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Our products and services

Consumer Banking

Headquartered in Singapore, Standard Chartered’s Consumer Banking business serves the needs of customers across Asia, Africa and the Middle East.

With a more than 150-year presence in key markets, Consumer Banking combines deep local knowledge with an international suite of innovative product bundles and services to provide needs-based financial solutions that recognise and reward total banking relationships.

At the heart of our Consumer Banking strategy is the delivery of distinctive customer-focused value propositions that are built to meet the needs of different high-value customer segments, and a back to basics focus on cost, efficiency, risk and liquidity.

The key Consumer Banking customer segment offerings are:

  • Priority Banking, which caters to the distinct needs of affluent customers in our markets with investible assets of approximately USD100,000
  • Preferred Banking, which caters to the emerging affluent consumer in our markets who earns USD35,000 per annum and/or has accumulated investible assets of USD25,000
  • SME Banking – Standard Chartered provides SME Banking serving the needs of two distinct segments: Small Businesses (turnover of up to USD10 million) and Medium-sized Enterprises (turnover of between USD10 million and USD25 million)
  • Private Banking – Headquartered in Singapore, the Private Bank serves the needs of high net worth individuals through dedicated Relationship Managers. It has grown rapidly since its inception less than four years ago and is among the top 10 private banks in Asia
  • Personal Banking – Standard Chartered’s offering for the broader consumer market focusing on scale and transaction convenience across multiple channels

Wholesale Banking

Headquartered in Singapore and London and with a delivery footprint that spans our entire network, our Wholesale Banking business provides corporate and institutional clients with trade finance, cash management, securities services, foreign exchange, risk management, capital raising and corporate finance solutions. It has a rich history of over 150 years operating in Asia, Africa and the Middle East.

The Wholesale Banking team is noted in the industry for its unmatched on-the-ground expertise, its relationship-focused approach to business and a solid track record of innovative, award-winning and client-centric solutions. These competitive advantages are fundamental to the sustainable growth of our Wholesale Banking business.

Our strategy is based on three key principles:

  • To become the core bank to more of our clients
  • To build scale in local markets and increase cross-border capabilities to better support our clients in achieving their ambitions
  • To maintain our strong balance sheet to support our existing clients

Key Wholesale Banking businesses include:

  • Transaction Banking, which provides integrated working capital solutions such as cash and liquidity management, trade finance and securities services. In an East and Partners Survey, conducted in November 2010 and covering 930 corporates in Asia, Standard Chartered was found to be the leading primary and secondary transaction bank
  • Financial Markets, which spans fixed income, equities, commodities, capital markets and asset and liability management across origination, trading, sales and structuring. In 2010, we broadened our capabilities, expanding our foreign exchange and interest rate derivatives business as well as building new capabilities in commodity derivatives and equities, convertible bonds and equity derivatives
  • Corporate Finance, which provides bespoke solutions across the four specialised areas of corporate advisory and finance, project and export finance, structured trade finance and finance solutions, and structured finance. In 2010, we launched our new operating platform for our shipping clients, including the world’s leading container lines and shipping companies, as well as commodity traders and end-users, to help finance their fleet growth and renewal plans
  • Principal Finance, which aims to create value through our own investments, primarily across four asset classes: corporate private equity, real estate, infrastructure and alternative investments
Annual Report and Accounts 2010