I'm the one who posted the bullcrap response. I grad from uol with 2nd upper in bnf. My start was 3 with annual hitting 45k minimum (1 month aws + 2 months guaranteed). I said bullcrap because previously i was in local bank for a mere 2 months, so i know the market rate. But it is still possible to get starting pay of 3k outside local banks. Now uob ocbc dbs are all hiring for contract positions only. needless to say, i'm not in a local bank. while we are here fighting for a high starting salary, there are local uni grads in bulge bracket IBs Back office earning as high as 70K per annum excluding bonuses. we are just pathetic.........................