functional units are:

Locker Accounts Opening Information

Signature and Photograph Information

Customer Visiting Information

Locker repairing and Shifting Information

Over-due Charges Information

Accounts Closing & Vacant Information Technology Involved: Operating System: Any Operating System having Windows, Apache. Programming Language: Backed- My SQL, Front-End: JavaScript, PHP, HTML, Explorer 5.0 or Equivalent.

Network: WAN. Inter Activeness: Yes

Statement Delivery Tracking System (installed in 2004)

Statement Delivery Tracking System is web based application software. The functional units are:

Incorporation of Bank Data

Incorporate courier Feedback Data

Basic Searching options (Web Based)

Advanced Searching Option (Web based)

Mailing options to courier Service

Reporting Options

Configuration options.

Technology Involved: Operating System: Windows, Linux, Apache. Programming Language: Backend My SQL, Front-End: JavaScript, PHP, HTML, Explorer 5.0 or Equivalent. Network: WAN. Inter Activeness: Yes.

Asset Tracker (installed in 2003)

The functional units are:

User Information

Supplier Information

Asset Information

Material Receive

Asset Allocation

Repair & Maintenance Information

Reports

Technology Involved: Operating System: Operating System: Windows, Linux, Apache. Programming Language: Backend My SQL, Front-End: JavaScript, PHP, HTML, Explorer 5.0 or Equivalent.

Network: WAN. Inter Activeness: Yes

Corporate Banking

It has merchant banking operation in Bangladesh. They provide consultancy service and investment service to he client in syndicate. IS help to acquire accurate and timely information from required sources o make effective investment decision.

Information systems also help commercial banking which is their main operation. Daily transactions and updated information are passed through information system of he bank so that any one can access required information from information system. Information system also helps corporate customer to know te account information from an branch.

Information system also helps the institutional banking. Every institution has financial transaction with firm A/C, salary A/C for employee, etc. information system helps to do all the complex thins in unified system.

Information System gives the corporate banking operation of Standard Chartered Bank to operate all the operation in easier way for customer, management and owner.

Consumer Banking

The maximum number of customer is taking consumer banking service. So he needs to handle huge pressure to operate all the operation but information system helps to do the work in easier way. Only one bank officer is allowed to solve all the problems of one customer which is not available in many other banks.

By entering the account no single click will show all the required information of a client including personal and financial information.

Because of information system daily transaction is adjusted automatically and gives signal if any deficit amount should fulfilled immediately.

Information system helps to reduce he cue problem hat is commonly faced by many banks. It reduces the time to complete the work of both employee and customer. That means it increases the satisfaction of the customer.

When the bank needs to find out any defaulter or need to find out an bugle ring activated, then they take the help from information system

Correspondent Banking

In corresponding banking inter bank transaction is the most important task done by the company. Transaction with other banks is supported by IS.

IS helps to store data storage facilities from which the can access and find out any necessary information when required. When they need to know the risk exposure of any investment, then IS helps to take the right decision.

IS helps to transfer money and information from one place to another and share the latest information among all the branches so that none of he parties faces any sort of problem during operation

Phone Banking It is the most recent service of the bank. Because of information system any fund transfer over phone call is automatically updated and the client gets the proper service from the bank.

IS has also initiated ATM service which has cost of operation of the bank.

SCBs 1- Banking offers instant access to a wide range of on line banking service and the latest promotion. 1-Bankin is a simple, hassle-free and secured internet banking service to SCBs customers. Moreover he Bills Pay Center is an automated service that is designed to ease the customers bill payment problem. Customers can stop by those centers and use machines at any time of the day or night to make bill payments which is absolutely free of charge.

An Automated teller Machine (ATM) of SCBAn Automated teller Machine (ATM) allows customers o perform banking transactions anywhere and at any time. By using a debit or ATM card or the E-cash ATM card at an Automated teller Machine (ATM), individuals can withdraw cash from current accounts (sometimes from saving accounts also). They can have a balance enquiry and can easily pay the Utility bills by using this card. Again a person can also get cash advances using a credit card at an ATM. To deposit money in the standing account is also possible with ATM.

SCB is one of the pioneer commercial banks in Bangladesh that started to install computer based MIS for its operation. It updates its information systems over the period to take the most effective advantages of technology. Through its MIS with recent technology, SCB significantly magnifies its operational efficiency that strengthens its competitive position in the banking industry.

MIS of SCB provides two fold supports to its customers and employees. Customers of SCB get great facilities from the highly flexible Information Systems. On the other hand, employees of SCB are tremendously facilitated by sharing required information in time with assistance of updated MIS. Table 1 summarizes MIS of SCB comprising its different dimensions which has been attached to the appendix.

The modern computer based management information system of SCB significantly contributes to its tremendous business performance ensuring real time communication in every step of its operation. As a result, SCB, a successful multinational bank operating in Bangladesh, continues to find new and better ways to put technology to its operation and customers best use. Moreover, it manages the business risks associated with its technology and investments properly.

So the findings of the study can be a good lesson for the local banks and other financial institutions to adopt and manage the modern Computer based management information systems (CBMIS).

Acronym: SCB= Standard Chartered Bank

ATM= Automated teller machine

SQL= Structured Query Language

SAS= Serial Attached SCSI

MDDB= Multi Dimensional Data Base

CBMS=Computer Based Management Information System

Reference:

Boersma and Stegwee (1996), Exploring the issues in knowledge management, in Information Technology Management in Europe. Proceedings of the 1996 Information Resources Management Association International conference, Idea Group Publishing, Harrisburg, pa, pp.217-222.

Boland, R.J. and R.A. jirschheim (1987), Critical Issues in Information systems Research, New York: John Wiley & Sons, 1987.

Husain, S.D. and M.A. Islam (1999), Additive Assumption in MIS performance model: an empirical study of Banks and Financial Institutes of Bangladesh, Dhaka University journal of Business Studies, Vol.20(2), 1-18, 1999

Flynn, D.J (1992), Information Systems Requirements: Determination and Analysis, London: McGraw-Hill Book Company.

Laudon, K. C. and J. P. Laudon (2003), Management Information Systems- Managing the Digital firm, eight edition, New jersey: prentice-Hall, Inc.

Lungu, I. and A. Bara (2005), Tuning SQL queries for Better Performance in Management Information Systems using Large Set of Data available at: http://ssrn.com/abstract=969687 Gold finger, C. (2007), European Electronic Banking Review, available at:

http://www.gefma.com/Articles/Euromoney%20European%20Elec%20Banking%20article.

IT in Banks-Emerging Trend (2007) available at:

http://www.icfaiuniversitypress.org/Books/ITinBanks_ov.asp

The above information source provides the detail and enough secondary sources of information which may be used for further study on such field. This secondary sources provides us appropriate and necessary information which are relevant with our study.

So this reference will also help others to go for further research on the role of Management Information System in case for the development of and organization and will also work as vital sources of information too.

Appendices

Table 1: Summary of MIS of SCBIndicatorsDescription

Name of the current softwareMultiple hi-tech software, such as SAS, MDDB SERVER etc.

Developer CompanyUK based and USA based companies

Date of first software installationSince the launching of the bank in Dhaka

Nature of the current softwareMicrosoft Windows Server System

Range of activities supported by the software All current banking functions with different modules for each.

The modules are the latest and high technology driven.

Client solutions and Risk Management Hedging solutions against adverse market movements

Advice on efficient hedging policy

Access to onshore markets through global network

Offshore banking unit: a unique system in the local market

Structured products to match customers needs

Local currency and Fey loan syndications

Corporate Advisory Services

Inter branch connectivityWide are network and connected among all the branches throughout the world.

Plans for the futureHighly confidential

Competitive AdvantageHighly flexible

The bank is Using the IS very efficiently and increasing its profitability, but still there are many things that should be improved. With increase technology the bank should made its IT up-to-date for providing best services to their customers and attracting more customers and increasing its productivity.

The security of this system should be made.

Credit card system should be improved providing the unique facilities to their customers which other banks have yet not introduce.

Building systems by assembling and integrating existing software components. Employee and management education: Ensure that you understand how much training is required Account for the costs and benefits: Develop an accounting system for information services firm- wide.

Head of Product Development & Marketing Services

Head of Banking Products

Head of Consumer Banking Bangladesh

Manager BFS

Control & MIS Manager

Head of Distribution & Priority Banking

Head of Cards

Manager SQ & MIS

Support Executive

Local

Multinational

Merchant

Institutional

Commercial

Quasi Govt.

Treasury

Business/ Corporate

Banking

Services:

Operation of Accounts over Phone

Services:

Inter Banking

Services:

Personal Banking

Consumer Finance

Credit Cards

Services:

Merchant Banking

Commercial Banking

Quasi Government banking

Corresponding banking

Institutional Banking

Consumer Banking

Corporate Banking

Phone Banking

CorrespondingBanking

Banking Services of Standard Chartered Bank

Head of GSAM

Chief Operating Officer

Head of Information Technology

Head of External Affairs

Head of Human Resource Dept

Head of finance & Admin.

Senior Credit Officer

Head of Legal & Compliance

Head of consumer Banking

Head of Corporate and Institutions

Head of Institutional Banking

Head of Treasury

Support Manager to CEO

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