STANDARD CHARTERED

SMALL & MEDIUM ENTERPRISES We understand your business is unique, so we offer solutions that address your specific needs. Transaction Banking A world leader in trade finance solutions, cash management and securities services. Working capital Working Capital How we can help facilitate your cash flow: Easy access to your cash Providing convenience for your business transactions with our award winning online banking platform (Straight2Bank), 24-hour phone banking services and branch access. Cash and trade solutions Giving solutions for you to make business transactions in an easy and timely manner. Your main transactional bank Offering you preferential pricing whenever you do more transactions with us. Cash Flow. Shouldn't it move smoothly? Your business' well being. Measured by wealth and health. A wealthy business with strong revenues and high profits may not be a healthy business. Especially if it lacks sufficient cash flow to address future working capital needs. Understanding you working capital cycle By managing your working capital efficiently, you can ensure an adequate cash flow to meet your short-term expenses and obligations. Your working capital is determined by three main factors: 1) Collections 2) Credit Terms 3) Inventory Management Facilitating smooth cash flow We recognise that collections and payments are more than financial transactions. They are fundamental to your business and its financial health. We have market-leading solutions to facilitate smooth cash flow to maximise its working capital efficiency. Our Payments, Collections and Trade Finance solutions provide certainty, control and convenience in managing your cash flow so you can focus on what really matters - growing your business. Available in: Bahrain Bangladesh Botswana Brunei China Gambia Ghana Hong Kong India Indonesia Jordan Kenya Lebanon Malaysia Nepal Nigeria Oman Pakistan Philippines Qatar Singapore South Korea Sri Lanka Taiwan Tanzania Thailand Uganda United Arab Emirates Vietnam Zambia Zimbabwe

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