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 Standard Chartered Bank Management
System (SCBMS)

Course Title: Management Information System

(CSC-373)

Submitted To:
Mr. Saif-ur-Rehman

Submitted BY: CIIT-MIS-SP08-14

SAAD RIZWAN (Reg# 093)
AHSAN NAWAZ KHAN (Reg#060)
AZIB ZUBAIR (Reg#045)
ACKNOWLEDGMENTS:

We are thankful to almighty Allah who gave us the strength and potential to complete that task
which was assigned to us at the start of this semester, Then we are thankful to our MIS instructor
Mr. Saif-ur-rehman who’s kind behavior and guidance makes it easy to complete this task. And
we are also thankful to all of the managers and the subordinates of Standard Chartered bank who
guide us through out the project.
TABLE OF CONTENTS:

CH1: ORGANIZATION INTRODUCTION..........................................................................................5

BACKGROUNG AND INDRODUTION:.................................................................................................5

OVERVIEW:...............................................................................................................................................5
MAIN SERVICES:.....................................................................................................................................5
VISION AND MISSION:...........................................................................................................................6
AREAS OF BUSINESS:............................................................................................................................6
TOTAL OFFICES AT NATIONAL AND INTERNATIONAL LEVEL:............................................7
MAIN OBJECTIVES:................................................................................................................................7
INFORMATION SYSTEM IN STANDARD CHARTERED:...............................................................7
MANGEMENT OVERVIEW:..................................................................................................................8

CH3: ORGANIZATION COMPUTING RESOURCES:.......................................................................9

SOFTWARE RESOURCES:-...................................................................................................................................9
HARDWARE RESOURCES:-..................................................................................................................................9
COMPUTING TYPE:-..........................................................................................................................................9

CH5: ORGANIZATION TRANSACTION PROCESSING SYSTEM:..............................................10

TRANSACTION PROCESSING SYSTEM:................................................................................................................10

PAYROLL TPS................................................................................................................................................10
CUSTOMER IDENTIFICATION:............................................................................................................................11
EMPLOYEES RECORD :....................................................................................................................................11
REAL TIME BANKING:......................................................................................................................................12
ONLINE COMPLAINS:.......................................................................................................................................12
ADVICES:........................................................................................................................................................13
ACCOUNT OPENING.........................................................................................................................................13
ONLINE ACTIVITY...........................................................................................................................................14
ATM CARD...................................................................................................................................................14
CAR FINANCING..............................................................................................................................................15

CH6: MANAGEMENT INFORMATION SYATEM:..........................................................................16

RELATIONSHIP OF MIS WITH TPS:.................................................................................................................16

CH7: CONCLUSION AND FUTURE WORK:....................................................................................18

CONCLUSION...........................................................................................................................................18
SUGGESTION...........................................................................................................................................18
CH1: Organization Introduction
BACKGROUNG AND INDRODUTION:

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.

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 December 2006,
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, eStatements, SMS Banking, ATM Cards and VISA Debit Cards,
as well as Online Banking and state of the art branches.

Wholesale Banking:
Wholesale banking provides Transactional banking, Debt Capital Markets, Corporate Finance,
Derivatives & Fx 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.

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:

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 an extensive 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 quality products
which suit their best.

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 and reliable. Due to IS
employees can easily connect with other branches, customer service get 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.
 MANGEMENT OVERVIEW:

Organization management chart:

CEO

Executive Directors

Regional Regional Regional

Managers Managers Managers

Branch Branch Branch Branch Branch

Branch Managers Managers Managers Managers Managers
Managers

CH2:Business process model:

Administration and Management

R & D System
HRM
Secondary
Activities
Workforce Planning System
Technology Development

Computerized Ordering System

Organization
value Chain
Inbound Operations Outbound Sales Services
Primary Activities
logistics logistics
CH3: Organization computing resources:

Software Resources:-
Following software’s are used for the functioning of our information system and
organization;
o Application Software:-
Following application software’s are used in our organization and functioning of
our information system;
 Microsoft Office
 NOD32 Anti-Virus
 Adobe Reader

o System Software:-
Following application software’s are used in our organization and functioning of
our information system;
• Operating System (Windows XP and Linux) for PC’s.
• Windows 2003 server for mainframes.

Hardware Resources:-
Following hardware resources are required for the functionality of IS and
organization:
 Personal computers
 Canon Document Scanners
 HP Printers
 Networking cards
 Currency counter
 Coin counters
 HP Digital Scanners
 Dell Mainframes

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 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.

CH5: Organization transaction processing 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:
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 employee’s 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 employee’s 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).
 Employ
ee Data

Check
Managemen Passes
Payroll TPS t Reports by
Manage
General r
Ledger
L

Check
Issued to
Payroll Employee
Master File
(HUB)

General
Ledger
L

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.

Input
Virses HUB
(ID #)

NADRA
(customer Management
identification)

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.

Employe
e Job
Login Biometric Device
& LN
HUB

Employe
e Job
Logout

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.
New
Transactio
Update
ns, LN d
Updates

HUB

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 and after the problem identification it is send to the concerned department.
 Identif
Custome
Customer y
r
Service TPS Proble
Queries
m

Send to
Concern
ed Dept.

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 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.
Accou
nt Customer Manageme
Alert Service TPS nt

Advices
Send to
HUB Customer

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 send to the “virses”.
Output: new account opened in the bank.
 Virses

New
Applica Customer A/C
nt Identificatio Opene
Service TPS
n d

A/
C
De HUB
pt.

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.

Custom Customer A/C

er Service TPS Dept

Fund
Trnsfr
to
HUB Concern
ed
Branch

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.
 Virses

New
Applica Customer A/C
nt Identificatio Service Opene
n TPS d

A/
C ATM
De HUB Issued
pt.

Car Financing
Purpose: Leasing a new car.
Input: Account title, down payment amount.
Process: The information is send to the HUB and verify the account of customer and make the
schedule for leasing for the given period of time.
Output: Customer can get a new car.

HUB

Applica Customer Issuenc

nt Identificatio Service e
n Managers

A/C ,
Finan
ce
Dept.
CH6: Management information syatem:
Relationship of MIS with TPS:
MIS reports and summarizes the organization’s basic operations and these reports come from the
basic transition processing systems. In case of our organization the TPS’s of ATM Cards, Payroll
and Customer identification etc. provide the basic information about the organization’s 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.

Transaction processing system Management Information system

Payroll TPS MIS FILES

Payroll master
File
Payroll data
of employee

C.I info master Customer

Identificatio-
File n TPS
Customer data

Employees Employee
Info master file Record TPS

Employee’s data

Customer Real time

Account master banking TPS
File
Customer data

Customer Customer
Queries master service TPS
File
Customer complains data

Customer ATM Cards

TPS
Master file

Customer account data

 Transaction processing system Management Information system

Customer Advices TPS MIS FILES

master file
Advices data

Customer Info Customer

account TPS
Master file

Customer data

Online
Customer activity TPS
Master file
Customer data

Car
Customer Financing
Master file TPS
Customer data

MIS
Reports

Managers
CH7: Conclusion and future work:

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.

This report discuses all the activities that the Management Information System perform in our
selected organization “Standard Chartered Bank (Pakistan)”.

The reports starts 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.

SUGGESTION
The bank is using the IS very efficiently and increasing its profitability, but still there are many
things that should be improved.

 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.

 The security of these system should be made.

 Credit cards system should be improved providing the unique facilities to their
customers which the other banks has not yet introduce.