1. StanleyChartered Home Plus Brought to you by: HomePlusConsulting Team Chia Sin Wei, Eileen Goh Mei Xuan, Casherine Koh Shu Xin Mah Ting Hui Tan Yen Ling Joyce Tan Jia Hui

2. Introduction… StanleyChartered Banking activities Same purpose as conventional banking Consistent with Principles of Islamic Law (Sharia) Prohibits RIBA Islamic banks formed in late 20th Century 2007 in Singapore Islamic Bank of Asis (IB Asia)

3. StanleyChartered Haram (Unlawful)

4. StanleyChartered Basic Terms…

5. StanleyChartered Home Plus

6. StanleyChartered TARGET SEGMENT?

9. Aims to capture huge market share

10. Leader Market Dominance Strategies

11. Reasons

12. To create a bigger impact on customer

13. Market dominance/leadership

14. Given sufficient funds to conduct large scale

15. Achieve economies of scale in long term

16. Reduce barriers of entry

18. StanleyChartered Marketing Mix : 4 P’s

19. StanleyChartered Product

20. StanleyChartered Home Plus Home Finance Insurance Premier Current & Savings Account Takaful Edu-Fund (optional)

21. StanleyChartered Price

22. StanleyChartered Fixed Rate (Inclusive of Insurance Premium)

23. StanleyChartered Variable Rate (Inclusive of Insurance Premium)

24. StanleyChartered Takaful Edu-Fund S$60 / Month

25. StanleyChartered Place Branch Network Fax Direct Mail Road shows Online Application

26. Promotion StanleyChartered

27. Posters StanleyChartered

29. Provide good quality service

30. Credibility achieve through word of mouth

32. StanleyChartered ThankYou

33. References StanleyChartered Islamic banking. (2009). Wikipedia The Free Encylpedia. Retrieved June 25, 2009, from http://en.wikipedia.org/wiki/Islamic_banking#Riba No gambling picture. (2009). Free Market foundation. Retrieved June 25, 2009, from http://www.freemarket.org/Img/no%20gambling.jpg Islamic Banking- What is Islamic Banking. (N.D.). Institute of Islamic Banking and Insurance. Retrieved June 25, 2009, from http://www.islamic-banking.com/ibanking/whatib.php See no more pork pictures. (2009). Photobucket. Retrieved June 25, 2009, from http://media.photobucket.com/image/no%20pork/ronpitt305/No-pork.gif No alcohol picture. (n.d.). Design of Signage system. Retrieved June 25, 2009, from http://www.designofsignage.com/

34. References StanleyChartered House. (n.d.). Yahoo! Singapore search. Retrieved June 25, 2009, from http://sg.images.search.yahoo.com/images/view?back=http%3A%2F%2Fsg.images.search.yahoo.com%2Fsearch%2Fimages%3Fp%3Dhouse%26b%3D19%26ni%3D18%26ei%3DUTF-8%26pstart%3D1%26fr%3Dyfp-t 101&w=691&h=518&imgurl=www.unblog.com%2Fscrapbook%2F2005%2Fimages%2Fhouse.jpg&rurl=http%3A%2F%2Fwww.unblog.com%2Fscrapbook%2F2005%2Fhouse.html&size=63k&name=house+jpg&p=house&oid=de72dd2276e34a7a&fr2=&no=19&tt=73194052&sigr=11f7mr334&sigi=11enimgi3&sigb=131496ke6&type=JPG Fire insurance picture. (2009.) Yahoo! Singapore. Retrieved June 25, 2009, from http://sg.images.search.yahoo.com/search/images?p=fire+insurance&fr=yfp-t-101&ei=utf-8&x=wrt Bank savings account picture. (2009). Yahoo! Singapore. Retrieved June 25, 2009, from http://sg.images.search.yahoo.com/search/images?p=bank+savings+account&fr=yfp-t-101&ei=utf-8&x=wrt&y=Search Education funds picture. (2009). Yahoo! Singapore. Retrieved June 25, 2009, from http://sg.images.search.yahoo.com/search/images?p=education+funds&ni=18&ei=utf-8&fr=yfp-t-101&xargs=0&pstart=1&b=163 Fax picture. (2009). Yahoo! Singapore. Retrieved June 26, 2009, from http://sg.images.search.yahoo.com/search/images?p=fax&fr=yfp-t-101&ei=utf-8&js=1&x=wrt

35. References StanleyChartered Four-Ps picture. (2009). Easy-Marketing-Strategies.com. Retrieved June 26, 2009, from http://www.easy-marketing-strategies.com/ What we do picture. (2008). United Auto Credit Corporation. Retrieved June 26, 2009, from http://www.upfc.com/images/whatwedo.jpg Directmail picture.(2007). F Space Creative Marketing Design Studio. Retrieved June 26, 2009, from http://www.fspacecreative.com/images/directmail.jpg Darren Magic picture.(n.d.). Flickr.com. Retrieved June 26, 2009, from http://farm1.static.flickr.com/109/299276993_fbfba2a635_o.jpg Email picture. (n.d.). Rice Unix Facility. Retrieved June 26, 2009, from http://www.ruf.rice.edu/~evolve/images/emailIcon.png Selling picture. (n.d.). Southern Wide City Real Estate. Retrieved June 27, 2009, from http://www.southernwidecity.co.nz/site/page_teams/ Newspaper picture.(2006). Mary Maden. Retrieved June 27, 2009, from http://www.marymaden.com/Newspaper.png

36. References StanleyChartered Press conference picture. (n.d.). Star Alliance The way the earth connects. Retrieved June 27, 2009, from http://www.staralliance.com/int/press/media_library/images/Star/large-images/20050602_Press_Conference_1785x1187_l.jpg Education loan picture. (2007). EMRA. Retrieved June 28, 2009, from http://www.emraloans.com/images/education_loan.jpg Families white picture.(2007). Photography by licata. Retrieved June 28, 2009, from http://www.photographybylicata.com/images/familes_white_3.jpg Family people.(n.d.). Writing Down Lola. Retrieved June 28, 2009, from http://writingjunkie.net/images/stlouis10-18-08/obama-family-people.jpg Employee picture. (2009). Yahoo! Singapore. Retrieved June 28, 2009, from http://sg.images.search.yahoo.com/search/images?p=employee&fr=yfp-t-101&ei=utf-8&x=wrt Marketing strategies picture. (2009). Yahoo! Singapore. Retrieved June 29, 2009, from http://sg.images.search.yahoo.com/search/images?p=marketing+strategies&ni=18&ei=utf-8&fr=yfp-t-101&fr2=sg-gac&xargs=0&pstart=1&b=55 Singapore bus stops picture. (2009). Yahoo! Singapore. Retrieved June 29, 2009, from http://sg.images.search.yahoo.com/search/images?p=singapore+bus+stops&y=Search&fr=yfp-t-101&ei=utf-8&js=1&x=wrt

37. References StanleyChartered Press release picture. (2009). Yahoo! Singapore. Retrieved June 29, 2009, from http://sg.images.search.yahoo.com/search/images?p=press+release&y=Search&fr=yfp-t-101&ei=utf-8&js=1&x=wrt Budget picture. (2009). Yahoo! Singapore. Retrieved June 29, 2009, from http://sg.images.search.yahoo.com/search/images?p=budget&fr=yfp-t-101&ei=utf-8&js=1&x=wrt Good quality service picture. (2009). Yahoo! Singapore. Retrieved June 29, 2009, from http://sg.images.search.yahoo.com/search/images?p=good+quality+service&js=1&ni=18&ei=utf-8&fr=yfp-t-101&xargs=0&pstart=1&b=37 Viral marketing picture. (2009). Yahoo! Singapore. Retrieved June 29, 2009, from http://sg.images.search.yahoo.com/search/images?p=viral+marketing&fr=yfp-t-101&ei=utf-8&js=1&x=wrt Price tag picture. (2009). Yahoo! Singapore. Retrieved June 29, 2009, from http://sg.images.search.yahoo.com/search/images?p=price+tag&js=1&ni=18&ei=utf-8&fr=yfp-t-101&xargs=0&pstart=1&b=19

38. References StanleyChartered Prices picture. (2009). Yahoo! Singapore. Retrieved June 29, 2009, from http://sg.images.search.yahoo.com/search/images?p=prices&ni=18&ei=utf-8&fr=yfp-t-101&xargs=0&pstart=1&b=1 Education picture. (2009). Yahoo! Singapore. Retrieved June 29, 2009, from http://sg.images.search.yahoo.com/search/images?p=education&js=1&ei=utf-8&fr=yfp-t-101&xargs=0&pstart=1&b=19&ni=18 Banking activitys picture. (2009). Yahoo! Singapore. Retrieved June 29, 2009, from http://sg.images.search.yahoo.com/search/images?p=banking+activities&fr=yfp-t-101&ei=utf-8&x=wrt Islamic Banking picture. (2009). Yahoo! Singapore. Retrieved June 29, 2009, from http://sg.images.search.yahoo.com/search/images?p=islamic+banking&js=1&ni=18&ei=utf-8&fr=yfp-t-101&xargs=0&pstart=1&b=55 Islamic law picture. (2009). Yahoo! Singapore. Retrieved June 29, 2009, from http://sg.images.search.yahoo.com/search/images?p=islamic+law&js=1&ni=18&ei=utf-8&fr=yfp-t-101&xargs=0&pstart=1&b=73 Questions picture. (2009). Yahoo! Singapore. Retrieved June 29, 2009, from http://sg.images.search.yahoo.com/search/images?p=questions&ei=UTF-8&fr=yfp-t-101&xargs=0&pstart=1&b=19&ni=18