WELCOME TO OUR

PRESENTATION

Electronic Banking of Standard Chartered Bank Bangladesh Limited

Our Presentation on

PREPARED FOR…

Md. Sajib HossainLecturer Department of FinanceUniversity of Dhaka

Prepared By..

Name Roll No.

Rajon Saha 16-158

Standard Chartered Bank

Started operations in 1948

26 branches across the country

consist of two divisions, Consumer

Banking Division and Corporate Banking

Division

Follows a hierarchical pattern

of command

Use BEFTN ( network system)

Debit card is used to pay for purchase

more than 3000 merchants

Online Banking

Instant Fund transfer from Standard Chartered account to Standard Chartered account (Daily transfer limit: BDT 5 lacs)

Fund transfer from Standard Chartered account to any BEFTN member bank account. (Daily transfer limit: BDT 5

lacs)

Online Bill Payment for Standard Chartered Credit Card, Mobile Phones (Internet Service Providers and Insurance Premium (Metlife

Alico)

Placing instruction for a regular transfer of fund from customers account at customers preferred

frequency.

Place chequebook

request.

Download Statement of

customers Standard Chartered account

SMS Banking

SMS alert on financial transactions (ATM

withdrawal: BDT 20K+ | POS: BDT 3K+ | Branch

withdrawal: BDT 100K+ | Deposits Machine: Any

amount)

SMS alert on Salary deposit in its Employee

Banking account.

Knowing account information whenever

customers want by sending SMS

ATM

90 ATMS in key locations in major cities

Fund transfer from Standard Chartered account to Standard Chartered account

(Daily transfer limit: BDT 5 lac.)

Bill payment for Standard Chartered Credit Card

Cash advance from Credit Cards

Cash withdrawals.

Customer Segment Cash withdrawal Limit / Day

Personal Banking BDT 100,000

Preferred Banking BDT 150,000

Priority Banking BDT 200,000

SME Banking BDT 150,000

Deposit Machine

40  Deposit Machine  in key locations in major cities

Bill payment for Standard Chartered Credit Card

Cash Deposit to Standard Chartered Account

Fund transfer instruction  Standard

Chartered

account to

Standard

Chartered

account

DESCO and BTCL bill payment

 Financial Kiosk

Account OpeningDebit Card RequestCheque Book RequestCash Withdrawal & DepositCheque DepositBill PaymentCertificate & Statement RequestAddress & Contact Number UpdateAccount / Transaction Related QueriesLoan InformationCredit Card Related QueriesDebit / Credit Card ReplacementOnline BankingPhone BankingRemote Banking Enrollment

E-Statement

It’s on time. It’s paperless. It supports Green Banking.

Enroll in eStatement for Credit Card and win 300 Reward Points. 

It’s secured and ensures customers financial confidentiality

Auto Billspay

Customer will subscribe once, and

will do the rest throughout the year

Standing Instruction for customer bills by

debiting Banking account or Credit Card

No more late payment charges, No queue for

bill payment

Partner Utility Companies

GrameenPhone Robi City Cell Airtel Banglalink Scholastica

DESA DESCO Dhaka Club Chittagong Club Bangla Lion Qubee

Contact Center

24X7 services

Get access by dialling 16233 through any Mobile

Phone and (88-02) 8957272 or (88-02)

8332272 from any land line.

Access IVR using Banking account number ,

Credit Card number or Debit Card number

Activate Card (Debit/Credit)

Self generated password for Debit Card

Enrolment of Online Banking , SMS ,

eStatement

Financial consultation and application processing for Credit Card or Personal

Loan.

Stop instruction: Cheque, Debit Card and Credit

Card

Reward point redemption.

Call Center performance

SCB make many things free for customer if they collect through call center. But many problems associated with call center performance. The main problem which is the basic criteria of the call center is availability of phone line.

The phone line is very much poor, sometimes branch employee cannot connect the phone line when branch people suggest them about then they directly ask can you please connect the no. and branch guys fail to connect. But over all whenever customers make complain or want something from call center they will get that very soon. That’s why customers are annoyed with availability of phone line not with services.

Customers

private service holder and businessmen

Uttara, Gulshan and Banani have major number of customers.

most of its customer belongs to higher or higher middle classes.

Plastic Cards of SCB

Types of Credit Card

BENEFITS

Exclusive Global Usage

Privileges

Instant Cash Advance

Wide acceptance

VISA Platinum

Credit Card:

VISA Signature

Credit Card:

MasterCard Platinum

Credit Card:

International Credit Card

MasterCard Silver Credit

Card:

VISA Silver Credit Card:

VISA Gold Credit Card:

MasterCard Gold Credit

Card:

Credit Card

Debit Card

Features

This Debit Card is

offered with all BDT

Savings and Current

Accounts

This card is valid only in Bangladesh.

The daily transaction limit is BDT 100,000

Prepaid Gift Card

Features•This Debit Card is offered with all BDT Savings and Current Accounts •This card is valid only in Bangladesh.•The daily transaction limit is as below:

Features•This Debit Card is offered with all BDT Savings and Current Accounts •This card is valid only in Bangladesh.•The daily transaction limit is as below:

Features•This Debit Card is offered with all BDT Savings and Current Accounts •This card is valid only in Bangladesh.•The daily transaction limit is as below:

Features•This Debit Card is offered with all BDT Savings and Current Accounts •This card is valid only in Bangladesh.•The daily transaction limit is as below:

Reporting Rules and Security

Exposure Limit

• daily limit for originated credit Entries will be the lesser of the Originator’s current balance.

Settlement

• The Originator will provide immediately available funds to offset any credit entries originated by it.

• The Originator will receive immediately available funds for any electronic debit entries initiated by it not later than the settlement date of the items

Security Procedure:

All originated files in excess of the following threshold will require a telephoneverification by Bank with an Originator Authorized Representative before the files

willbe released: Consumer BDT 5 lakh

SME BDT 50 lakh

Corporate BDT 1 crore

The authorized representative can delegate the authorization to any person of the company by providing his/their details in writing. Bank will call back the person authorized and will cross match the total amount and total number of transactions send through a particular batch.

Charges against the service provided

Account statement charge

• for holding statements is BDT 1150 per annum per account

• for Additional/ Duplicate statement (Per cycle) is BDT 500 per statement

• Photocopy of statements is Taka 1000.

ATM card charge

• annual fees are Taka 690 per card

• in case of damaged or lost card is Taka 600 per card.

• phone banking and internet banking and evening banking is absolutely free.

Cash and travelers cheque foreign

currency• For issuance of FCY

cash, customers need to pay 1% of the transaction plus Taka 200/= per passport.

• for issuance of Travelers cheque 1% of the transaction plus Taka 200/=.

• The charge for encashment is absolutely free in case of travelers cheque

maintaining Student file

• For customers, opening student file for SAARC countries, BDT 3500 per student, per annum plus Taka 500 per remittance

• for other countries is Taka 5000 per student file plus Taka 500 per remittance.

Conclusion

Transfers of money, export and import businesses, selling and purchasing - all are possible within a very short time without any moving through e-banking. Though there are some obstacles in the way of E-Banking, such as hackers, it is very popular all over the world wherever technological development has got maturity. In our country, all private commercial banks including our Central Bank or Bangladesh Bank and all nationalized banks are in the way of E-Banking today.

ANY QUERIES????