Addressing your financial priorities

Addressing your financial priorities

From everyday banking to long-term investing, enjoy a tailor-made selection of world-class solutions made to support and address your financial needs.

Wealth Management

Expect a comprehensive portfolio approach with solutions customised to meet your individual financial goals, life stages and risk appetite. Your Relationship Manager, with the assistance of a qualified team of product specialists, will ensure that you receive the best solution on the full range of mortgage, investment, and treasury products.

Our Wealth Management Advisory Process

Your needs
We begin with a simple needs analysis, which takes the form of a Needs Conversation between you and your Relationship Manager.

Assessing your level of risk
Once your needs are established, we’ll take you through a risk profiling exercise to establish whether you’d prefer a more defensive or more aggressive approach to growing your money.

Implementation
With your authorisation, your Relationship Manager will assist you to set up your new portfolio.

Reporting
You'll regularly receive a statement of your portfolio value.

Monitoring and reviewing
Because market conditions as well as your needs and appetite for risk will change over time, we encourage regular portfolio reviews between you and your Relationship Manager and Investment Advisor. That way we can modify your investments so they are always delivering optimum performance.

Core Investment Portfolio

Your core investment portfolio comprises of wealth generating instruments designed to help you achieve your long-term financial needs.

  • We first work out your long-term financial needs, such as property investments, funding your child's education or preparing for your retirement to ensure you enjoy a quality lifestyle.
  • We will assess your risk profile and help you build a core portfolio that is suitable for your profile and maximises your returns, such that these goals can be attained optimally within your required timeframe.
  • These portfolios comprise investments such as mutual funds that give you exposure to a diversified range of asset classes such as cash, bonds and equities. The range of asset classes is determined by our proprietary strategic asset allocation models and depending on your preference, we can offer you a selection of funds

Investments are subject to investment risks, including the possible loss of the principal amount invested. The value of and the income from Investments may fall as well as rise. Foreign currency investments are subject to risk of exchange rate fluctuations and exchange controls from time to time for certain currencies.

Wealth Solutions

Core Investment Portfolio

  • Our partnership starts by defining and assessing your long-term financial needs, from property investments and funding your child's education to preparing for a comfortable retirement
  • Your risk profile will be assessed in detail, helping you to align and build a core portfolio that is works for you, and of course, and maximises your returns and achieves your goals.
  • These portfolios are made of varied investments such as mutual funds that give you exposure to a diversified range of asset classes such as cash, bonds and equities. The range of asset classes is determined by our proprietary strategic asset allocation models and offers you a selection of funds according to your preference
Business Banking

Whatever the size or speciality of your business, Business Banking with your trusted partner provides a one-stop, specialist solution designed around the needs of the broadest range of companies, regardless of size and segmentation.

Whether your goal is to own a business, manage your resources or expand your company overseas, we offer a diverse range of innovative products and services catered to your goals, to help you manage, protect and expand your business.

Trade Services
As you expand your business operations overseas, take advantage of our network across 70 countries and over 150 years of global trade expertise for your total trade solutions. Products offered include: Letters of Credit, Documentary Collections, Guarantees & Bonds Pre & Post Shipment Finance, Invoice discounting.

Cash Management
To assist you in managing your company’s cash flow with greater ease and convenience, enjoy a comprehensive range of smart cash management solutions.

Forex / Treasury Services
As you engage in business across the world, enjoy assured access to a broad range of Global currencies and an international branch network, making your global business more efficient. In partnership with you, we can deliver risk management solutions and wealth enhancement opportunities built to support your individual and business needs.

Straight2Bank Online Banking Service
Your trusted partnership with us extends online too. Straight2Bank provides the control and convenience of managing your business cash flow from wherever you are.

Perform the following tasks without having to visit the branch:

  • Payroll
  • Local & foreign currency telegraphic transfers / RTGS/ payments
  • Electronic statements and reports
  • Payments
  • Access reports and alerts

Commercial Mortgage
If you are a business owner or investor looking to purchase or refinance your commercial property, our exclusive Commercial Mortgage Investor’s Package provides benefits in line with your needs, offering you more savings on interest repayments with our innovative and flexible financing solutions

Asset Finance
Purchase moveable assets such as vehicles, equipment and machinery, according to your specific requirements, where the asset itself serves as security for the financing provided.

Wealth solutions
In managing your investment requirements, expect a comprehensive portfolio approach with solutions and products customized to meet your individual financial goals, life stages and risk appetite. Your personal Relationship Manager, with the assistance of a trusted, qualified team of product specialists, will ensure you receive the best solution on the full range of mortgage, investment, and treasury products. To learn more about available products please get in touch with your Relationship Manager.

Unique Card Solutions

1. The Standard Chartered Priority Banking Visa Infinite Debit Card
Your Priority Banking ATM-cum-Debit Card unlocks a whole range of services, privileges and rewards that befit your priority status. The specially designed Priority Banking Visa Infinite Debit Card is your primary global relationship card with the Bank, offered to you when you begin your relationship with the Bank. Exclusively customised for Priority Banking, the card provides you with global recognition at all Priority Banking Centres and branches as well as local and international access to your banking accounts.

The Visa Infinite Card comes bundled with a host of unique benefits such as:

  • Global emergency assistance – for lost or stolen cards. Replacement card/Emergency cash will be provided,
  • Multi-trip travel insurance: Insurance that covers you for international and local trips for up to 90 days’. To activate this use your Visa Infinite card to pay for the travel.
  • A Visa Global Concierge service- For all Travel shopping, dining and lifestyle needs
  • Purchase protection and extended warranty insurance
  • Airport lounge access – unlimited free airport lounge access at more than 800 LoungeKey lounges globally as well as one free guest per visit

For additional Visa Infinite travel benefits* visit www.visainfinitecard.com for full details and terms and conditions.

You can access funds easily with cash withdrawals locally and internationally from all Visa/Plus or MasterCard/Cirrus network ATMs at no extra charge. Enjoy special benefits such as discounts on foreign exchange transactions under the Global Rewards programme at all Travelex2 locations worldwide

2. The Standard Chartered Platinum Credit Card
Enjoy a world of privileges like no other with your Standard Chartered Platinum Credit Card. This Credit Card comes enhanced with a Chip to give additional security on the card. It comes with a host of benefits and rewards both locally and internationally. Some of these benefits include 5% cash back on dining and reward points on all your other retail spends. Your spouse and family members can receive supplementary cards upon request.

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Speaking Up

Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party ‘InTouch’. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Complaints relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.

Disclaimer

Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.

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