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Standard Chartered Bank started its business in Bangladesh in 1948, opening its first branch in the

port city of Chittagong. The Bank increasingly invested in people, technology and premises as its
business grew in relation to the country's thriving economy.

Standard Chartered offers premium retail banking services to individual customers


with a large variety of deposit and loan products. Our Consumer Banking business
continuously meets the challenges of developing new products and services to match the
specific requirements of customers.

1.0 To offer our customers a greater banking convenience, we have introduced many modern
banking facilities that include:

 Evening Banking (First in Bangladesh).

 Largest 24-hour ATM Network.

 VISA Debit Card.

 State-of-the-art 24-hour Call Centre.

 Internet Banking (First in Bangladesh).

 e-Statements.

 SMS Banking (First in Bangladesh).

 Auto Bills Pay Service.

 24-hour Bills Pay Service.

1.1 Online Banking:

What does iBanking offer?


iBanking offers the following range of online services. Which makes your banking accessible
anytime and from anywhere?

 Account Services
View your account information, download and print your account statement, request a
cheque book, request an account statement by mail and ascertain the status of chaques
you have issued.
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 Fund transfers
Transfer funds between your own accounts. You can also set-up standing orders to
make the fund transfer process simpler and save time.
 Payments
Make your credit card payments from your Standard Chartered Bank account.

 Card services
With iBanking you can view your complete Credit Card details. You can view your
Credit Card statement, determine the minimum amount due, request for a credit limit
increase and even make an online card payment.
 Personal update
Change your password as and when you want to.

State-of-the-art 24-Hour Call Centre


Just connect to our 24-Hour Call Centre and satisfy your banking needs anytime of a day - a
real convenience at your fingertips. Check your account balance or inquire about your last
transactions, transfer funds, pay your utility bills or even talk to one of our agents for any
query that you might have. Our agents are available round the clock on 365 days to offer
assistance for you.
You can now avail the convenience of VISA Debit Card. It is the easiest and the most
secured way of utilizing your money for retail purchases as well as paying the utility bills.

1.2 SMS Banking


 SMS Banking and e-Statements
Through our SMS banking and e-statement facility, you have privilege to access your account
from anyplace, anytime.

 SMS Banking and e-Statements


Through our SMS banking and e-statement facility, you have privilege to access your account
from anyplace, anytime.

 Paying your Bills is as easy as pressing a button


Our auto bills pay service or round the clock open bills pay centre offer you the ease of utility
bill payment at your convenience. (Currently for selected service providers)

1.3 Evening Banking Benefits:

 Evening Banking with withdrawals as well as deposits and extended banking hours (6
p.m. to 8 p.m.) facility at selected branches (Gulshan, Dhanmondi? Rd. 2 & 5, Uttara)
in Dhaka and (Nasirabad) in Chittagong.
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 Standing order instruction
 Transfer funds between Standard Chartered branches in Bangladesh instantaneously
 Locker services (Subject to availability)

1.4 Phone Banking Service:

Standard Chartered Bank is the first bank in the country to offer automated 24-hour Phone
banking service. Our phone banking services include….

 balance enquiry,
 fund transfer,
 change of TIN,
 chequebook request,
 statement request,
 foreign currency exchange rate etc.,

Which are available through telephones from the comfort of home, office or car?

Other services available during the working hours include…

 Account opening information,


 Remittance query,
 Stop payment instruction,
 Request for draft, renewal of fixed deposit, change of address etc.

Phone link service is offered to all customers free of charge

1.5 ABOUT CHARGES

We are entitled:

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 To charge you fees and charges for the Service; and
 To change those fees and charges from time to time
by giving you at least 30 days notice. If we give you such a notice, you will not have
to pay any proposed increase so long as you cancel your use of the Service during the
30 day notice period. However, your continued use of the Service after the 30 day
notice period shall be conclusively deemed to be your acceptance of such changed
fees and charges.
 The charge for debit card is tk.600+VAT annually.

BRAC Bank Limited, with institutional shareholdings by BRAC, International Finance


Corporation (IFC) and Shore cap International, has been the fastest growing Bank in 2004
and 2005. The Bank operates under a "double bottom line" agenda where profit and social
responsibility go hand in hand as it strives towards a poverty-free, enlightened Bangladesh.

We have introduced many modern banking facilities that include…….

2.0 They Provide:

 ATM

 Cash Deposit Machine

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 BRAC Bank Direct Internet Banking

 Phone Banking.

 SMS Banking.

 Evening Banking.

2.1 SMS Banking (Bank in your Hand)………

 Instant Account Balance

 Mini Statement

 Easy to use

 Fixed deposit Maturity Alarm

 High Value Transaction Alert

2.2 BRAC Bank Direct Internet Banking (Single Click Banking)……..

 Balance Inquiry.

 Account Statement.

 Loan Information.

 Lost Card Reporting.

 Own Account Fund Transfer.

2.3 Phone Banking (Just a call does it all)……

 Account Related Information.

 Balance Inquiry.

 Transaction Details.

 Product Information.

 ATM Card & Cheque Book Services.

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Only Bank account holder can get all this service

2.4 Evening Banking

In Evening Banking they just provide only cash transaction. The main purpose of the Evening
Banking is to hold the customer & provide efficient services to the client. They started their Evening
Banking in September 2006. They are in 2nd position in phone Banking. Evening Banking is not
available in Mitijheel & Rampura Branch.

2.5 Service Charge

 Service charge of Internet Banking is annually tk. 200+VAT.

 The charge for their Debit Card (ATM Card) is tk.400+490 annually.

2.6 Achievements

» Fastest growing bank in the country for the last two years
» Leader in SME financing through 350 offices
» Biggest suit of personal banking & SME products
» Large ATMs (Automated Teller Machine) & POS (Point of Sales) network

» They are in 2nd position in phone Banking.

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Wherever, whenever always stay with your Bank you can always access your Dhaka Bank
accounts through internet & SMS Banking services. Now experience the new height of
excellence in Banking.

3.0 Dhaka Bank introduces Internet & SMS Banking

Dhaka Bank has again landed its mark in Modern Banking arena by Introducing Internet &
SMS Banking to add to its wide range of other Banking products.

3.1 Eligibility of the Applicants:

All accountholders of Dhaka Bank are eligible to apply for Internet & SMS Banking

3.2 Special Features:

You can enjoy a wide array of services through Internet & SMS Banking. Following are the
glimpses of the facilities:

3.3 Through SMS Banking:

 Access your account information any time from any where.

 Request for your cheque book and account statement.

 Make cheque status enquiry.

 Place stop-cheque instruction.

 Make utility bill payment.

3.4 Through Internet Banking:


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 Access your account
information any time from any
where.

 Fund Transfer.

 Make utility bill payment.

 Open & close term deposit.

 Request for cheque book & account statements.

 Place stop-cheque instruction.

 Make loan repayment.

 Inquire interest and foreign currency rates & many more….

3.5 Charge for SMS, Online, Debit Card:

 The charge for Internet Banking is tk. 1000+VAT annually.

 The charge for Debit card (ATM Card) is tk. 550 including VAT

 No service charge for SMS banking

The Hongkong and Shanghai Banking Corporation (HSBC) Ltd. The HSBC Group, one of the world's
largest banking and financial services organizations, had its beginnings in Asia more than 130 years
ago. The Group has some 9,500 offices in 79 countries and territories in Europe, the Asia-Pacific
region, the Americas, the Middle East and Africa.

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Connect and take control
Phonebanking is our 24-hour
automated telephone banking
service. With this fast,
convenient and secure service, your banking is just a phone call away.

4.1 By using our Phonebanking service, you can

 Check the balances on your primary and linked accounts;

 Transfer money between your accounts;

 Hear details of your last five transactions.

 Order statements;

 Order cheque books;

 Pay bills to pre-designated third parties in local currency;

 Enquire about time deposit interest rates*;

 Open or renew a time deposit;

 Report about stolen or lost ATM card;

 Enquire about foreign exchange rate;

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This service is only available on Dhanmondi & Gulshan Branch. Any of the accountholders
of the HSBC can take this service from that particular branch.

4.2 Online Banking:

Online service is available there but no accountholder can’t able to transect through the
Internet.

4.3 Charge:

• The minimum denomination for opening bank account is tk. 50,000.

• If the below 50,000 then the service charge will tk. 402.5.

• No service charge for taking Online Banking

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Dutch-Bangla Bank believes in its uncompromising commitment to fulfill its customer needs
and satisfaction and to become their first choice in banking. Taking cue from its pool
esteemed clientele, Dutch-Bangla Bank intends to pave the way for a new era in banking that
upholds and epitomizes its vaunted Marques "Your Trusted Partner".

..........Internet Banking

5.1 Security with Internet Banking

 DBBL Data Center is equipped with world’s number ‘one’ networking equipment
from CISCO, such as switch, router and PIX firewall. The internet user will only be
able to access the Internet Banking if he is allowed by two firewalls- such as Check
Point Firewall and CISCO Firewall. These firewalls will only allow the http and https
traffic.
 DBBL’s Internet Banking web server is certified by 128 bit data encryption SSL
(Secure Socket Layer) server certificates issued by VeriSign. Inc, USA. So when a
customer hits our web site, the web browser automatically checks that the certificate
of the server and the public ID are valid. Then his request will be executed with high
level encryption.
 Login ID of internet banking is mapped with the Customer ID, so there is no change
to get other account with his Login ID.
 Transaction Limit has been set with each Login ID. So customer can do daily certain
amount of transaction which has been specified in the account product.
 Customer’s Login ID of the Internet Banking and his password will be printed in
security PIN mailer and sent to the customer, so that he could only access his account
with proper authentication.

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5.2 Internet Banking Features

The following are the Internet Banking Features for DBBL’s Retail and Corporate
Customers:

 Account Summary

The Customer will be able to view the list of Current, Saving, Term Deposit and Loan
accounts with the current balance.

 Account Details

The Customer can choose a particular account and see the account details including
unclear fund, limit, interest accrued etc.

 Account Activity

The customer can see or print his transaction activity in a given account for a
particular period.

 Transfer Funds

The customer can transfer funds from one of his accounts to another of his accounts
within the bank.

 Third Party Transfer *

The customer can transfer funds from one of his accounts to another customer’s
account within the bank.

 Pay Bills

The customer can pay his utility bill (like Electricity, WASA, GAS, Telephone,
Mobile, ISP etc.)

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 Standing Instructions

The customer can setup, modify or delete standing instructions for transferring fund
from one of his account to another account (his account or 3rd party).

 Open/Modify Term Deposit

The customer can open a term deposit by transferring funds from one of his current or
savings accounts with the bank. He can also modify the TD and redeem / part-redeem
it.

 Loan Repayments

The customer can make payment of the loan installment from his CASA account.

 Statement Request

The customer can make a request for account statement for a required period. The
bank will manually service this request.

 Cheque Book Request

The customer can make a request for a Cheque book.

 Cheque Status Inquiry

The customer can choose an account and enter the Cheque number for which the
status should be viewed.

 Stop Payment Cheque

The customer can mark his Cheque leaf as stop payment

 Interest Rate Inquiry

The customer can query on the interest rates on CASA & Term Deposit Products.

 Foreign Exchange Rate Inquiry

The customer can query on the Foreign Exchange (FX) Rates using this function.

 Refill Pre-Paid Card

The customer can buy a refill number for his pre-paid mobile phone or ISP link.

 Change Password

The customer can change his Internet Banking Password using this function.
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5.3 CHARGES
 Charges are subjected to change from time to time at DBBL’s discretion.
 DBBL reserves the right to change and recover from the User relevant service
charges, as may be fixed time to time. The User hereby authorizes DBBL to recover
such charges from his/her account(s).
 The charge for Debit card is annually tk. 200+VAT.
 Online Banking Charge is annually tk.400+VAT

6.1 Online Banking:

EBL Internet Banking application addresses the needs of small, individual


and corporate account holders of the Bank. This application provides a
comprehensive range of Banking services that enable the customer to meet
most of their Banking requirements over the Net.

6.2 List of Transaction:

1. Account Operations and Inquiries


2. Fund Transfers and Payments
3. Utility Bill Payment
4. Deposits
5. Loans
6. Inquiries and other services
7. Session Summary

ADVANTAGES

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Advantages of SMS Banking

 Access your account information any time from any where.

 Request for your cheque book and account statement.

 Make cheque status enquiry.

 Place stop-cheque instruction.

 Make utility bill payment.

 Fixed deposit Maturity Alarm

 High Value Transaction Alert

Advantages of Online Banking

 Access your account information any time from any where.

 Fund Transfer.

 Make utility bill payment.

 Open & close term deposit.

 Request for cheque book & account statements.

 Place stop-cheque instruction.

 Make loan repayment.

 Inquire interest and foreign currency rates & many more….

Advantages of Phone Banking

 Check the balances on your primary and linked accounts;

 Transfer money between your accounts;

 Hear details of your last five transactions.

 Order statements;

 Order cheque books;

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 Pay bills to pre-designated third parties in local currency;

 Enquire about time deposit interest rates*;

 Open or renew a time deposit;

 Report about stolen or lost ATM card;

 Enquire about foreign exchange rate;

The advantage of SMS, Phone, Online & Evening Banking is more or less same in every
bank. But their service charge is different. In every bank there is no service charge for SMS
banking.

7.0 Comparison among the charges of Debit Card & Online banking:

1200

1000

800

600 ONLINE CHARGE


DEBIT CARD CHARGE
400

200

0
HSBC SCB BRAC DBBL DHAKA

8.0 Recommendation:
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 The service is not costly for the customer as well as for the Bank.

 Phone & SMS service is most popular

 Evening Banking service is available only in localized place in Bangladesh.

 Which Bank’s are most popular bank in our country, they need to expand their
service.

 The average earnings of Bangladeshi peoples are low. For that reason most people are
not afford to pay their service charge.

 They need to increase their ATM branch.

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