Being international is one of 5 core values. In 2002, the Bank's five values - Courageous, Responsive, International, Creative and Trustworthy was articulated and the behaviors and culture are a source of competitive advantage. That is why customers bank and employees stay with SCB. As one of the world's most international banks, with a unique presence in Asia, Africa and the Middle East, career opportunities to an enormously diverse workforce is provided by SCB.Having an International MindsetStandard Chartered Bank has over 77,000 employees, representing 125 nationalities; working in a global network of over 1,700 outlets in more than 71 countries around the world. You never have to leave your seat to be exposed to other cultures, customers and ways of doing business. Being internationally aware is a behavior which needs to be prevalent in our graduates from day 1.We have a number of interventions built into our development programs to help you expand your knowledge, and help you further build an international mindset;Our global graduate induction and graduate programs unite like minded graduates from all over the world in one location (Malaysia). This in itself brings a huge wealth of diversity which opens up new ways of thinking.The diversity of business presenters who engage our International Graduates, from different geographies, different businesses and different experiences help you understand the scope of business at both a global, regional and local level.International Graduates will have the opportunity to work on case studies which are diverse and involve teamwork, coordination and complexity - testing your ability to work together as small groups - where people have different experiences and perspectivesYour clients and colleagues, helping them with cross border needs, and building your awareness of international markets and issues.Building international relationships to create your networkBuilding good relationships is critical to both individual and team performance. As an international graduate you have a readymade opportunity to build relationships with your peer group, which is the first stage in creating your international network. As you develop in the bank, you will come into contact with more people in multiple locations, with different culture and languages, and who have a wealth of experiences which you can draw on upon throughout your career. If you are working on a deal or responding to customer needs being able to pick up the phone or contact somebody you know in another country can be a great way to enhance our customer's service and value experience.Sharing best practice is also a key to innovation, improving processes and managing costs. Leveraging your international network will help you identify new ideas and new ways of working. Building your language capability through an option of e-learning modules is another way to develop your international network - communications are key and even the basics of another language can help you do business or relate to clients and colleagues more effectively. Working in international teamsWhether you are physically based in Singapore, Ghana or Dubai, your immediate team may comprise different nationalities, which will expose you to different ways of working on a day to day basis. You may be asked to work on a product or project which involves you reaching out to colleagues in other countries.To help you gain some experience of operating in such a team we have developed an Action Learning Program. As an International Graduate you will become part of a small virtual team and have the opportunity to work on a live project, being mentored by senior managers from different locations and different parts of the business. To spice things up there is an element of competition amongst the different graduate teams, with a focus not only on the outcome but on how you operate as a virtual team.International Graduates are Located in High Growth MarketsWe have graduate positions in a number of high growth markets in Asia, Africa and the Middle East. These are some of the most exciting markets in the world, and our strategic focus is to pursue growth opportunities in these markets. Being an international graduate located in a high growth market in an organization that aspires to be the world's best international bank, will be an exciting opportunity that almost by definition is a great start to an internationally focused career.International Career OpportunitiesOur unique footprint enables our International Graduates to build capabilities, gain experience and develop knowledge that other companies cannot necessarily offer. After the initial stages of your career, having developed the right international mindset, a strong network, and a great performance track record, you are likely to get the opportunity to consider other roles internationally, and to be able to broaden your direct international experience.Being trustworthy is important as you work at living a life of abundance. How can you expect to discover abundance in any area of your life if others don't feel they can trust you? Abundance can't be attained all on your own. Eventually, you'll need the help of other people in your quest for a quality and satisfying way of life. When those around you know you're trustworthy, it'll go a long way. I feel trust is something that's rare in today's world. We all know our so-called "leaders" are full of "you know what" and are lying every time they open their mouths. We know many corporations and government agencies have lied to us. Some of these lies have brought them great profits while causing innocent people to come down with serious illnesses. So, imagine what happens when you live an authentic life and come to be known as a person who is genuinely trustworthy. You stand out immensely. You shine in the eyes of others. People want to be around you."Honesty is the first chapter of the book of wisdom."- Thomas JeffersonDoes it take time to build trust? Absolutely. However, when you have that kind of reputation, great things begin to happen. I have a friend, Dave who has a friend called Jack, who he's built a great relationship with. They both trust one another without any questions. I know he's trustworthy beyond belief. This didn't happen overnight. They've known each other over eight years. Over time, he knew his friend, Jack, was a quality person and that just made him want to be around. The more they got to know one another, the more they found out they had many similar interests and could help one another. They've built two websites together and are currently researching real estate projects. These aren't the types of things you want to do with someone you can't trust! They both bring different talents to the table that helps make theirbusiness pursuits successful. Finding an honest partner helps to build abundance into both their lives. I pass this story on to show that you would be able to attract the right people into your life by doing trustworthy. As you attract other trustworthy friends, you'll eventually find one or two that you can work together with. By working together, you can help one another achieve life abundance that much more quickly. Also, it's just enriching to be around other people of quality. They're a breath of fresh air in comparison to all the lying and deception we're exposed to. It helps you have faith in others. It keeps you positive and optimistic.As one of 5 core values, trustworthy links diverse colleagues in SCB together. We smoothly work together because we trust each other.Responsible:As mentioned to responsibility, I think it refers to corporate social responsibility.Over the past few years, a rising emphasis has been placed on companies and financial institutions' Corporate Social Responsibility. But what does Corporate Social Responsibility (CSR)" mean anyway? This is indeed one of the most frequently asked questions for all those dealing with CSR matters.CSR is also known as corporate responsibility, corporate citizenship, responsible business, sustainable responsible business (SRB), or corporate social performance. Different organizations have developed different definitions and there is large common ground between them.A simple definition refers to CSR as how c ompanies and financial institutions take into consideration the impact on society of their operational activities. Consequently, it requires a built-in, self-regulating mechanism whereby businesses would monitor and ensure their adherence to law, ethical standards, and international norms to produce an overall positive impact on society.It is not surprising to see that CSR is subject to considerable amount of debate and criticism. Advocates argue that businesses benefit in many ways by operating with a perception broader and longer than their own immediate, short-term profits. Opponents argue that CSR diverts from the basic economic role of business; others argue that it is nothing more than superficial window-dressing;Largely, the banking industry in the Middle East does not realize the central importance of having a defined CSR policy. Many banks do not fully understand the worth of CSR.There are obvious and real gains on hand for banks which have well-designed and successful CSR strategies. They can promote their profile in the community they serve, enhance local, and cross-border economic performance, and enable community development, at the same time strengthening their profitability.CSR focuses more on how companies and financial institutions can contribute through their core business, in addition to traditional charitable donations.CSR and Project FinanceCSR practices are often implemented in banks' core business, which are credit and investments. Project finance is one of the methods to get capital for investment opportunities.Banks consider how to fairly balance the risk and interests of the various participating parties, including protecting the interest of those who are directly and indirectly affected - specifically the local community that reside within or close to the area impacted by the project.It is recommended that banks recognize their responsibility to prevent or limit social and environmental harm that may have been caused by activities financed by them; they need to adopt appropriate analysis and verification procedures.Banks have impact on the environment directly and indirectly. Lending and investments activities have an indirect impact on the environment. Therefore, banks should be encouraged to consider environmentally-friendly purposes in their credit decisions. To this end, banks may offer incentives to credit facilities for "green" investments such as improving a buildings' insulation or more efficient lighting systems which use alternative energy sources. The bank may apply le ss stringent rules in relation to collaterals or offer discounted loans to such clients for these types of investments.Community involvementCommunity involvement is the basis of all accomplished CSR policy initiatives and extends far beyond the standard charitable measures. Banks should introduce innovative schemes such as:- permanent learning programs for disadvantaged sectors of society;- sponsorship of young entrepreneurs;- provision of academic scholarships and research proposals;- support environmental issues such as recycling and waste management;- community support programs;- health support programs;- financial support for art and culture;Banks may also support non-governmental organizations engaged in drug prevention measures for the youth with a mentorship and parental training programmes. Bank employees can be mentors for pupils at the senior level of the compulsory school during one school year. Awareness and TransparencyIt is essential that there should be a transparent and strong commitment to adoption of CSR practices. This can be reached through explicit reference to CSR activities adopted by banks through the following means:-dedicating sections of Annual Reports to CSR matters;-publishing of Sustainability Reports and/or policy statements on CSR; and web-based information.It should be noted that corporate sustainability for banks is much more than mere charity. In this context, banks are encouraged to improve the future of the people in all communities they operate through CSR programmes, which in turn will sustain their business in the future.In Europe, a dramatic change has been in the type of CSR reporting which has changed from simply environmental reporting to sustainability (social, environmental and economic reporting which has now become typical among top listed companies). There has been an increase in the number of companies publishing CSR information as part of their annual reports.Banks and the EnvironmentJust like other business sectors, the business of banking has a direct impact on the environment through consumption of paper, energy, waste management and means of transport used. Direct environmental impact can be reduced by keeping environmental order in banks themselves, through limiting the consumption of energy and paper, ensuring good waste management and requiring suppliers' to conform to environmental standards. A bank can minimize the impact in a systematic manner through implementing an environmental policy; it can even go further andapply for environmental certification in accordance with ISO 14001.The ISO 14001 is a standard for environmental management systems that is applicable to any business. It aims to reduce the environmental footprint of a business and to decrease the pollution and waste a business produces.Good examples from the banking sector include Deutsche Bank, Barclays Bank and Alpine Bank of Colorado. They have constructed a comprehensive Sustainability Management System in accordance with ISO 14001 and permitted an independent certification agency to monitor their commitment in the field of sustainability by making sure they comply with the requirements of ISO 14001 standard.Financial InclusionThe market in which banks operate today requires new range of products targeting new customer segments including groups who are not yet fully integrated in society, and not dealing with banks such as temporary workers, low-income families, and micro businesses operating in poor areas of the country.This situation represents for banks a challenge in terms of designing suitable products for these distinct segments, and the opportunity to develop a new type of business beneficial to all. Some good examples of responding to the challenge would be microfinance and financial education. Banks are encouraged to promote financial education projects involving different target groups. This is achieved in two ways. Firstly, by concluding agreements with strategic partners which are recognized by the target groups in order to inform them better on financial services and products which they will use in their daily life. Secondly, by developing contacts with the local authorities towards certain target groups. These target groups include primary schools, secondary schools, higher education, universities, and the general public world.Some initiatives involve surveys which provide insight into the challenges and opportunities related to financial literacy in the target groups of children, teens, students and young adults. Another consists of developing new products, educational materials and events intended to stimulate financial skills and knowledge. Perhaps the best example is an educational website with fun, online exercises for children, tips and advice for parents on how to educate children financially.。
