This is a story of how one branch of the Standard Chartered family helped another. It's also an example of the critical value of local expertise, of cultural sensitivity, of language and communication. It's not a happy story. It's a tragedy. But it's also a story of responsiveness, courage, care and concern.

'Most of the bars and tourist shops in Bali are located along Jalan Legian. At the time, two of the most popular bars were Paddy's Irish Pub and the Sari Club. Shortly after 11pm on Saturday, October 12, a dark minivan carrying over 50 kilograms of explosives was parked outside the Sari Club. Moments later a suicide bomber entered Paddy's Irish Pub. Once inside the club the bomber detonated the explosives in his vest. The first explosion drove hundreds into the streets. The terrorists then detonated the explosives in the minivan. Many who died in the second explosion were fleeing the first. The explosions killed 202 people. Eighty-eight Australians died. People from 22 different nations perished. Among those who died was Timothy Arnold. Timothy Arnold worked for Standard Chartered Bank in Singapore.'

Shaun Keating, another employee of the Bank, was in Bali with his friend Timothy to celebrate the end of the rugby season. He found out about the blast the next morning and set out to look for his friends….