corporate social responsibility of standard chartered bank

7/23/2019 Corporate Social Responsibility of Standard chartered Bank

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CORPORATE SOCIALRESPONSIBILITY:STANDARD CHARTERED

BANK

25-Nov-13 Informational Report on CSR Activities

This document is an informational report compiled using

qualitative research techniques. Purpose of report is to acquire

a cross sectional analysis of Standard chartered bank and its

CSR activities in relation to its corporate values and principles.Created By:

Ahmed Faizan Arsalan Afaque

Shehzad Shiraz

Asif Sheikh

Syed Imran Ali


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Corporate Social Responsibility: Standard Chartered Bank

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Corporate Social Responsibility:Standard Chartered BankO R G A N I Z A T I ON A T A G L A N C E

Company Information

Organization Standard Chartered Bank

Address Head quartered at London ,UK

Type Multinational

Presence in countries 66

Locat ions 1700 offices

Chairman Sir John Peace

Industry Banking

Number of employees 87000 Direct, 100000 Contractual

Annual revenue US $ 19.71 Billion (2012)

Estimated Asse ts 33 Billion

CSR Management Global Sustainability Teams ( Corporate Affairs )

Country Responsible Head Of Sustainability

CSR ManagementStyle Cross Functional Collaborations

Standard Chartered PLC

(LSE:STAN,SEHK:2888,NSE:STAN)

Is a Britishmultinational banking and services company headquartered inLondon,United Kingdom.It operates a network of over 1,700 branches and outlets (including subsidiaries, associates and jointventures) across more than 70 countries and employs around 87,000 people. It is a bank with operationsin consumer, corporate and institutional banking, and treasury services. Despite its UK base, it does notconduct retail in the UK, and around 90% of its profits come fromAfrica,Asia and theMiddle East.Standard Chartered has a primary listing on theLondon Stock Exchange and is a constituent of theFTSE100 Index.It had market of approximately 33 billion as of 23 December 2011, the 13th-largest of any companywith a primary listing on the London Stock Exchange.It has secondary listings on theHong Kong Stock Exchange and theNational Stock Exchange of India.Its

largest shareholder is theGovernment of Singapore-ownedTemasek Holdings.
http://en.wikipedia.org/wiki/London_Stock_Exchangehttp://www.londonstockexchange.com/exchange/prices-and-news/stocks/prices-search/stock-prices-search.html?nameCode=STANhttp://en.wikipedia.org/wiki/Hong_Kong_Stock_Exchangehttp://www.hkex.com.hk/eng/invest/company/quote_page_e.asp?WidCoID=2888&WidCoAbbName=&Month=&langcode=ehttp://en.wikipedia.org/wiki/National_Stock_Exchange_of_Indiahttp://www.nseindia.com/marketinfo/companyinfo/companysearch.jsp?cons=STAN&section=7http://en.wikipedia.org/wiki/Multinational_corporationhttp://en.wikipedia.org/wiki/Londonhttp://en.wikipedia.org/wiki/United_Kingdomhttp://en.wikipedia.org/wiki/Africahttp://en.wikipedia.org/wiki/Asiahttp://en.wikipedia.org/wiki/Middle_Easthttp://en.wikipedia.org/wiki/London_Stock_Exchangehttp://en.wikipedia.org/wiki/FTSE_100_Indexhttp://en.wikipedia.org/wiki/FTSE_100_Indexhttp://en.wikipedia.org/wiki/Hong_Kong_Stock_Exchangehttp://en.wikipedia.org/wiki/National_Stock_Exchange_of_Indiahttp://en.wikipedia.org/wiki/Government_of_Singaporehttp://en.wikipedia.org/wiki/Temasek_Holdingshttp://en.wikipedia.org/wiki/Temasek_Holdingshttp://en.wikipedia.org/wiki/Temasek_Holdingshttp://en.wikipedia.org/wiki/Government_of_Singaporehttp://en.wikipedia.org/wiki/National_Stock_Exchange_of_Indiahttp://en.wikipedia.org/wiki/Hong_Kong_Stock_Exchangehttp://en.wikipedia.org/wiki/FTSE_100_Indexhttp://en.wikipedia.org/wiki/FTSE_100_Indexhttp://en.wikipedia.org/wiki/London_Stock_Exchangehttp://en.wikipedia.org/wiki/Middle_Easthttp://en.wikipedia.org/wiki/Asiahttp://en.wikipedia.org/wiki/Africahttp://en.wikipedia.org/wiki/United_Kingdomhttp://en.wikipedia.org/wiki/Londonhttp://en.wikipedia.org/wiki/Multinational_corporationhttp://www.nseindia.com/marketinfo/companyinfo/companysearch.jsp?cons=STAN&section=7http://en.wikipedia.org/wiki/National_Stock_Exchange_of_Indiahttp://www.hkex.com.hk/eng/invest/company/quote_page_e.asp?WidCoID=2888&WidCoAbbName=&Month=&langcode=ehttp://en.wikipedia.org/wiki/Hong_Kong_Stock_Exchangehttp://www.londonstockexchange.com/exchange/prices-and-news/stocks/prices-search/stock-prices-search.html?nameCode=STANhttp://en.wikipedia.org/wiki/London_Stock_Exchange


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Here for Good!

(Planet)

Here forProgress

(Profit)

Here forPeople

(Social)

C O R E B E L I E F & C S R

At standard chartered every things revolves around a core ideology that is Here for Good it not only

symbolizes the passion to progress but also incorporate values that provide sustainability and stability by

investing a share of progress with in society and planet at large.

CSR Agenda of standard chartered bank is simply an extension of its core belief that it are here for:

1. Here For Good

2.

Here For People3.

Here for Progress

It can be viewed as Triple bottom line statement of company where:

1. Here for Goodmeans here to remain as a responsible company towards the planet.

2. Here for Peoplemeans here to support the community and all the stake holders.

3.

Here for Progressmeans here for sustainability by innovation and profitability.

In other Word all of the phenomenon can be viewed as:

In other words Standard chartered CSR is based on its belief in working for the society and environment

and achieving better sustainability by all of its stake holders at large. Main driving forces behind

standard chartered great CSR campaign are derived from the single source that is its core belief and

business ideology of the organization that is practiced since its inception in 1863.


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PEOPLE & VALUES

The diversity of Sc`s workforce is core strength and important part of what makes Sc`s culture distinctive:

the belief that Sc`s brand promise, Here for good, motivates Sc`s people to deliver exceptional,

sustainable results while maintaining the highest standards of fairness and integrity. In 2012, it havecontinued to embed Here for good in every aspect of Sc`s business.

It recognize that different views create innovation and it work hard to create an open andcollaborative working environment through town halls and informal sessions with senior leadersenabling employees to understandtheir points of view and share theirown ideas.It remain committed to providing acompelling employee experiencethat meets the same high standardsit aspire to deliver to Sc`s clients

and customers. It value Sc`semployees for who they are andencourage them to develop theirnatural strengths. Providing relevantand meaningful learningopportunities is central to thatexperience and ensures Sc`s peoplehave the capabilities needed nowand in the future.

Highlights from 2012

Maintained Sc`s high global employee engagement score and increased pride in the company,showing the belief and commitment Sc`s people have in the Group and Sc`s brand promise

Strengthened Sc`s emphasis on personal responsibility and accountability in the definitions of Sc`svalues and will be reflecting them in Sc`s Group Code of Conduct refresh in 2013.

Priorities for 2013

Further reinforce Sc`s Here for good brand promise as Sc`s core purpose, helping Sc`s peopleprove through their actions and decisions that it are Here for good

Strengthen the role that managers play across the Group as a critical component in preserving Sc`sculture.


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CHAPTER1:

BEING A RESPONSIBLE COMPANYIt simply means practicing strong governance, looking after our people and minimizing the directenvironmental impacts are central to being a responsible company.Being responsible is even a tough task but at standard chartered it is managed by focusing on theseveral dimensions of management functions, at a glance they are:

Governance

Responsible selling & marketing

Financial crime prevention

People and values

Focusing the Environment

Suppliers

Lets take a deeper look into how these areas helps Sc to perform well while being responsibleorganization.

Sc focuses on having the right culture, structures and processes in place.

Sc builds long-term relationships with our clients and customers,treatin them fairl at all times.

The Bank always ensures that it is doing its best to prevent financialcrime.

Sc focus on its people and values which guide the way it do business

Bank is committed to reducing the direct environmental impacts of itso erations.

Bank conducts its dealings with suppliers to the highest standards.


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1.1 - GOVERNANCE

It focuses on having the right culture, structures and processes in place to ensure that we practicestrong governance.

Corporate governanceGood governance contributes to the long-term success of a company, creating trust andengagement between the company and its stakeholders.

Environmental and social governance

The Board has overall responsibility for setting our sustainable business priorities and ensuringeffective risk management. The Brand and Values Committee provides oversight of Sc`ssustainability strategy.The Wholesale Banking Responsibility and Reputational Risk Committee and the Consumer

Banking Reputational Risk Committee are responsible for managing environmental and social risksin their respective businesses.


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1.2 RESPONSIBLE SELLING AND MARKETING

Sc have policies and procedures in place to make sure the bank sells the right products andtreats its customers fairly.

Sc aim to treat its customers fairly at all times, providing them with solutions that meet their needs.Sc has policies and procedures in place to make sure the bank sell the right products and that

complaint are identified and resolved.

Wholesale Banking

Sc put its clients at the centre of everything it does. It focuses on deepening its client relationshipsand using its international network to help them achieve their ambitions.

Consumer Banking

Standard chartered is focused on enhancing the customer experience. Its Customer Charter sets out

its commitments:

Fast, friendly and accurate service

Appropriate solutions to meet its customers financial needs

Recognition of its customers overall banking relationship with the bank.


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1.3 FINANCIAL CRIME PREVENTION

The Bank continually strengthens its approach to ensure it is doing its best to prevent financialcrime.

Financial crime is corrosive to economies, resulting in lower tax revenues, distorted markets, divertedresources and reduced wealth. This has a direct impact on society, resulting in weaker investment,employment and growth.

How Standard Chartered Bank prevents crime

Sc is continually reviewing its approach to ensure that it is doing its best to stop money laundering,terrorist financing and fraud and corruption. This includes:

Regularly reviewing and amending its policies and procedures so that they remain relevant and up-to-date.

Training its staff on how to prevent, detect and react to financial crime.

Checking its financial crime systems and controls to ensure that they work efficiently and

effectively.

Working closely with governments, law enforcement agencies, regulators and the banking industryto share best practice and contribute to ongoing initiatives which combat crime risk.


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1.4 People and Values

An employee can expect Sc to nurture his strengths and value his unique perspectives, and in returnthe bank expects him to share its passion for doing good.

Providing its people with international experiences in line with theircareer aspirations, skills, experience and strengths is an importantpart of Sc`s development approach.

Sc`s cultureSc`s distinctive culture isthe reason why clientsand customers choose tobank with them.

Employees rewardsThe Bank rewards its people generously for continued highperformance and superior delivery.

Employee development

Bank wants its employees to excel, to realize their potential andto perform to an exceptional standard.

Worker`s futureSc will encourage its workers to pursue opportunities in line withtheir aspirations, skills, and strengths.

Lets take a deeper insight of these thoughts:

1.4.1 - SC commitment to its people

We believe that a bank can be about more than just the profits it makes, that by doing things the right way we can be a powerful force

for good. Our brand promise, Here for good, sets out our deep and lasting commitment to people, to the communities in which we live andwork, and to building a sustainable and responsible business for the long run. And it's this commitment that not only sets us apart as a bankbut also as an employer. By developing your strengths, valuing your unique perspectives and enabling you to make a difference to oursuccess, we'll help you to fulfill your potential. Getting the most from this opportunity will rely on you sharing our commitment to deliveringperformance for our shareholders, building lasting relationships while demonstrating a passion for helping us do good - for customers,communities and your colleagues. (Sir John Peace)


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1.4.2 - Culture at Standard Chartered

As per the sustainability review of Bank issued 2012, it states their culture as:

With over 89,000 people, representing 127 nationalities, across 68 markets we pride ourselves on

being a truly diverse organization, combining an international footprint with in-depth local understanding.Our pervasive sense of shared values help us feel and behave as one team across our different marketsand business functions.

Wherever we are, our ambition remains one and the same: to work in partnership with our clients andcustomers to provide solutions that meet their needs, whilst building a sustainable business for the future,for ourselves and the communities in which we operate.

Our values are a vital way in which we bring our unique culture to life, and we seek to build a team thatshares in and actively lives these values in their day-to-day work. As well as searching for people whopossess those qualities that make up our values - courageous, responsive, internationally-minded, creativeand trustworthy - we also look for certain other attributes including teamwork, the desire to do good, andthe ability to perform to a consistently high standard.

This unique culture, built upon strong values and a foundation of teamwork, commitment and performanceis a strong competitive advantage for the Bank.

(Source: Standard Chartered Bank, Annual Sustainability review year 2012)

1.4.3 - Employees rewards

High performance and superior delivery are valued and rewarded at Standard Chartered, but equally

important is how employees achieve those results.Sc will reward the right performance, consistent with our values, through career progression, performancerelated compensation including share scheme participation and discretionary bonuses.Sc also regularly benchmark base salaries and total compensation against our industry peers to ensureremuneration remains competitive. In addition to performance related compensation employee will enjoya comprehensive range of benefits, taking care of employee`s needs, alongside those of employee`sfamily, both now and into the future.

Naturally, as a valued member of the Standard Chartered team, employees will have access to a rangeof banking benefits to assist employees with their financial needs including investments, foreign exchange,insurance, mortgage loans and personal banking. Employees can also take advantage of preferred rateson a variety of banking products.

Employee health, Sc will being and future is also important to bank. Employee will have access to healthand medical coverage, insurance products, retirement plans and a voluntary share save plan that allowsemployee to benefit financially from the success it have created by saving to become a shareholder.Sc also offers a comprehensive leave program that provides for a variety of circumstances. In line with itscommitment to the communities in which Sc live and work, Sc also offer three additional days volunteeringleave allowing employee to dedicate time that will benefit employee`s local community.


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1.4.4 - Employee development

Sc wants its people to excel. By leveraging employee unique strengths, and providing employees with theright technical and professional training, Sc will help employees realize their potential and help

employees perform to an exceptional standard.

Sc award winning Learning & Talent Development team offer a range of programs aimed at ensuringemployee`s thrive in their current role, and are Sc will positioned to take on new opportunities as theyarise.

Sc`s Leadership & Management Development programs are available for its new managers through toits most senior leaders, engaging leaders at all levels in conversations about the role they will play tomake our ambition a reality.

The Professional Development curriculum seeks to expand the capability of all staff in areas rangingfrom negotiation and influencing through to process improvement and project management, and many

others in between. Professional Development programs are offered via a combination of classroom andonline learning at core, advanced and in some cases expert level to accommodate the varying needs ofour people.

In addition to Leadership & Management Development and Professional Development curriculums, eachbusiness function has developed a learning programs designed to meet the specific needs of its team.

Whether employee are part of Consumer Banking, Wholesale Banking, Group Technology & Operationsor one of Specialist Functions, employee will have a range of programs designed to build their uniquestrengths and continually drive your professional development and growth.

1.4.5 - Worker`s future

Sc offer potential for bright minds with big ambitions, and actively encourages its people to pursue jobopportunities within its network that are in line with their career aspirations.

Whether the right opportunity is local or international, the bank provides the necessary support to helpemployees realize their ambition. Sc will draw their attention to available opportunities via our internalJob Watch portal, which allows them to set up alerts for relevant job opportunities.

And if the next move is overseas, then bank`s dedicated International Mobility team will partner withemployee to ensure a smooth transition for both him and his family.With offices in 68 countries, and a growing team, his next step could be just around the corner.


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1.5 - ENVIRONMENT

Sc is committed to reducing the impact that itsbusiness and lending has on the environment.

Environmental issues, particularly resourcescarcity, have an increasing influence on bank`sclients, customers and business. The impact will befelt in every corner of the world, but moreimmediately in the regions where Sc operate.

Bank can make a positive difference

Responding to these issues requires aconsolidated effort from businesses, governmentsand individuals. For Sc, it means influencing bestpractice among the companies they finance,investing in renewable energy and low carbon technologies as well as reducing the direct environmentalimpact of its operations.

Reducing its carbon footprint

Bank has long-term targets to reduce its energy use, water use and paper consumption. It report on all itsproperties that are over 10,000 square feet and 18% of our smaller branches and offices, which makeup 69% of its portfolio.

Target date Target Applicability

Energyuseintensity

2008 -2019*

Reduce by 35% Properties in tropical locations

Reduce by 20% Properties in temperate locations

Water use intensity 2008 -2019

Reduce by 71% All properties where we have control ofwater facilities

Office paper use 2012 -2020

Reduce to 10 kgper

full time employee

All properties we own

* Owned properties must meet these targets by 2014(Source: Standard Chartered CRES Review 2013)


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SUPPLIERS

Sc`s Supplier Charter highlights the environmental and social standards it expect of all itssuppliers.

Standard chartered group support local businesses through its growing demand for goods andservices.In 2012, bank rolled out our Supplier Charter to more than 26,000 suppliers, highlighting theenvironmental and social standards and values it expects of its suppliers. It is committed to conduct

its dealings with suppliers to the highest standards of quality and integrity.

Sc`s Supplier Charter covers:

Ethics

Human rights

Environment, health and safety standards

Labor

Protecting the environment.

(* See in depth Policies regarding all stated in this chapter the annexure section of this report).


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CHAPTER2:

SUSTAINABLE ECONOMICGROWTH

By extending access to finance and providing finance responsibly, Standard Chartered Bank iscontributing to sustainable economic growth in its markets.

It covers the responsibility in two ways:

Sustainable financeSc help its clients meet international standards, and financeinnovative solutions to the worlds environmental and socialchallenges.

Access to financeSc is committed to developing products and services thatimprove access to finance for people and businesses tosupport economic development.


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2.1 - Sustainable finance

Sc`s main impact on the environment and society is through the business activities it finances,ensuring they meet international standards.

With Sc`s financial expertise and global footprint, it is well placed to identify market opportunities thattackle global challenges, such as climate change, food security and access to clean energy and water.

How Bank promotes sustainable financeSc challenge the way its clients operate by ensuring the projects it finances should meet internationalenvironmental and social standards, such as those set by theInternational Finance Corporation.Sc alsoapplies theEquator Principles to all project finance and project advisory transactions.Sc has also developed a series ofposition statements,setting out its approach and standards on socialand environmental issues and high risk industries. Bank polices apply to all its lending, debt, capitalmarkets activities, project finance, principal finance and advisory services in Wholesale Banking and todiscretionary lending in SME Banking. InWholesale Banking, it provides front line staff with guidelinesand Environmental and Social Risk Assessment tools based upon its position statements to assess clientsand transactions. Transactions with significant environmental and social risks are escalated to ourWholesale Banking Responsibility and Reputational Risk Committee, chaired by Mike Rees, GroupExecutive Director and Chief Executive of Wholesale Banking.InSME Banking, Sc`s SME Sustainable Finance Framework is based upon our position statements andapplies to all discretionary lending. High-risk transactions are escalated to the SME Process Governance

Committee for review.

Clean technology financeSc provides financing to the renewable energy and clean technology sector to support the developmentof a low-carbon economy. This includes financing for wind, solar, hydro, water, geothermal and bio-fuels.In 2007, Bank made a Clinton Global Initiative commitment to finance between US$8 to US$10 billion inclean technologies. In the last five years, it has provided and supported financing of US$9.4 billion to thesector.
http://www1.ifc.org/wps/wcm/connect/corp_ext_content/ifc_external_corporate_site/homehttp://www.equator-principles.com/http://www.standardchartered.com/en/sustainability/performance-and-policies/standards-and-policies.htmlhttp://www.standardchartered.com/en/banking-services/wholesale-banking.htmlhttp://www.standardchartered.com/en/banking-services/sme-banking/index.htmlhttp://www.standardchartered.com/en/banking-services/sme-banking/index.htmlhttp://www.standardchartered.com/en/banking-services/wholesale-banking.htmlhttp://www.standardchartered.com/en/sustainability/performance-and-policies/standards-and-policies.htmlhttp://www.equator-principles.com/http://www1.ifc.org/wps/wcm/connect/corp_ext_content/ifc_external_corporate_site/home


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Targets and progressSustainability and our business

Banks have an essential role in a prosperous and healthy society. Sc believes that by running itsoperations well, standing by its clients and customers and investing in the communities where it operate,it can be a powerful force for good. Sc`s approach focuses on getting the basics of banking right,

making sure that it is financially stable with strong governance and good sources of capital andliquidity, so that bank can create value for its shareholders and society over the long run.

Key indices and awards

Key commitments

The Equator PrinciplesA framework to help banks manage the impacts on societyand the environment through project finance.

The Climate PrinciplesA commitment to tackling climate change proactivelythrough the financial products and services we offer.

14 PositionStatements1. Climate change2. Oil and gas3. Ship breaking

4. Mining and metals5. Forestry and palm oil6. Biofuels7. Nuclear powergenerations

8. Gaming and Gambling9. Transportation of hazardousmaterials

10. Tobacco11. Fossil-fueled power generation12. Child labor13. Dams14. Water

(Each Position Statements explains the policy for such segments, Enclosed in Annexure Section of report).
http://www.standardchartered.com/en/sustainability/performance-and-policies/standards-and-policies.htmlhttp://www.standardchartered.com/en/sustainability/performance-and-policies/standards-and-policies.htmlhttp://www.standardchartered.com/en/sustainability/performance-and-policies/standards-and-policies.htmlhttp://www.standardchartered.com/en/sustainability/performance-and-policies/standards-and-policies.html


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2.2 - Access to finance

Sc uses its balance sheet to stand by its clients and customers through good times and bad. The lendingbank provide to people and businesses helps to support job creation and economic development acrossits markets.Enabling international trade to flourish is a key sustainable business priority for Standard Chartered.Bank is also committed to extending access to finance for individuals and small businesses that havetraditionally been underserved by financial institutions.

SMEs

Sc provides SMEs with dedicated financial services,value-added advice and solutions to meet their needs.

Agri financeSc work with clients throughout the supply chain, from small farms in Africa to global corporations.

MicrofinanceSc support individuals to grow their enterprises and invest in health, housing and education for theirfamilies.

Islamic financeSc help its customers meet their banking needs, in line with their religious beliefs.

Mobile bankingWe offer mobile banking services to respond to the evolving banking needs of our customers.

TradeWith trade finance deeply embedded in bank`s DNA Sc play a key role in supporting trade to enablebusinesses, economies and customers to thrive.


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2.3 The Equator Principle

The Equator Principles (EPs) are a voluntary set of standards for determining, assessing and managingsocial and environmental risk in project financing. In 2003, Sc signed the Equator Principles, which areapplied to all project finance and project advisory transactions, irrespective of the USD10 millioncapital costs thresholds is actively involved in a strategic review launched by the EP Association (EPA) in

October 2010 to determine the future of the EPs and to encourage greater consistency in theapplication of the EPs in its markets. Under the EPs, E&S risks are classified as: low (Category C),medium (Category B) or high (Category A). It report annually on the number of advisory and lendingmandates executed by Standard Chartered.In 2012, 15 per cent of our lending was classified as Category A. The proportion of such transactions inits total project and advisory transactions reflects the Groups presence in emerging markets and therapid growth in demand for metals, minerals and other commodities as well as energy andinfrastructure.Equator Principles lending and advisory mandates

Lending Mandates 2005 2006 2007 2008 2009 2010 2011 2012

Cat A 5 5 8 5 3 12 5 3

28% 25% 24% 18% 20% 46% 15% 15%

Cat B 10 12 22 19 10 13 26 17

56% 60% 65% 68% 67% 50% 79% 85%

Cat C 3 3 4 4 2 1 2 0

17% 15% 12% 14% 13% 4% 6% 0%

Total 18 20 34 28 15 26 33 20

100% 100% 100% 100% 100% 100% 100% 100%

Advisory Mandates 2005 2006 2007 2008 2009 2010 2011 2012

Cat A 4 5 7 4

Cat B 0 2 5 3

Cat C 1 3 0 0

Total 5 10 12 7

2012 project finance lending mandates by industrial sector

Split betweensectors

Bank share of project value USD million Totalproject value

USD million

Standard CharteredBank %

Oil & Gas 5 785 11,290 7%

Power 3 196 1,480 13%

Mining 3 415 2,661 16%

Infrastructure 2 125 1,380 9%

Renewable 4 115 377 31%

Other 2 136 2,583 5%


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CHAPTER3:

INVESTING IN COMMUNITIESSc work with communities to deliver programs that promote social and economic developmentfocusing on health, youth and financial education.

Employee volunteering

Sc supports its local communities by volunteering its time andskills.

Seeing is Believing

Sc raises funds to prevent and treat avoidable blindness.Bank is committing US$100 million to help eradicateavoidable blindness.

=

Living with HIV

Sc provides education and promotes awareness on HIV andAIDS.

Goal

Sc empowers adolescent girls through sport, financialeducation and life skills training.


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3.1 - EMPLOYEE VOLUNTEERINGWe support our local communities by volunteering our time and skills.

Standard chartered believe that volunteering is good for its communities, employees and business. Thatswhy it offers every employee three days paid leave to volunteer.It not only gives employees the chance to find out more about the social and environmental issues that

face their communities, it also reinforces our corporate values.In 2012, Sc`s employees volunteered more than 86,300 days.

3.2 - SEEING IS BELIEVINGSc is celebrating 10 years of Seeing is Believing in 2013, and are over half way to reaching its goalof raising US$100 million.

The issue

Around 39 million people in the world today are blind, most of them living in the developing world. Yet,in eight out of ten cases, blindness can be prevented or treated with proven, cost effective interventions.

An operation for cataracts the leading cause of blindness in developing countries can cost as little asUS$30. And the impact is significant, regaining sight enables people to go back to work or educationand to better care for their families.

How we're helping

Through Seeing is Believing, weve partnered with the International Agency for the Prevention ofBlindness (IAPB) and leading international eye-care non-governmental organizations to improve access toeye-care across Asia, Africa, the Middle East and South America.Sc has risen over US$50 million, and has helped more than 31 million people, since the program launch in2003. By 2020, it aims to fundraise US$100 million for seeing is believing.The funding will help its NGO partners deliver 35 comprehensive eye-care projects globally, providing

access to cataract operations and prevention treatment in deprived communities. This will include fivelarge scale childrens eye-care projects. The first of these projects was launched in November 2012 andspans East Africa, aiming to reach 4 million children.

With help from our staff

Sc staff are driving the success of Seeing is Believing. Not only do many of its employees volunteer atlocal eye-care projects, but 70% of fundraising is led by its staff. The Bank matches every dollar raised.


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3.3 - LIVING WITH HIVSc`s program aims to reduce the spread of new infections by giving people the facts to make safelifestyle choices.

The issue

HIV and AIDS remain one of the greatest challenges to global health, affecting more than 34 millionpeople worldwide.Every day across the world, 7,000 people will become infected with HIV. It doesnt matter where youlive, and whether youre young or old - HIV can impact everyone.Being informed and knowing the facts, understanding the risks and reinforcing safer behaviors can helpavoid infection or prevent passing it on.

How Bank is helping

Its living with HIV program aims to reduce the spread of new infections by giving people the facts tomake safe lifestyle choices.

It runs face-to-face workshops that cover the basic facts about the virus. We also work with externalorganizations to help them develop tailored workplace education programs and we train volunteersinside the organizations to be peer educators.

Education for its staff and communities

In the nineties the HIV pandemic was having a devastating impact, with some countries declaring nationaldisasters after seeing as much as 15% of their population affected.We responded and took action by launching Living with HIV in 1999 as a workplace education programsin Africa. We then extended this across our footprint in 2003 as we saw the effect of HIV and AIDS onthe lives of Sc`s people, its clients, its customers, its suppliers and vendors in all its communities.

How much do you really know about HIV?Did you know you can't get HIV through kissing, swimming pools or toilet seats?The most common ways to get HIV are:

Through unprotected sex with someone who has HIV - this is the most common way of gettinginfected

Injecting drugs, using an unsterilized needle or syringe that have been used by someone with HIV As a baby of an HIV infected mother, during pregnancy, labor, or through breastfeeding.

Common mythsHere are a few common misperceptions about HIV and AIDS:

HIV and AIDS is the same thing. HIV is the virus that causes AIDS. The virus damages the immunesystem, and someone is said to have AIDS when they develop HIV-related illnesses.

You can get HIV from touching, or sharing toilet seats with someone who has HIV. Sharing cups,

glasses, food, cutlery, towels, toilet seats and kissing will not give you HIV.Some facts about HIV

The only way you can be sure of your status is by taking an HIV test Most people living with HIV don't know they are infected. The only way to know is to get tested Unprotected sex is the most common way HIV is transmitted - it accounts for around 80% of all HIV

infections. Don't take the risk; always use a condom.

GOAL


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3.4 - GOALSc aim to empower adolescent girls using sport and life skills education so they can make informedlife choices.

Goal: Sport + education = economic empowerment

Our new commitment

Sc made a commitment at the 2013 Clinton Global Initiative to reach 500,000 girls through Goal by theend of 2018.

The issue

Across the developing world, millions of adolescentgirls are at risk of missing out on education which

severely limits their future prospects.This affects not only the girl herself, but also herfamily and the education and employmentopportunities of her children, with implications forthe wider economy.

How Sc is helping

Goal is Bank`s global program aimed atempowering adolescent girls from low-incomecommunities with the skills they need to make

informed life choices.It partner with global development charities, whoare experts in developing confidence, leadershipand teaching life skills to young adults. Playing sportgives girls a break from the stresses of their homelives and teaches important social skills.Goal girls play basketball, football or netball depending on the local game of choice. The girlslearn key life skills, including how to stay healthyand manage their money.Girls who show exceptional leadership qualities areinvited to become Goal Champions. Its an

opportunity to be trained as a coach for the nextgeneration of Goal girls.Goal currently runs in Bangladesh, China, India,Jordan, Lebanon, Nigeria and Zambia.


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CHAPTER4:

RECONGNITION OF CSR EFFORTSUnder are the brief details of standards, policies, memberships and recognitions that standard chartered

bank has gained till now:

4.1 - SC STANDARDS AND POLICIESThe greatest impact Sc have on the environment and society is through its financing activities.To help its clients reach the highest environmental and social standards, Sc have developed policies and

procedures that, together with the Equator Principles, form the bedrock of our sustainability riskmanagement approach.

Sc`s position statements

It has 14 position statements guide its approach to providing financial services to clients who operate insensitive business sectors or face specific issues.

1. Biofuels 2. Child labour

3.

Climate change 4.

Dams

5. Forestry and palm oil 6. Fossil-fuelled powergeneration

7. Gaming and gambling 8. Mining and metals

9. Nuclear power generation 10.Oil and gas

11.Ship breaking 12.Tobacco

13.Transportation of hazardousmaterials

14.Water

Sc standards and policiesThe following policies and codes of conduct shape our dealings with clients, customers and staff.

1. Anti-bribery policy 2. Anti-money laundering policy

3.

Code of conduct 4.

Environment & climate changepolicy

5. Environment & climate

change

6.

procedures

7. Equal opportunity, diversity &

8. dignity policy

9. Group social & environmentpolicy

10.Health and safety policy

11.HIV and AIDs policy 12.Human rights policy

13.Speaking up policy 14. Sc supplier charter
http://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Biofuels_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Biofuels_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Child_Labour_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Child_Labour_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Climate_Change_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Climate_Change_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Dams_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Dams_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Forestry_and_Palm_Oil_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Forestry_and_Palm_Oil_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Fossil_Fuelled_Power_Generation_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Fossil_Fuelled_Power_Generation_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Fossil_Fuelled_Power_Generation_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Fossil_Fuelled_Power_Generation_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Fossil_Fuelled_Power_Generation_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Gaming_and_Gambling_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Gaming_and_Gambling_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Mining_and_Metals_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Mining_and_Metals_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Nuclear_Power_Generation_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Nuclear_Power_Generation_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Oil_and_Gas_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Oil_and_Gas_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Oil_and_Gas_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Ship_Breaking_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Ship_Breaking_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Ship_Breaking_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Tobacco_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Tobacco_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Tobacco_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Transportation_of_Hazardous_Materials_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Transportation_of_Hazardous_Materials_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Transportation_of_Hazardous_Materials_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Transportation_of_Hazardous_Materials_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Transportation_of_Hazardous_Materials_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Water_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Water_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Water_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Group_Anti-Bribery_Policy_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Group_Anti-Bribery_Policy_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Anti-Money_Laundering.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Anti-Money_Laundering.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Code_of_Conduct.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Code_of_Conduct.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Environment_and_Climate_Change_Policy.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Environment_and_Climate_Change_Policy.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Environment_and_Climate_Change_Policy.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Environment_and_Climate_Change_Policy.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Environment_and_Climate_Change_Policy.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Environment_and_Climate_Change_Policy_Procedures.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Environment_and_Climate_Change_Policy_Procedures.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Environment_and_Climate_Change_Policy_Procedures.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Environment_and_Climate_Change_Policy_Procedures.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Environment_and_Climate_Change_Policy_Procedures.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Environment_and_Climate_Change_Policy_Procedures.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Environment_and_Climate_Change_Policy_Procedures.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Group_Equal_Opportunities_Diversity_and_Dignity_at_work_policy.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Group_Equal_Opportunities_Diversity_and_Dignity_at_work_policy.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Group_Equal_Opportunities_Diversity_and_Dignity_at_work_policy.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Group_Equal_Opportunities_Diversity_and_Dignity_at_work_policy.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Group_social_Environmental_policy.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Group_social_Environmental_policy.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Group_social_Environmental_policy.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Group_social_Environmental_policy.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Group_social_Environmental_policy.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Health_and_safety_policy.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Health_and_safety_policy.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Health_and_safety_policy.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/HIV_and_AIDS_policy.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/HIV_and_AIDS_policy.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/HIV_and_AIDS_policy.pdfhttp://www.standardchartered.com/templatedata/document/document/data/sustainability/Human_Rights_Policy_Standard_Chartered.pdfhttp://www.standardchartered.com/templatedata/document/document/data/sustainability/Human_Rights_Policy_Standard_Chartered.pdfhttp://www.standardchartered.com/templatedata/document/document/data/sustainability/Human_Rights_Policy_Standard_Chartered.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Speaking_up_policy.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Speaking_up_policy.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Speaking_up_policy.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Standard%20Chartered%20supplier%20charter.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Standard%20Chartered%20supplier%20charter.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Standard%20Chartered%20supplier%20charter.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Speaking_up_policy.pdfhttp://www.standardchartered.com/templatedata/document/document/data/sustainability/Human_Rights_Policy_Standard_Chartered.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/HIV_and_AIDS_policy.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Health_and_safety_policy.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Group_social_Environmental_policy.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Group_social_Environmental_policy.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Group_Equal_Opportunities_Diversity_and_Dignity_at_work_policy.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Group_Equal_Opportunities_Diversity_and_Dignity_at_work_policy.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Environment_and_Climate_Change_Policy_Procedures.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Environment_and_Climate_Change_Policy_Procedures.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Environment_and_Climate_Change_Policy_Procedures.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Environment_and_Climate_Change_Policy.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Environment_and_Climate_Change_Policy.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Code_of_Conduct.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Anti-Money_Laundering.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Group_Anti-Bribery_Policy_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Water_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Transportation_of_Hazardous_Materials_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Transportation_of_Hazardous_Materials_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Tobacco_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Ship_Breaking_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Oil_and_Gas_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Nuclear_Power_Generation_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Mining_and_Metals_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Gaming_and_Gambling_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Fossil_Fuelled_Power_Generation_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Fossil_Fuelled_Power_Generation_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Forestry_and_Palm_Oil_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Dams_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Climate_Change_Position_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Child_Labour_Statement.pdfhttp://www.standardchartered.com/en/resources/global-en/pdf/sustainabilty/Biofuels_Position_Statement.pdf


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4.2 - MembershipsThrough memberships and networking, Sc can share our experience and learn from others.

Equator PrinciplesThe Equator Principles are a set of voluntary guidelines for managing social andenvironmental issues relating to financing for development projects. They apply to all

industries including mining, oil, gas and forestry.Sc only provides loans to projects that adhere to these principles. They must be socially responsible anddemonstrate sound environmental management.

FTSE4GoodFTSE4Good is the Socially Responsible Investment (SRI) index. It recognizes companies thatuphold human rights, work towards environmental sustainability and develop positive

relationships with stakeholders. Sc is a constituent of FTSE4Good.

Global Reporting InitiativeThe Global Reporting Initiative produces a global reporting framework for sustainability.Its core goals are to encourage disclosure on environmental, social and governance

performance. All types of business, institutions, and organizations take part.

Dow Jones Sustainability IndexesThe Dow Jones Sustainability Indexes are the first global indexes tracking the financial

performance of leading sustainability-driven companies worldwide. They provide asset managers with

benchmarks to manage sustainability portfolios.Sc was included in the index in 2013 where it was noted for its strong performance in stakeholderengagement, brand management, customer relationship management, environmental business risks andfinancial inclusion.

International Labor OrganizationThe International Labor Organization (ILO) is a United Nations agency which promotes

human and labor rights. There are eight ILO conventions that have been identified as fundamental toindividuals at work, irrespective of levels of development of individual member states.Sc fully supports the fundamental ILO conventions. However, Sc is mindful of labor laws within thecountries in which it operates and of the fact that some countries have not ratified all of theseconventions.


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Organization for Economic Co-operation and DevelopmentThe OECD promotes policies to improve economic and social well-being for people around

the world. It provides a forum for governments to work together and find solutions to common economic,social and environmental problems. It also sets international standards, measures productivity and global

trade and investment flows and predicts future trends.

Association for Sustainable and Responsible Investment in Asia (Asria)Asria is a not-for-profit, membership association dedicated to promoting sustainable and

responsible investment in Asia.

Global Business Coalition on HIV/AIDS, Tuberculosis and MalariaWe are a founding member of the Global Business Coalition on HIV/AIDS (GBC).

The GBC is the pre-eminent organization leading businesses in the fight against HIV/AIDS. Sc`s Livingwith HIV campaign won the GBC 2003 Award for Business Excellence in the Workplace.

UN Global CompactThe United Nations Global Compact is a strategic policy initiative for businesses that are committed toaligning their operations and strategies with ten universally accepted principles in the areas of humanrights, labor, environment and anti-corruption.

UNEP Finance InitiativeSc is a signatory to the United Nations Environmental Program Statement on theEnvironment and Sustainable Development.

UNEP FI is a global partnership between UNEP and the financial sector. Over 190 institutions, includingbanks, insurers and fund managers, work with UNEP to understand the impacts of environmental andsocial considerations on financial performance.

Universal Declaration of Human Rights

Sc recognizes that it has direct responsibility for the impact of our activities on ouremployees, suppliers, customers and the communities in which it operates.It works to protect human rights in its own operations through its internal policies and procedures. It`spolicies also ensure that human rights are taken into account in procurement and lending decisions.


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World Economic ForumSc joined the World Economic Forum's Global Health Initiative (GHI) to help improve the

quality of life of its staff, customers and the communities in which it operate. The GHI backs our beliefthat by working together we can make a difference.

Clinton Global InitiativeThe Clinton Global Initiative (CGI) works to inspire, connect, and empower global leaders to findsolutions to the world's most pressing challenges.The CGI helps members maximize their efforts to alleviate poverty, create a cleaner environment, andincrease access to health care and education. Members include organizations from the private and publicsectors.

LBG

LBG is the internationally recognized standard for measuring corporate communityinvestment. More than 300 companies around the world use the LBG framework to

measure, manage and report the value and achievements of the contributions they make.

Global Banking Alliance for Young WomenThe Global Banking Alliance for Young Women is the leading organization of financial

institutions driving women's wealth creation worldwide.Members build programs to provide women's business enterprises globally with vital access to capital,markets, education and training. Our network enables members to significantly enhance their services towomen's enterprises.

The Climate GroupThe Climate Group is an international not-for-profit organization which works with

government and business leaders to cut greenhouse gas emissions. The Climate Group has operations inAustralia, China, Europe, India and North America.

Carbon Disclosure ProjectThe Carbon Disclosure Project (CDP) is an independent not-for-profit organization which

holds the largest database of corporate climate change information in the world.Thousands of organizations from the world's major economies measure and disclose their greenhouse gasemissions, water use and climate change strategies through CDP. This information is put at the heart offinancial and policy decision-making. In 2012, we received a score in the top 10 per cent of FTSE 350companies.


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4.3 - Sustainability AwardsThese awards recognize Sc commitment to operating in a sustainable way and supporting sustainableinitiatives and policies.

FT/IFC Sustainable Finance Awards 2012 Sustainable Global Bank of the Year

Beyond Sport Awards 2012 Corporate of the Year (Goal)

Euromoney Islamic Finance Awards 2012 Best Sukuk House

Football Business Awards 2012 Best CSR Scheme Award for The Perfect Match

GBCHealth 2012 Business Action on Health Awards Community Investment (Seeing is Believing)

The Asset Triple A Islamic Finance Awards 2012

Best Islamic Project Finance HouseAaj Tak Care Awards 2012

Best in Health Care for Seeing is Believing and WASHE in IndiaAsia Pacific Young Business Conference Awards 2012

CSR Leadership Award in MalaysiaAsia Responsible Entrepreneurship Awards 2012

Health Promotion in Southeast Asia (Seeing is Believing)

Asian Confederation of Business, Outsourcing Leadership Awards 2012

Best CSR practices in MalaysiaThe Asset Triple A Awards 2012

Best SME Bank in Vietnam, Hong Kong and KoreaThe Banker Middle East Product Awards 2012

Best SME Internet Banking Best SME Foreign Exchange Service


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Blue Dart - Star News Global CSR Awards 2012 Best in Health Care in India (Seeing is Believing)

Capital Outstanding Enterprise Awards 2012 Outstanding SME Bank in Hong Kong

Ceylon Chamber of Commerce 2012 Best Corporate Citizen in Sri Lanka (Seeing is Believing)

China Banking Association 2012 Best Practice of Social Responsibility Award Best Public Welfare and Charity Contribution Award

China CFO's Most Trusted Banks Awards 2012 Best Cross-border Trade Settlement

CIO Asia Awards 2012 Winning Project - Smart Card in Thailand

Dubai Chamber Awards 2012 Dubai Chamber CSR Label Mohammed Bin Rashid Al Maktoum Business

HM Government Payroll Giving Quality Mark Awards 2012 Payroll Giving Platinum Award in the UK

Hong Kong ICT Awards 2012

Certificate of Merit in Best Green ICT in Hong Kong

Korea Football League Awards 2012 Appreciation Award for Contribution to Youth Football Development

Taiwan Academy of Banking and Finance Awards 2012 HR Recognition in Taiwan

Elite Award in Taiwan

The Asian Banker Excellence in Retail Financial Services Awards 2012 Best Employee Engagement in Hong Kong


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CHAPTER5:

EFFORTS THAT MADESTORIES(CSR CASES)

All the case studies are compiled on then and there basis from standard chartered Bank website.

5.1 - Take a Brake Low Carbon Action, Hong Kong

Our Take a Brake (TAB) Low Carbon Action program aims to improve airquality in Hong Kong by encouraging a low carbon lifestyle and greenerdriving techniques.The program encourages all sectors of the community to become involved

and reduce their environmental footprint. One initiative was to encourage drivers in Hong Kong to leavetheir cars at home for at least one day each month and develop green driving habits to reduce theirvehicles' carbon emissions.

Support for the program

TAB has been well received by the business community and schools. Over 20 large corporations joined itsCorporate Green Driving Award Scheme and 4,000 young people were recruited as TAB ambassadors

to help make a difference in Hong Kong.The program is also a valuable opportunity to engage with different stakeholders. It is jointly organisedand implemented by Friends of the Earth (HK), Green Power and WWF-Hong Kong, and has the fullsupport of the Environment Bureau of the Government of the HKSAR.

5.2 - Investing in farmers in Zambia

In 2010, we helped Zambia secure the USD140 million loans it needed toimprove the countrys food supply.With the loan, the government bought around 470,000 tons of maize,providing Zambia with a reliable food reserve if faced with a drought or

other natural disaster.We also acted as an intermediary between the farmers, millers and traders, and the deal brokers, andensured a transparent market for 350,000 small-scale farmers.The agricultural finance deal has been hailed as a milestone in agriculture finance in Zambia, due to itssize and the creative approach of securing a market prior in advance of reviewing production and trade.


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5.3 - Giving a family their independence back

Like almost 30 per cent of people living in the slums of Dhaka inBangladesh, Jainab and her husband Abal cannot afford eye-care.Deteriorating eye sight meant they had to give up their jobs sellingvegetables at the local market and their children had to support them.While at their local mosque, Abal heard about a camp that provides free

eye-screenings and consultations. After visiting the clinic, both were diagnosed with bilateral cataracts.They were sent to the Islamia Eye Hospital, where they received successful surgeries at no cost. They cannow see and enjoy an independent life together.Our commitmentWe're committed to improving access to eye-care for those that need it. By 2020, we aim to raiseUSD100 million through Seeing is Believing, our global initiative to eliminate avoidable blindness.We aim to help more people like Jainab and Abal. The Dhaka Urban Eye Care Programme, run bySightsavers, is one of many clinics we fund through Seeing is Believing.

5.4 - PREVENTING CHILDHOOD BLINDNESS IN VIETNAM

We're helping restore the eyesight of children across Vietnam, thanks to a partnership with the FredHollow's Foundation.

Through Seeing is Believing partnership with the Fred Hollows Foundation, we've strengthened the quality,affordability and accessibility of eye-care services for children across Vietnam.Restoring the eyesight of children like Lien Thi LyThree year old Lien was suffering from vision problems as a result of cataracts, which her family couldn'tafford to get treated. Because of this, they thought she was going to be blind forever.However, through word-of-mouth, Lien's mother heard that there was a free child cataract surgerycampaign in the local hospital supported by our Seeing is Believing project. After a 20 minute surgery,

Liens eye sight was completely restored.Making a difference in VietnamThe project has recently finished, and through it we've:

Provided 20 hospitals with essential child eye-care equipment Trained 731 community health workers on primary eye-care Provided 251 children with eye surgery Screened 719,865 students Given 15,160 pairs of glasses to children.


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5.5 - Supporting malaria prevention

A leading cause of death in children under five, Malaria remains amajor health issue in Africa.Success in reducing the diseaseNetsforLife, an initiative we support, has reduced the rate of thedisease by 45 per cent in more than 5,000 communities across 17 sub-

Saharan African countries.The initiative has trained nearly 74,000 community volunteers to distribute nets and teach peoplehow to prevent malaria, since it started in 2006.As a result, more than 8.5 million malaria nets have been delivered to communities where malaria isprevalent and 25 million people have been educated about the mosquito borne disease. Throughits network of local churches, faith-based groups and NGOs, NetsforLife can access remotecommunities typically unreached by national health programs.Educating people about the diseaseNetsforLife is also seeing the benefits of community education which is leading to positivebehavioral change around the use of life-saving malaria nets.

According to the initiative: more than 85 per cent of households in the communities where it operates now own at least two

mosquito nets, compared to around six per cent of households in 2006 Nine out of 10 people are aware that malaria is caused by a bite from an infected mosquito

compared to four out of 10 people in 2006.Through the joint efforts of governments, health organizations and Non GovernmentalOrganizations like NetsforLife, there has been an overall reduction of global malaria-relateddeaths by one third in the last decade, largely as a result of the distribution of nets and raisingawareness of malaria prevention.

5.6 - Talking ATMs

More than 90 per cent of blindness occurs in developing countries and in

many of the markets where we operate. To make banking more convenientand inclusive for people with visual impairments, we recently introducedTalking ATMs in China, India, Indonesia, Korea and Pakistan.First of a kind

The first-of-a-kind in China and South East Asia, the ATMs allow customers to make cash withdrawals,change their PIN and check their balance through a voice activated system. Using a headset, customerscan listen to a pre-recorded voice that takes them through their banking options. Each ATM also has araised 5 to help visually impaired customers find the middle of the keypad.The ATMs were developed in consultation with our visually impaired employees as well as local eye-careorganizations.Improving access to financeChen Xian Shen, from our telesales team in China said In the past, I could only withdraw cash on workingdays under the guidance of bank staff and waiting in long queues. Now, I can do it anytime and it isgiving me more freedom.Steve Bertamini, Group Executive Director and CEO, Consumer Banking, said: Our Talking ATMs are oneof the many ways were improving access to finance and creating a more inclusive banking experiencefor customers.

(For more Cases Visit Standandchartered.com refer Case Studies in Sustainability Section).

corporate social responsibility of standard chartered bank

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