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Individual entry by Kiran Kumaranayakam - Random act of kindness
( gave money to homeless to buy food)

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5 innovations that didn't pick up in banking industry

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We discussed and drew a photo on how that man is resilient enough to keep holding upon the wooden logs and not giving up.

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My top strengths, weaknesses and how I have reflected upon to improve them

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My interview with Jess
- Alexandra Davis

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When I go grab my dinner, I came across one of the building security guards off-work. I bought him a bottle of tea to thank him for working very hard even in the extreme weather and flood in Hong Kong.

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Reflection log

Done By:
Sharon Nungari.

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Buying a stranger a soda since it’s a hot day outside.

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The team tackling the equilibrium challenge

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Meet Grace, a staff member at the cafeteria. I assisted her in tidying up the conference room and returning the dishes to the cafeteria after the Futuremaker's meeting.

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Bought grapes to share after work with my neighbour. She has requested to not show her face.

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The simulation allowed me to understand the bank's unique challenges and strategies in optimizing its tangible equity. It provided insights into StanChart's financial trajectory and how RoTE serves as a critical metric in assessing its capital efficiency and overall profitability. The in-depth decision making procedures allowed me to appreciate the complexities involved in optimizing RoTE and balancing this off with several aspects, and of course the importance of return metrics in driving business decisions.

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D4IR3 - Personal Strengths and Weaknesses

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D4IR3 - Personal Strengths and Weaknesses

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Alexandra, Trevor, and Holly all based in the East worked together after collaborating with our colleagues in the west

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Enjoyed the last glimpse of Happy Friday despite the weather in HK. Give a tissue to a person sitting in the other table for him to tidy up.

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The consensus from people around me is that my top strengths are that I am hard-working, adaptable and meticulous, especially on stuff that requires a high level of attention to details. As to areas I should improve, I need to be better at dealing with imperfections in general and express my disagreements and thoughts more. I can leverage my strengths to excel at work and strive to have better performances. As for my areas of improvement, I need to improve my communications in order to articulate myself better to minimize possibilities of conflicts arising due to miscommunications.

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Joe is a driver on Yango which is like the Uber App here in Ghana. I met him on street just near the office. He was walking to get transportation from a near by bus stop. He was on his way to pick up the car from the owner he works for. I decided then to pay his transportation fee.

This was a good experience, I believe I should helping more often. He was grateful and it gave me joy to help.

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reflection log

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Reflection log

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Equilibrium game

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Equilibrium game.

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huiying's strengths and area of improvement + reflection

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Spelt out resilience using our bodies

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I asked my friends and family about my strength and weaknesses. There were a few things that stood out.

Strengths that run through:
Empathy, Assertiveness, Curiosity, Critical Thinking, Leadership and Communication.

These to improve on that run through:
Lack of effective time management, lack of confidence in my abilities and shying away from opportunities.

Everything that said is true and I know that there is always room for improvement, with both my strengths and weaknesses.

I myself have observed these attributes but now that I know that it is evident among my peers, it means I can work on it and make it better.

I believe that the feedback given will help me massively in my career journey with the bank.

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Interview about ROTE

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2 Key Takeaways:

o   Return on Equity should be made a standard across the banking sector, as a measure of financial performance. It is a more holistic metric that can be a guideline when making decisions, when aligning with the interest of all stakeholders, and demonstrates a clear correlation with returns and share price growth.

o   Integration when selling products will be crucial to increasing returns and limiting cost when considering ROTE in the future. This is because it reduces the acquisition/transition costs of new clients, whilst opening new revenue streams

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Went out to the streets and bought fresh juice and bagger to a random street vendor who roasts corn by the road side. He was quite happy and said he would carry it home to gift his daughter since it's her birthday!

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Kenyatta University and a few other affluent private High schools partnered with some of the local banks in Kenya to provide these cards to students. These cards typically serve multiple purposes, including access to campus facilities (such as dormitories, libraries, and gymnasiums) and as a payment method for various services on campus, including dining, photocopying, and even as a form of student ID.

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I was trying to come up with something out of the box, right then I remembered that the daughter of our building security just started primary school in Dhaka. Thought of gifting her the thing I liked the most growing up!

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D2PD4 - Question 4 (Emmanuel Oshiomhole)

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Whilst going out to dinner, I overheard a couple of tourist wondering where the nearest MTR station in the area was. Since the restaurant I was headed to was near the MTR station, I offered to walk them there and to let them know what fun things they can do whilst they were in Hong Kong. After walking them to the station, I also helped them buy tickets to TST and explained how to top up an octopus card if they wanted to get 1 eventually.

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Bought ice cream for a stranger on my way home

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Random act of kindness (Bought her chips)

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Treated Mr. Sadik with a donut! He works at a 5 star hotel in Bangladesh.

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“Greener Initiatives impact the Bank’s ROTE positively”
-Ibidunni Aluko; 2023

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In the office building hallway, I noticed a guy frantically patting his pockets and looking distressed. When I approached, the guy explained he had lost his AirPods. Without hesitation, I activated my phone's Bluetooth scanner and began searching for nearby devices. Soon, I spotted the lost AirPods hiding in the corner and handed them to him. He was very grateful, and I’m glad I could lend a hand to a person in need

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Strengths and areas to improve on.

Faith Mwaniki (Kenya)

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By Chariton

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Bought the gorgeous lady a chocolate to share the pleasure and wish her a good day!

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It is a rainy day in HK, and I run into this guy who is looking for the taxi station near my home, so I game him the direction and took this photo.
By Chariton

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Strengths and areas to improve - individual challenge

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I have checked in with 5 people in the UK IG cohort and asked them what are my top strengths and weaknesses.
They told me my strengths are my positivity and resilience towards difficult tasks. On the other hand, they told me I could improve my contribution and speak up when it comes to teamworking tasks.
This helped me a lot, and I believe I can use this feedback to strengthen my strong points and improve my weaknesses and apply them to my work.

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Overheard him complain of a stomach upset and being unable to eat. Dashed off to a nearby pharmacy to get him some over-the-counter relief medication. He was pleased. #Random Act of Kindness

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3of3

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2 of 3

Played the game with a colleague

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1 of 3

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An innovative banking idea in my country is a stand-alone, digital-only bank. This is a type of bank that operates entirely online. Customers can access their accounts and services through a mobile app or a web, and use various digital channels to communicate with the bank, such as chatbots, video calls, or social media.

Timo is the first digital-only bank in Vietnam. It offers a range of banking products and services. It also provides various features and benefits to its customers.

It can potentially be adopted in SC because of:

lower costs: save on the operational and maintenance costs of running a physical network of branches and staff.

higher convenience: provide 24/7 access and service to its customers.

greater inclusion: reach out to more potential customers, especially those who are underserved or unbanked by traditional banking system.

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There was a rainstorm today so we couldn’t go to the office. I have run into a lady at a restaurant near my home who need help moving cartons in the rain, and I help her with the work.

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Singing Happy Birthday song to him

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D4LR4 Got coffee for someone I met at the pantry 

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D4LR4 Got coffee for someone I met at the pantry 

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We would like to represent “resilience” using “spiderweb” as we believe no matter what kind of enemies or obstacles spider met, they will always rebuild the web!

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Bought the security guard madam some dessert.

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Bought the security guard madam some dessert.

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She also recently joined SC and I shared my snack with her.

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HSBC HK Easy Invest Mobile Application is known as the first bank in Hong Kong to provide service for customers to buy and sell Bitcoin and Ethereum ETFs listed on the Hong Kong Exchange. On top of that, HSBC also launched the Virtual Asset Investor Education Center to educate investors prior making their investments. Standard Chartered may consider expanding more local investors' exposure to cryptocurrencies investment in Hong Kong via SC Invest Online.

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Helped out Grace set up breakfast for a meeting today and had a little chat :)

Faith Mwaniki (Kenya)

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Met this inspiring business leader in a cafe and bought her a coffee.