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BACKGROUNG AND IN TRODUTION:
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
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.
MIS of Standard
Chartered
http://en.wikipedia.org/wiki/Standard_Bank_of_South_Africahttp://en.wikipedia.org/wiki/Chartered_Bank_of_India%2C_Australia_and_Chinahttp://en.wikipedia.org/wiki/Chartered_Bank_of_India%2C_Australia_and_Chinahttp://en.wikipedia.org/wiki/Singaporehttp://en.wikipedia.org/wiki/Pakistanhttp://en.wikipedia.org/wiki/Chartered_Bank_of_India%2C_Australia_and_Chinahttp://en.wikipedia.org/wiki/Chartered_Bank_of_India%2C_Australia_and_Chinahttp://en.wikipedia.org/wiki/Singaporehttp://en.wikipedia.org/wiki/Pakistanhttp://en.wikipedia.org/wiki/Standard_Bank_of_South_Africa -
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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
December2006, 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.
MIS of Standard
Chartered
http://en.wikipedia.org/wiki/1863http://en.wikipedia.org/wiki/Chartered_Bank_of_India%2C_Australia_and_Chinahttp://en.wikipedia.org/wiki/Chartered_Bank_of_India%2C_Australia_and_Chinahttp://en.wikipedia.org/wiki/Karachihttp://en.wikipedia.org/wiki/2006http://en.wikipedia.org/wiki/Standard_Chartered_Bankhttp://en.wikipedia.org/wiki/Union_Bankhttp://en.wikipedia.org/wiki/December_30http://en.wikipedia.org/wiki/December_30http://en.wikipedia.org/wiki/2006http://en.wikipedia.org/wiki/1863http://en.wikipedia.org/wiki/Chartered_Bank_of_India%2C_Australia_and_Chinahttp://en.wikipedia.org/wiki/Chartered_Bank_of_India%2C_Australia_and_Chinahttp://en.wikipedia.org/wiki/Karachihttp://en.wikipedia.org/wiki/2006http://en.wikipedia.org/wiki/Standard_Chartered_Bankhttp://en.wikipedia.org/wiki/Union_Bankhttp://en.wikipedia.org/wiki/December_30http://en.wikipedia.org/wiki/December_30http://en.wikipedia.org/wiki/2006 -
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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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Chartered
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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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Chartered
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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 anextensive 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 qualityproducts which suit their best.
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Chartered
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Chartered
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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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Chartered
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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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Chartered
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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 andreliable. 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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Chartered
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Information Structure :
This is confidential knowledge that the bank is using people soft, virses,
EBBS (electronic business banking software) softwares, 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 softwares is used for the functioning of our information system
and organization;
Application Software:
Following application softwares are used in our organization and
functioning of our information system.
o People Soft.
o EBBS (SCB banking system).
o Microsoft Office.
o NOD32 Anti-Virus.
o SQL based data base, SAP and ORACLE at backend.
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Chartered
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o Symantec security system.
o Adobe Reader.
System Software:
Following application softwares are used in our organization and
functioning of our information system;
o Operating System (Windows XP and Linux) for PCs.
o Windows 2003 server for mainframes.
Hardware Resources:
Following hardware resources are required for the functionality of IS and
organization:
o Personal Computers.
o Canon Document Scanners.
o HP Printers.
o Networking Cards.
o Currency Counter.
o Coin Counters.
o HP Digital Scanners.
o IBM Mainframes.
o Dell & HP PCs.
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
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Chartered
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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
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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Chartered
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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
mysqldatabase 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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Chartered
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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 isin 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.
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Chartered
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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.
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 mysqlDatabase 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.
The Web Engineering Process Model
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Chartered
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Security Aspect:
One of the major parts of the proposed software is the security option. As the
proposed software is a web based three tire architecture model so the security is the
vital option for the proposed software. There are millions of hackers snifters and
Trojans who always try to break the code in each and every second. So most
important part of this proposed software is when the customer wants to access/gave
private information from/to the web it will vulnerable in any circumstances. So to
make transaction secured; one should use SSL enable server or 128 semantic key
encryption method. Whenever the user gives any private information in the web we
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Chartered
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will connect through a SSL enable server. Here the URL address will be HTTPS
instead of HTTP.
Standard Chartered line-of-business environment was built-upon different
platforms, which include UNIX, Microsoft Windows NT 4.0, Microsoft SQL
Server 2000 and Microsoft Office applications, with Lotus Notes used for email.
The bank had been engaged in an evolutionary process that involved the gradual
replacement of its Windows NT Servers and clients with Microsoft Windows 2000.
Symantec solution provides
A complete view of application performance by capturing, measuring, and
correlating performance metrics from all critical system components.
When problems are detected, Symantec helps pinpoint the cause, identify the
most effective course of action, and quickly solve the problem to restore peak
performance.
Features:
1. Captures, measures, and correlates performance metrics from each
supporting tier of your PeopleSoft applications infrastructure (web server,
application server, database, and storage).
2. Builds a clear picture of the entire PeopleSoft application from the end-user
perspective.
3. Performance warehouse stores performance metrics for historical and long-
term trending analysis, promoting intelligent and confident decision making
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Chartered
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Benefits:
1. Optimize end-user response time and improve overall Quality of Service by
finding the definitive root cause of performance degradation in minutes.
2. Reduce the implementation time of your PeopleSoft upgrade projects
3. Resolve problems faster using the expert advice of Smart Tune and eliminate
finger-pointing through a holistic view of application performance.
Metro Ethernet:
12 May 2008, Kuala Lumpur Standard Chartered Bank will spend US$3.6
million over the next four years to enhance IT network infrastructure across 40 sites
in its Malaysian branch network.
The new and more resilient Metro-Ethernet (Metro-E) network, which
delivers cost effective, high speed connectivity for WAN applications & services,
will rise capacity ranging from 256K and 512K to 2MB for all Standard Chartered
Bank (SCB) branches, as well as a total of 160MB of aggregated capacity for two
designated network hub sites.
With Metro-E, Standard Chartered will be able to provide our
customers with even more efficient services and better products, said Arif
Siddiqui, CIO, SCB Malaysia. The Bank will be able to roll-out bandwidth
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Chartered
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intensive new applications and services like e-Kiosks, e-Branch enhancements
and Rapid Cash transactions.
Standard Chartered Bank Malaysia expects the Metro-E upgrade to becompleted by 2008. The previous infrastructure supported legacy financial
transactions and ran on COINS Frame Relay with ISDN back-up. The new Metro-E
technology has already been successfully implemented in the Standard Chartered
Banks Singapore and Hong Kong branch environments.
International Software Centre Malaysia (ISCM). The other global
shared service centre is located in Chennai, India.
Entity Relation Diagram:
The entity relation diagram focuses solely on data, representing a data
network that exists for a given system.
The entity relationship diagram of the proposed Web Application of StandardChartered Bank i-banking is shown below.
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Chartered
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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:
MIS of Standard
Chartered
http://en.wikipedia.org/wiki/Management_information_systemhttp://en.wikipedia.org/wiki/Transactionhttp://en.wikipedia.org/wiki/Datahttp://en.wikipedia.org/wiki/Management_information_systemhttp://en.wikipedia.org/wiki/Transactionhttp://en.wikipedia.org/wiki/Data -
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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
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 employees 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 employees 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).
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Chartered
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Customer Identification
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.
MIS of Standard
Chartered
Employee Data
GeneralLedger
Payroll TPSPeople Soft
PayrollMaster File
(HUB)
Management Reports
CheckPasses
byManager
CheckIssued toEmployee
GeneralLedger
Input(ID #) Virses
Management
HUB
NADRA
(Customeridentification)
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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.
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.
MIS of Standard
Chartered
Employee JobLogin Biometric Device
& LN
HUB
EmployeeJob
Logout
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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.
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
MIS of Standard
Chartered
NewTransactions,
Updates LN
HUB
Updated
Customer Queries
CustomerService TPSPeopleSoftSoftware
IdentifyProble
m
Send toConcerned Dept.
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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.
Account Opening
This TPS is designed for opening a new account in the bank.
Input: Give bio data, NIC no., income, city name.
Process: Information sends to the virses.
Output: new account opened in the bank.
MIS of Standard
Chartered
Account
AlertManagement
HUB Advices Sendto Customer
(PeopleSoftSoftware)Customer
Service TPS
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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.
MIS of Standard
Chartered
Applicant Identification
Virses
A/CDept.
(PeopleSoftSoftware)CustomerService TPS
HUB
NewA/COpened
Customer
CustomerService TPS
HUB
A/CDept
Fund
Transferto
Concerned Branch
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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.
Car Financing:
Purpose: Leasing a new car.
Input: Account title, down payment amount.Process: The information is send to the HUB and verifies the account of
customer and makes the
MIS of Standard
Chartered
Applicant
Identification
Virses
A/CDept.
CustomerService TPS(PeopleSoftSoftware)
HUB
New A/COpened
ATMIssued
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Schedule:for leasing for the given period of time.
Output: Customer can get a new car.
MANAGEMENT INFORMATION SYSTEM
Relationship of MIS with TPS:
MIS reports and summarizes the organizations basic operations and thesereports come from the basic transition processing systems. In case of our
organization the TPSs of ATM Cards, Payroll and Customer identification etc.
provide the basic information about the organizations 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.
MIS of Standard
Chartered
Applicant
Identification
A/C,Financ
eDept.
CustomerServiceManagers
HUB
Issuance
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Transaction processing system Management Information system
MIS FILESPayroll MasterFile
Payroll DataC.I info MasterFile
Customer Data
EmployeesInfo Master File
Employees Data
CustomerAccount MasterFile Customer DataCustomerQueries Master Customer Complain DataFile
Customer ATMMaster Files Customer Account Data
Customer AdviceMaster FileAdvices Data
Online CustomerMaster Files Customer Data
Customer Finance Customer DataMaster Files
MIS of Standard
Chartered
Payroll TPS
CustomerIdentificationTPS
Advices TPS
OnlineActivity TPS
CarFinancingTPS
MIS
(EBBS)
EmployeeRecord TPS
Real TimeBanking TPS
CustomerService TPS
ATM CardsTPS
CarFinancingTPS
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MANAGERS
ATM Transaction Process:
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Chartered
Reports
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MIS of Standard
Chartered
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MIS of Standard
Chartered
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Transaction Flow Chart:
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Chartered
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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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Chartered
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S uggestion:
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.
2. The security of these systems should be made.
3. Credit cards system should be improved providing the unique
facilities to their customers which the other banks have not yet
introduce.
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Chartered
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THE END
MIS of Standard
Chartered