Ubl lahore...

Subject:

Banking & Finance

Topic:

United Bank LimitedSubmitted to;

Prof. Riaz Ahmad Mian

Submitted by:

M. Abdul Ghafar M14MBA 005M. Azeem Shahzad M14MBA 037Asad Mahmood M14MBA 046

HAILEY COLLEGE OF BANKING & FINANCE, UNIVERSITY OF THE PUNJAB.

MBA Banking & Finance (Morning) 1st Semester

Session: 2014-18

HAILEY COLLEGE OF BANKING & FINANCE, UNIVERSITY OF THE PUNJAB.

United Bank Limited Pakistan

Hailey College of Banking & Finance, University of the Punjab Lahore. of 62


UNITED BANK LIMITED



Table of Contents

1. Overview of UBL; a) UBL Messageb) Historyc) Visiond) Missione) Board of Directorsf) Code of Conductg) Addresses and other Information

2. Organizational Structure:

3. UBL Products (Banking) (1) Consumer Loans

(a) UBL Home Loan Facility(b) UBL Drive ( Auto Loan)(c) UBL Silah Milah

(2) Card Products(a) UBL Wiz(b) UBL MEGA Wallet(c) UBL Credit Card

(3) Deposit Products(a) UBL Business Partner(b) Business Partner Plus(c) UBL Rupee Transitional Account(d) UBL Uniflex(e) UBL Unisaver(f) UBL Profit Certificate of Deposit (COD) (g) UBL UniZar Foreign Currency(h) UBL FCY UniFlex(i) UBL Regular Deposit Receipts



(j) UBL Special Notice Deposit Receipts(k) UBL Basic Banking Account(l) UBL First Minor Saving Account

(4) Priority Banking(5) Retail Asset Products

(a) Agricultural Loans(b) Small Loans

(6) Corporate Banking(a) Services

Funded Non-Funded

(b) Relationship Banking(c) Customer Services(d) Product Range

Corporate Finance Finance / Credit Extension Trade Investment / Cash Management

(e) Deal Credentials(7) Investment Banking

(a) Debit & Capital Markets(b) Project & Structured Finance(c) Equity & Advisory

(8) Treasury & Capital Market(a) Foreign Exchange Desk(b) Money Market Desk(c) Derivative Desk(d) Liquidity Desk(e) Capital market Desk(f) Corporate & Institutional Desk(g) Foreign Exchange Sales(h) Fixed Income Sale

(9) Omni Branchless Banking(10) UBL Net-Banking(11) UBOnline



(12) UBL Ameen (Islamic Banking)(13) UBL Go Green products(14) International Bank Account(15)

4. NRP Services (1) UBL Click N Bank(2) UBL Click N Remit(3) UBL Tezraftaar(4) UBL Tezraftaar Account Services(5) UBL Tezraftaar Pardes Card(6) NRP Direct(7) Global Remittance Partners

5. SWOT Analysis 6. PEST Analysis 7. Financial Analysis 8. Conclusion



ACKNOWLEDGEMENTNo Doubt, Allah is the main source of knowledge and wisdom. He is omnipotent as well as omniscient. This is very famous saying of the Holy Prophet (PBUH) that I’m the city of knowledge and Hazrat Ali (R.A) is the door of this city. It is a great blessing of Allah, that He enabled us because of Holy Prophet (PBUH) that we are presenting our humble contribution for the distribution of knowledge.We are very thankful to our respected teacher Prof. Riaz Ahmad Mian, who gave us the opportunity to study about the United Bank Limited.

Thank you!M. Abdul GhafarM. Azeem ShehzadAsad Mahmood

United Bank Limited

UBL message



At UNITED BANK LIMITED, UBL value their people as their greatest asset. This philosophy is on the basis of their focus, Commitment and Long-term Investment in the people that form this great institutionUBL believes in hiring bright, talented, highly motivated and driven individuals across their business and geographies. Their selection process, by necessity, is challenging and one that ensures that their standards for excellence are maintained. The diversity and performance of their business provide a wide spectrum of exciting career opportunities for right individuals. Their leading market position and their ambitious vision for the future ensures their long-term commitment to provide the highest quality training and work-place practices for all their employees.

Their vibrant and competitive culture will bring out the best in you; their performance driven reward mechanism will derive the employees to perform beyond their estimation.

We look for the bright future – and the best among you have a unique opportunity to be a part of it.



UNITED BANK LIMITED

About UBL:United Bank Limited is one of the largest commercial banks in

Pakistan having more than 1,320 online branches inside the country. Its 17 branches outside the country are in the United States of America, UAE, Bahrain, Qatar and Republic of Yemen. Its ha also representative offices in Tehran, Iran, Beijing, China, and Almaty, Kazakhstan. It owns subsidiaries in the UK (United National Bank Limited), and in Zurich, Switzerland.

History of UBL:United Bank Limited was incorporated in Pakistan on 7th

November 1959. Agha Hassan Abedi was the founder of the bank. By June 1960, soon after the incorporation the Bank had branches in:



Karachi Lahore Faisalabad (Layallpur) Dacca Chittagong and Narayanganj.

In 1960 UBL became the first bank in Pakistan to have an overseas branch (William Street in London) United Kingdom.Saving Schemes:

The first saving scheme for school going children was launched as early as 1960 or the formation of Pakistan’s first Staff College of employees in 1964.In 1967 UBL had hit dawn on information in terms of technology, by introducing computer banking to Pakistan.Supervised Credit:

UBL also launched supervised credit and small loan schemes for small to medium size firms as well as agriculture and had made for itself a strong international presence for it had branches in 4 Continents.Nationalization:

In 1971 the Government of Pakistan nationalized the bank. In 2002, the Government of Pakistan sold it in an auction to a consortium of Abu Dhabi Group and Best-way.Merger:

In 2002, the bank merged its operation in the United Kingdom with those belonging to National Bank of Pakistan to form United National Bank Limited. United Bank owns 55% of the joint-venture and National Bank of Pakistan owing the reminder.

Vision: “To be a world class bank dedicated to



Excellence, and to surpass the highestExpectations of our customers and all other stakeholders”

Mission:

“Our mission is to serve customer’s social, commercial, corporate needs and ensure their full satisfaction through product innovation, personalized banking and top services”

Board of DirectorsSir Mohammad Anwar Pervez.Chairperson:Sir Mohammad Anwar Pervez is the chairman of the board of Directors of United Bank Limited since December 2013. He is also the chairman of Best-way Group UK and its subsidiaries.Sir Anwar began his career in food business in 1963 when he opened a mini supermarket in London. He ventured into the wholesale business in 1976 and has been responsible for growing Best-way Group into the seventh largest family business in the UK.

Mr. Zameer Mohammad Choudery



DirectorMr. Zameer Mohammad Choudery has been a Member of the Board of Directors of United Bank Limited since October 19, 2002. He is Chairman of the Board Audit Committee. He is also a Director of UBL Insurers Limited.He is Chief Executive of Best-way Group which is the 7th largest family business in UK. Mr. Zameer is a Chartered Accountant by profession.

Mr. Haider Zameer ChouderyDirectorHaider Zameer Choudery becomes the director of United Bank Limited in March 2014. He has the distinction of being the youngest director of any listed bank in Pakistan. Haider is a Charted Accountant by profession.Between October 2009 and October 2012 Haider undertook his Accountancy training at KMPG, UK LLP.

Mr. Rizwan PervezDirectorMr. Rizwan Graduated from the University of Pittsburgh, USA in 1990 with a BSc in business management.He then trained with a leading UK firm Charted Accountants and qualified in August 1995. Rizwan is a member of Institute of Charted Accountants in England & Wales. He joined Bestway as a financial accountant in 1995 and was elected to the Board of Directors in January 2000 as a Group Business Development Director.



Mr. Amin UddinDirectorMr. Amin Uddin was appointed Member, Board of Directors of United Bank Limited with effect from March 5, 2009. He is member of Board Audit Committee of UBL.

He has over 40 years of banking experience in Pakistan, Middle East, Europe, Africa and Canada.

Mr. Arshad Ahmad MirDirectorMr. Arshad Ahmad Mir, appointed as member of Board of Directors with effect from 26 October 2009, has over four decades of extensive corporate experience in financial services, oil industry, management consultancy, manufacturing and wholesale distribution businesses.

Arshad Mir is a member of Institute of Chartered Accountants and Institute of Bankers UK.

Zaheer SajjadDirectorMr. Zaheer Sajjad was appointed as a Director of the United Bank Limited in MARCH 2014. He is also a member of the Human Resource Compensation Committee of the UBL.

Mr. Khalid Ahmed SherwaniDirector

Wajahat HusainPresident & CEOMr Wajahat Husain, the newly appointed President and CEO of UBL.



He is a director in the Bank’s International Subsidiaries and Associate Company; UBL (Switzerland) AG, United Bank UK, UBL Bank (Tanzania) Ltd and a member of the Committee of Shareholders Representative Oman United Exchange Company LLC.



Organizational Structure


Chairperson

Deputy Chairperson

Officer Grade- I

Vice President

Executive VP

SEVP

Managing Director

Executive Committee

Board of Directors

Non-Clerical Staff

Clerical Staff

Officer Grade- II

Officer Grade- III


Company Information

Registered Office: Head Office:State Life Building No.1, 13th Floor, UBL Building, I.I. Chundrigar Road, Jinnah Avenue, Blue AreaKarachi – 74000, Pakistan. Islamabad.

Company Registration # National Tax #0001026 0801164-8

Contacts:UAN : 111-825-111Contact Center: 111-825-888 Website: www.ubldirect.comEmail : [email protected]


mailto:[email protected]

http://www.ubldirect.com/


UNITED BANK LIMITED

UBL ProductsConsumer Loans:An amount of money lent to an individual for personal, family and household purposes. Consumer loans are monitored by Govt. regulatory agencies for their compliance with consumer’s protection regulations.

(a) Home Loan Facility.UBL address empowers you to become the proud owner of a home by offering a variety of products and pricing options that are flexible



yet affordable. All products are amortized and range over a tenor of 3 to 20 years. This facility is provided for:

Buying a home Building a home Construction Floating Rate

Eligibility Criteria: Pakistani Resident Minimum monthly salary Rs.50,000 23 to 65 Years of age Pakistani resident Businessman/ professional or salaried individual Minimum loan size Rs.500,000

(b) UBL Drive (Auto Loan)

UBL Drive is a unique auto financing product offering features, options and flexibility unmatched by any other bank. Fixed and floating rates are offered to the customers. Floating rate is linked with KIBOR.New Car Financing:

UBL Drive allows you to drive your own car by making a down payment of 20% and to top that with low monthly installments.

Pricing plan:

Tenure 1 to 2 years 3 to 4 years 5 yearsRate 20% - 21% 20.5% - 21.5% 21% - 22%



Used Car Financing:With UBL used car financing you can buy your favorite used car (up to 5 years old) at affordable rates.

Pricing Plan:

Tenure 1 to 2 years 3 to 4 years 5 yearsRate 21% - 22% 21.5% - 22.5% 22% - 23%

(C) SILAH MILAH

Customers, who maintained good credit history with any Pakistani bank on consumer products can qualify, based on a certain threshold of credit bureau scores. These customers are being offered rate breaks and rewards upon qualifying for UBL consumer products.

Rate Breaks

Product Existing rate Revised Silah Milah rate

Discounts (for first year only)

UBL credit card 39% 36% 3%UBL credit card- BTF(balance transfer facility

24% 21% 3%

UBL Drive for existing deposit relationship- Standard Plan

1 year KIBOR + 4.5%

1 year KIBOR + 4%

0.5%

UBL Drive for 1 year KIBOR 1 years 0.50%



existing deposit relationship- Used Car Financing

+ 5.50% KIBOR + 5%

UBL Drive for new to bank customers – Standard plan

1 year KIBOR + 5.50%

1 year KIBOR + 5%

0.50%

UBL Drive for new to bank customers – Used Car Financing plan

1 year KIBOR + 6.50%

1 year KIBOR + 6%

0.60%

2. Card Products

(a) UBL Wiz

UBL wiz is Pakistan’s first VSIA Debit Card that provides security, convenience and benefits of an ATM and Debit Card internationally and locally. Features and Benefits

Available to all CNIC holders 24x7 Contact Centre UBL wiz- Your ATM Card Online Shopping Other Facilities

Mini statement payments UBL e-statement facility Balance enquiry



(b) UBL Mega Wallet

A revitalized and colorful design beckons you to a mega experience of power and reward. Every time you use your card to withdraw cash or conduct a transaction you will be rewarded with points that can be redeemed for exciting gifts.Features and Benefits

Available to all UBL account holders Nine supplementary cards 24x7 Contact Center UBL Mega Wallet your ATM UBL Mega Wallet your Debit Card Fund Transfer Mega usage Mega reward

(c) UBL Credit CardsWe offer you a range of exciting and innovative cards that

is not only powered by the security of chip but also enable you to personalize it any way you want. It includes following card:

UBL Credit Card UBL Galleria UBL PSO Auto Credit Card UBL Platinum

UBL Credit Card

It is Pakistan’s first chip credit card that guarantees you both enjoyment and high value. It assures you global acceptability in



more than 22 million establishments worldwide in 130 countries and in more than 25,000 outlets in Pakistan.Chip based credit card have globally proven to be the most secure way of conducting credit card transactions. This unique high tech Chip guarantees your financial security while conducting transactions on credit cards, both within Pakistan and around the world.

UBL Galleria

Being different was never so easy. Now UBL Credit Card gives you the flexibility to make a statement by letting you design your credit card in almost any manner you want. Galleria, by UBL Card’s is Pakistan’s first picture credit card that gives you freedom of choice and expression as you can customize it with you favorite image and make your credit card as unique as you.

UBL PSO Auto Card

With the introduction of UBL PSO Auto Credit Card, there is no limit to what your credit can do.Amongst its many exciting and unique features, your UBL PSO Credit Card provides access to more than 22 million establishments worldwide including more than 22,000 retail outlets including selected PSO stations within Pakistan, and above 78,000 ATMs for cash withdrawal worldwide. Rewards:



5% cash back is applicable if the PSO UBL Auto Credit is swiped at PSO Service Stations only. (5% cash back will be subject to a maximum of Rs.1250/- per customer per month.)

1% cash back is applicable if the PSO UBL Auto Credit Card is swiped at other fuel stations. (1% cash back will be subject to a maximum of Rs. 1,000/- per customer per month)

UBL Platinum

UBL Platinum card is designed to compliment your lifestyle with credit limits befitting your stature, accompanied by the highest levels of service, unmatched rewards and myriad benefits, a symbol of your past success, your achievements and future ambitions.

Airmiles Reward Points:While redeeming your Airmiles Reward points for travelling and lodging services, you have the following options.

Redeem the entire Airmiles reward points earned to purchase air tickets.

Use your accumulated Airmiles reward points for part of the purchase and pay the balance amount through your UBL Platinum Credit Card.

(3) UBL Deposit ProductsOur deposit product offers an eclectic mix for all type of financial requirements. Whether you are an individual interested in opening a saving account, or a businessman wanting to maintain a foreign account, or a small business with a requirement of a business account to your daily transactions, our deposit products offer you the range you require.



(a) UBL Business Partner

Unlimited Real Time Online Banking: Access your account from over 1300 online branches in over

more than 400 cities all across Pakistan for unlimited online transactions.

Instant Cash Deposits & Withdrawals Country Wide Instant Funds Transfer Issuance of Pay Order, Demand Draft & Telegraphic Transfer Speedy clearing and collection of any non UBL cheque in any

Online UBL branch Statement of Account Issuance / Balance Inquiry / Stop

Payment of ChequesConvenience of 9:00 am - 5:30 pm Non-Stop Full Service Banking:

Convenience of 9:00 a.m. to 5:30 p.m Non Stop Banking from Monday to Thursday, 9 a.m. to 1:00 p.m. & 2:30 p.m. to 6 p.m. on Friday and 9 a.m. to 1:30 p.m. on Saturday (selected branches only)

Rupee Deposits & Withdrawals (both cheque & cash) Issuance of Pay Order, Demand Draft & Telegraphic Transfer Locker Access Utility Bills Payment Consumer Loans / Credit Card Payment Statement of Account Issuance & Balance Inquiry Issuance of Rupee Traveler's Cheques

(b) UBL Business Partner Plus

The UBL Business Partner Plus is a unique product with multiple benefits. It is a specialized current account, which aims at providing the necessary tool for individuals, traders, businessmen and commercial customers.



On maintaining a monthly average balance of Rs. 25,000 or more, avail a host of free services including:

Unlimited number of cash withdrawal & deposit transactions through any UBL branch

Unlimited number of online funds transfers transaction country wide

Mega Wallet ATM Debit Card Issuance Unlimited number of Cashier's Cheque Issuance of cheque book Cancellation of Cashier's Cheque UBL Go-Green SMS Alert

Note: Minimum balance charges of Rs. 50/- will be charged monthly if monthly average balance falls below Rs.25,000.

(c) UBL Rupee Transactional AccountIf you choose to keep a deposit in a secured savings account which also gives an attractive rate of return, then UBL's PLS Savings Account will serve all your financial needs. By keeping your deposits in UBL's PLS Savings Account you can also avail the following services:

Special features: No limitation on withdrawals Share of profit is credited on half-yearly basis Profit is calculated on monthly average balance

(d) UBL UniFlexUBL has introduced a checking account ideal for rate conscious individuals, traders, organizations, monthly savers and customers who want transactional flexibility. You can now afford an amazing rate of return, plus value added benefits only available from the UBL UniFlex PLS Savings Account.



Remarkable rate of return Convenience of a cheque book Power of Wallet VISA ATM / Debit Card Online Banking Facility

UniFlex Rates & Tenors:Four rate tiers are offered to UniFlex customers:

Average balance of the month(Rs.)

Projected Rates January 2015

0 - 10,000 6.5 %10,001 – 100,000 6.5 %100,001 – 500,000 6.5 %500,001 – 1,000,000 6.5 %1,000,001 – 10,000,000 6.75 %Above Rs.10,000,0000 7.00 %

(e) UBL UnisaverUBL UniSaver Account is an innovative way of serving your banking needs. Be it trade, business or personal finance, the UBL Unisaver, allows you maximum flexibility, yet gives you optimum returns.

Special Features:

Profit payment is on six monthly basis Backed by the bank awarded AAA Credit Rating Innovative and flexible checking account Profit is calculated on monthly average balance

(f) UBL Profit Certificate of Deposit: (COD)Now you can earn a higher income on your surplus cash by investing it in Certificate of Deposit which helps you earn extra income with



your hard earned money, while providing absolute trust and security.

Two types of payment options High and stable rate of return Security Wide choice in tenor of deposit 3month to 10 Years Easy availability Easy available financing

(g) UBL UniZar Foreign Currency Savings Account:UBL UniZar Foreign Currency Savings Account is ideal for those customers and individuals who wish to maintain a secure foreign currency transactional account which also provides a return. It is available in 5 leading currencies: US Dollar, British Pound, Euro, Saudi Riyal and UAE Dirham.

Special Features:

Profit calculation is on the basis of minimum monthly balance touched during a calendar month

Profit payout bi-annually No cash handling charges (US Dollar, Euro, Pound Sterling,

UAE Dirham & SAR) No restriction on minimum number of transactions. Zakat is exempted

Minimum Deposit Required:

USD: 500 EURO: 400 AED: 2,000 GBP: 300 SAR: 2,000



(h) UBL UniZar Foreign Currency Current AccountUBL UniZar Foreign Currency Current Account is ideal for those customers and individuals who wish to maintain a secure foreign currency transactional account. It is available in 5 leading currencies: US Dollar, British Pound, Euro, Saudi Riyal and UAE Dirham.

Special Features:

No cash handling charges (US Dollar, Euro, Pound Sterling, UAE Dirham & SAR).

No restriction on minimum number of transactions. Zakat is exempted. Free Accidental Death and Disability Insurance Coverage

up to Rs. 2.5 million.

Minimum Deposit Required::

USD: 500 EURO: 400 AED: 2,000 GBP: 300 SAR: 2,000

(j) UBL FCY UniFlexUBL has introduced a checking account ideal for rate conscious individuals, traders, organizations, monthly savers and customers who want transactional flexibility. You can now afford an amazing rate of return, plus value added benefits only available from the UBL FCY UniFlex, the Best Foreign Currency Savings Account.

Special Features:

Amazing tier-based profit rates Ease of cross-currency conversions Monthly profit payment on average balance.



Available in US Dollar, Pound Sterling, Euro and UAE Dirham.

(k) UBL Regular Term Deposit ReceiptIf you wish to make a secured long term investment, UBL’s Term Deposit Receipt is the smart choice, just make an investment and see your deposit grow over time. By investing in UBL Term Deposit Receipts:Special Features:

You get an attractive rate of return Your profit is paid monthly on a floating rate based on

money market conditions You can avail the Rollover or Renewed option at any time

before encashment You can get your TDR en-cashed at any time before

maturity period

(l) UBL Special Notice Deposit ReceiptsIf you wish to park funds for a short term period then UBL offers Special Notice Deposit Receipts (SNDR). Special Notice Deposit Receipts are daily profit products with fixed notice period (7 Days and 30 days) and periodical profit payouts, governed under the rules of the profit and loss sharing (PLS) system.

Special Features:

Attractive rates of return Secure investment Profit will be given upon encashment Availability of options to invest funds for 7 days and 30

days

(m) UBL Basic Banking AccountTo accommodate the banking needs of low income groups, United Bank Limited is pleased to launch the UBL Basic Banking Account



Scheme (UBL BBA) from February 25, 2006 across its branch network all over Pakistan.

This is primarily aimed toward helping the low income group to benefit from the banking services without having the pressure to maintain specific balance amount with the banks.

Features:

The minimum initial deposit at the time of account opening is to be Rs. 1,000/-

Basic Banking Account will be a current account All Business Partner waivers allowed if minimum balance

requirement condition as per SOC is met by the account holder

All other banking services provided will be charged as per the prevailing SOC

The statement of account will be issued once a year for UBL BBA customers in June. Issuance of duplicate statement will entail a charge of Rs. 50/- as per SOC

Like the regular Current accounts, UBL BBA will also be Zakat Exempt accounts

(n) UBL First Minor Saving AccountUBL First is a savings account opened on behalf of a child in the name of the father or mother or a court-appointed guardian and the minor.UBL First is designed especially for children and aims at becoming every child's first bank account, helping inculcate a savings habit. It is tailored to meet a child's future financial needs in a planned and convenient manner.Special Features:

Every account holder is entitled to a welcome pack Two VISA ATM Debit Cards are provided Account opening, birthday and account anniversary

surprises Free E-statements



The account holder is entitled to value added services that include Internet Banking facilities

No minimum balance penalty levied on the account

Rules and Regulations:

UBL First Account can be opened for any child aged between one day and 18 years

UBL First Account can be opened with a minimum amount of PKR 100/-. There is no limit on the maximum amount of investment

The cheque book (for the principal account) and the Pocket-Money Card will be issued jointly in the name of the minor and the father/mother/ guardian

The facility of online use of Debit Cards will be available once registration procedures have been duly completed

Profit is calculated on monthly average balance Detailed Terms & Conditions can be viewed in the account

opening form

(4) Priority BankingSignature, UBL's Priority Banking service is uniquely designed to meet the highest expectations of our high potential, high net-worth clients; wherever you may be. Launched as an independent brand, Signature offers focused and personalized Wealth Management Services for selected, high net-worth individuals in a completely secure and congenial atmosphere. Being preferred customers, our clients will be given exclusive benefits, free services and a range of value added facilities.

(5) Retail Asset Products(a) Agricultural Loans

With over 20% of Pakistan’s GDP accounted for by agriculture, UBL realizes its significance to the country’s economy. That is why the bank offers a vast and diverse mix of agricultural based finance products.



Whether it is production related financing for major and minor crops across the country or developmental requirements for land; purchase of equipment or machinery or livestock financing – UBL has an agricultural product tailor-made to any requirements.

(b) Small LoansUnder the Small Business Scheme, UBL is providing loans on easy terms to those who wish to set up their own small-scale business. This scheme is aimed at spreading prosperity in the country by reducing unemployment.

As more and more people start their own industrial units, the country will move steadily towards economic self-reliance.

(6) Corporate BankingThe Corporate Banking Group (CBG) department of UBL defines corporate banking in Pakistan. Amongst the local banks UBL CBG is the pioneer in providing innovative solutions to its diversified and satisfied customer base.

The Corporate Banking Group focuses on attracting and servicing large portfolio customers. Our forte is providing exemplary customer service using the "Single Window" concept and product superiority.

(a) Services:

Funded

TFC Investment Bridge Financing Commercial Papers Syndicated Financing Financing Against Liquid Securities Securitization Lease Financing Short Term, Treasury Lines Working Capital Financing



Non Funded

Letter of Credits Letter of Guarantees Standby LC’s Export Finance Facilities Pre & Post Shipment Financing Cash Management Services

(b) Relationship BankingThis forms the pillar of our strategy as it is the primary tool towards providing you full satisfaction. Relationship Banking involves:

Assessing and understanding customer needs Providing you advice on your business needs Helping you find viable financial solutions for your

business problems Acting as the primary contact for you

(c) Customer ServicesWe believe in customer retention through quality service that would encourage you to continue to bank with us your loyalty.Our UNISERVICE concept strives to attain excellence in customer service. We aim to provide total customer satisfaction through UNISERVICE, which will soon be available at our full-service branches covering:

Trade finance Letters of Guarantee Letters of Credit Funds Transfer Remittances Bill Discounting Export Financing Credit Extension

(d) Product Range



I. Corporate Finance Loan Syndication Structured Finance Term Finance Certificates

II. Finance/Credit Extension

Local Currency Facilities Overdrafts Demand Finance Working Capital Finance Import Financing Receivable Discounting Pre and Post Export Financing LMM Funding

III. Trade Documentary Letters of Credit Standby Letters of Credit & Guarantee Documentary Collection Funds Transfer

IV. Investment/Cash Management

Current & PLS Accounts Foreign Currency Cash Collection Utility Bill Collection Capital Market Hybrid Products FX Spot, Forwards and Hedging Rice/Cotton Financing for Ginners

(7) Investment BankingEstablished in 2002, UBL Investment Banking Group is one of the largest and most experienced investment banking groups in Pakistan. We are the only Pakistani commercial bank with an investment-banking desk in the GCC region. A dedicated specialist team of 19 investment bankers, with diversified academics and



experience in Pakistan and UAE, has the expertise to cater to the needs of both domestic and regional clientele.

With an award winning team, UBL Investment Banking Group possesses diversified industry experience, exposure to a wide array of landmark transactions and knowledge of broad range of products resulting in top-notch deal execution to provide quality investment banking services to its clientele. Our well established deal execution and distribution experience is evidenced by successful closure of over 161 debt and equity transactions amounting to USD 14,559 million during 2003 – 2010.

(a) Debt and Capital Market

Our Debt Capital Markets & Syndications (“DCMS”) team of five specialists has closed over 53 transactions amounting to USD 6,543 million during the last five years.

(b) Project and Structured Financing

Our Project & Structured Finance team deals with project advisory and arrangement services for green-field and brown-field projects, together with expansion initiatives of highly leveraged entities that seek non-recourse/limited-recourse financing options.

(c) Equity and AdvisoryLeveraging our reach as one of the leading banks in Pakistan, the Equity & Advisory team delivers Equity Advisory and Arrangement solutions for a geographically diverse client base. Keeping the client’s financing requirements as the center-point, we provide clients with solutions resulting in an optimum capital structure and attendant management of expectations of disparate stakeholders.

(8) Treasury and Capital MarketAt UBL Treasury & Capital Markets (TCM), we nurture a culture of Delighting-the-Customer with a complete focus on customer needs for their financial solutions. Recently TCM team’s customer-centric approach got a well-deserved recognition when UBL was voted best



in the following categories in an Asia-Pacific survey of corporates and institutions by Asiamoney:

Best domestic provider of FX Services Best for innovative FX products and structured ideas

Today the UBL TCM is a frontrunner in providing:

The narrowest bid/ask spreads and the fastest quotes Best for innovative FX products and structured ideas Innovative structured products

(a) Foreign Exchange Desk

UBL Foreign Exchange Trading Desk, being an aggressive market maker in the Interbank FX Market, has the capability to provide hedging for high volume transactions to corporate customers in USD/PKR as well as G-7 currencies at the most competitive pricing. The FX Desk also serves as a medium for overseas customers to handle Remittance business for the bank.

(b) Money Market DeskUBL is one of the foremost players in Money Market and Fixed Income Securities. As a Primary Dealers (PD), we are actively involved in Primary market Auctions for GoP Securities. Following are the products covered by our Money Market Desk:

T- bills Pakistan Investment Bonds (PIB) Sukuk Repo / Reverse Repo Call/Clean Lending

(c) Derivative Desk:UBL Derivative Desk offers the following derivative solutions:

Forward Rate Agreements (FRAs) Cross Currency Swaps (CCS) Interest Rates Swaps (IRS)



FX Option Customized Structured Products

(d) Liquidity Desk

Liquidity Desk’s functions involve management of bank’s holdings, with the ultimate goal of maintaining the cash flows at optimal levels, and mitigating operational and financial risk.

(e) Capital Market DeskThe UBL Capital Markets desk trades in stocks listed on the Karachi Stock Exchange. It is also involved in more sophisticated transactions such as future buy/sell contracts, future short sell and leverage products.

(f) Corporate and Institutional DeskUBL was the first local bank to establish a Corporate Treasury team in the Treasury dealing room. The bank's trade volumes and revenues have grown significantly since the introduction of the Corporate Treasury business.

(g) Foreign Exchange Sales

Our Corporate and Institutional Solutions (CIS) Desk serves to the foreign exchange needs of corporate, institutional & retail clients. We at CIS ensure to offer a comprehensive foreign exchange service and competitive exchange rates.

Rate Sheet Market Update Currency Converter

(h) Fixed Income Sales

The Fixed Income sales team strives to work towards providing client specific investment solutions in risk free government instruments to corporations, institutions, welfare trusts, individuals etc.



(8) UBL Omni Branchless Banking

UBL Omni now brings a host of banking services to your nearest "Dukaan". UBL Omni Dukaans are located in more than 650+ cities and towns across Pakistan.Account: Customers across Pakistan can now open a basic UBL Omni bank account at any UBL Omni Dukaan of their choice, whether close to their home or place of work, by using their CNIC number and mobile phone number - their mobile phone number will effectively become their bank account number irrespective of which service provider they use. Also they can avail instant ATM card. Accounts with higher limits can be opened from any UBL branch. UBL Omni account holder will subsequently be able to deposit and withdraw cash, make utility bill payments, send or receive money, purchase mobile airtime, make postpaid mobile bill payment, pay Zakat & Donation and much more by using diversified array of convenient channels which includes SMS, Mobile App, UBL Net banking or ATM. No longer will they have to visit a bank branch to conduct their basic banking transactions nor will they be limited by standard banking hours.

Services: Account opening Bill payment Money Transfer Mobile Top UP Life Insurance etc.

(10) UBL Netbanking



UBL netbanking offers you a simple, convenient and secure way to manage your bank accounts 24/7 from anywhere in the world. UBL netbanking is the most trusted Internet Banking portal in the country primarily because of its uniquely strong security features and an attractive list of transactions and activities available.

With UBL netbanking, you can view all yours deposit, credit card and loan accounts. You can pay your utility bills, mobile phone bills, buy prepaid vouchers, invest in UBL Funds, transfer funds to any UBL account holder, transfer funds to any 1Link member bank account in Pakistan, send money to the doorstep of almost anyone in Pakistan through our TezRaftaar cheque service, view cheques-in-clearing, manage your ATM card online and shop online at our various partner stores in Pakistan, all from the comfort of your home.

Features:

Some featured services are listed below:

My Accounts: Manage Multiple Accounts View /Download/Print/ Email your Account Statement Access your Credit Card and Loan Accounts Manage your ATM Card View Cheques-in-Clearing

My Payments:It includes the followings:Bills Management:

Utility Bills Mobile Bills UBL Bills (Credit Card, Cash Line, Drive, Address, Money)

Prepaid Management: Mobile Airtime Mobile Prepaid Vouchers


http://www.ubldirect.com/corporate/Portals/_default/Skins/DarkKnight/_ui/videos/advertisements/Final_render_avi.avi

http://www.ubldirect.com/corporate/Portals/_default/Skins/DarkKnight/_ui/videos/advertisements/Final_render_avi.avi


UBL WIZ Top-up

(11) UBOnline

UBOnline is a unique and modern product of UBL. The customer can access its account through internet while sitting in his home or office. It enables a client to check the balance of his account, transfer money and much more without a visit to the bank branch. A secret password is issued to customer so than he can access his account with due security.

(12) UBL Ameen (Islamic Banking)

UBL Ameen is interest free banking (Islamic Banking). Under this following services are provided:

(a) Ameen Current Account (ACA) - Local Currency

Ameen Current Account is a checking account which aims to provide the necessary tools to individuals, and corporate customers to transact their entire bank related business and personal activities. Funds received are on the basis of Qardh and are used only in Shariah compliant business.

Features and Benefits: Account can be opened with Rs 100/- No limit on number of transactions No minimum Balance requirement



ATM/VISA Debit Card SMS Alerts Free E-statement facility Net Banking facility Access to your funds through online network of over 1,200

UBL branches and 4,500 ATMs across Pakistan 24/7 Call Center facility Nonstop full service (within bank timing)

(b) Ameen Current Account (ACA)- Foreign CurrencyAmeen Current Account - Foreign Currency is ideal for those customers and individuals who wish to maintain a secure foreign currency transaction account. Ameen Current Account (FCY) is a checking account which aims at providing the necessary tools to individuals, and corporate customers to transact their bank related business and personal activities. Funds are received on the basis of Qardh and are used only in Shariah compliant business. It is available in 5 leading currencies: US Dollar, British Pound, Euro, Japanese Yen and UAE Dirham.

Features and Benefits:

Minimum deposit requirement in US Dollar 500 or equivalent in other currencies to be opened an account.

Available in leading currencies US Dollar, British Pound, Euro, Japanese Yen and UAE Dirham.

Access to your funds through a network of UBL’s branches dealing in Foreign Currency across Pakistan

No restriction on minimum number of transactions 24/7 Call Center facility Nonstop full service (within bank timing)

(c) Ameen Saving Account (ASA)- Local CurrencyAmeen Saving account is a checking account allowing maximum flexibility and simultaneously provides optimal returns, be it trade, business or personal banking needs. Ameen Saving is a tier based



saving account where the expected rate of return increases in each progressive tier. Funds are received on the basis of Mudaraba and are used only in Shariah compliant business.


Account can be opened with Rs 100/- Tiered profit structure Profit is calculated on the basis of daily average balance in

a calendar month Ideal for customers looking at transactional flexibility No limit on number of transactions No minimum balance requirement Six-Monthly profit payment

(d) Ameen Business Account (ABA)- Local Currency

Ameen Business Account is a Mudarabah based Investment Account which aims at providing the necessary tools to individuals and corporate customers to transact their entire business activities in an easy manner across Pakistan. The product is a viable alternative for those account holders who require value added benefits on Current Account to support their business activities.


Account can be opened with Rs 100/- Nominal profit calculated on daily average balance and

paid half yearly. The following facilities will be provided free of charge if an

daily average balance of Rs 100,000/- is maintained in the account

Online transactions country wide Ameen visa debit card (Gold)



Cheque book issuance Issuance of cashier’s cheque / Pay order Receipt of over the counter cash deposit Cancellation of cashier’s cheque / Pay order Cheque return unpaid Clean bill for collection SMS alerts Duplicate cashier’s cheque/ Pay order Duplicate account statement

(e) Ameen Monthly Saving Account

Ameen Monthly Saving Account (AMSA) is a checking account allowing maximum flexibility and simultaneously provides optimal returns to fulfill the business or personal banking needs. AMSA is a tier based saving account where the rate of return increases in each progressive tier i.e. larger deposits fall into higher tiers with greater returns. Funds are received on the basis of Mudaraba and are used only in Shariah compliant business.


Account can be opened with Rs 100/-. Tiered profit structure Profit is calculated on the basis of monthly average

balance in a calendar month. Monthly profit payment. Unlimited number of transactions. No minimum balance requirement.

(f) Ameen Certificate of Islamic Investment- Local CurrencyAmeen Certificate of Islamic Investment is a unique investment product with multiple benefits, which aims at providing appropriate return to customers. It is a fixed deposit certificate with three profit payment options:



Profit at Maturity

Minimum amount to purchase a certificate: Rs. 10,000 Available in certificates ranging from 1 month to 8 years

Profit Bi-annually (July and January)

Minimum amount to purchase a certificate: Rs. 50,000 Available in certificates ranging in 1, 3, 5 & 6 years

Profit Monthly (1st working day of the month)

Minimum amount to purchase a certificate: Rs. 50,000 Available in certificates ranging in 1, 2, 3 & 5 years

(g) Ameen Daily Munafa Account (ADMA) - Local Currency

Ameen Daily Munafa Account is a checking account allowing maximum flexibility and simultaneously provides optimal monthly returns on daily product basis, be it trade, business or personal banking needs.Features and Benefits:

Account can be opened with Rs. 100/- Tiered profit structure with the association of daily day

end balance Ideal for customers looking at transactional flexibility with

higher rates Profit is calculated on daily product basis Monthly profit payment



No limit on number of transactions No minimum balance requirement

(h) Ameen Minor Saving Account (AMiSA) - Local Currency

Ameen Minor Saving Account is a checking account allowing maximum flexibility and simultaneously provides optimal monthly returns. Ameen Minor Saving Account is designed specifically for junior/children under the age of 18 years with exciting packages in accordance the rules of Mudarabah. Funds are received on the basis of Mudarabah and are used only in Shariah compliant business.Features and Benefits:

Account can be opened with Rs. 100/- Get ready for Exciting Packages Surprising Gifts on Islamic Festivals Profit is calculated on the basis of daily average balance in

a calendar month Monthly profit payment No limit on number of transactions No minimum balance requirement

(i) Ameen Call Deposit Receipt (ACDR) - Local CurrencyAmeen Call Deposit Receipt is a non-negotiable and non-transferable instrument that enables customers to apply for the tender applications. Funds received on the basis of Qardh are used only in Shariah compliant business.

(j) Ameen Premium Account (APA) - Local CurrencyAmeen Premium account is a checking account allowing maximum flexibility and simultaneously aims to provide High returns, be it trade, business or personal banking needs.



Features and Benefits: Account can be opened with Rs.100 Expected high rate of return with a wide range of tiers. Profit is calculated on the basis of daily average balance

in a calendar month Ideal for customers looking at transactional flexibility

with higher rates Monthly profit payment No limit on number of transactions No minimum balance requirement

(k) Ameen Premium Certificate (APC) - Local Currency

Ameen Premium Certificate is specially designed for those investment account holders who are willing to get high return on their investments with multiple benefits.

Features and Benefits: Minimum amount to purchase a Certificate: Rs.

5,000,000 Available in 1 month, 3 months, 6 months, 1year and 1

year with monthly profit payout. Expected high rate of return with the flexibility of a wide

range of tenures and profit payment options Premature encashment facility available Profit is calculated on fixed amount placed at the time

of booking Renewal option available

(l) Ameen Financial Institution Deposit Account (AFIDA) - Local Currency Ameen FI Deposit Account is a checking account allowing maximum flexibility and provides High returns to Financial Institutions from their Shariah- Compliant avenues. Ameen FI Deposit is a wide range tier based saving account where the expected rate of return



increases in each progressive tier i.e. larger deposits fall into higher tiers with greater returns. Funds are received on the basis of Mudarabah and are used only in Shariah compliant business.

Features and Benefits: Account can be opened with Rs 100 Expected high rate of return with a wide range of tiers. Profit is calculated on the basis of daily average balance

in a calendar month Monthly profit payment No limit on number of transactions No minimum balance requirement

(13) UBL Go Green Products

The earth is our home and to protect its natural resources is our responsibility. UBL Go-Green is a small step in this regard. An initiative by the bank to give back to the environment what generations after generations have taken for granted.

A chance to breathe easy, to go back to nature: one of it’s most vital elements – the trees. Go-Green makes the environment around you paper-free. Use your mobile phones and computers for storing and getting information.

The UBL Go-Green initiative offers you below mention services:

(a) The UBL Go-Green Internet Merchant Acquiring: Secure payment mechanism



3D Secure authenticated transactions (Verified by Visa / MasterCard Secure Code)

PCIDSS Certified Payment Gateway

(b) The UBL Go-Green E-Statement: Receive your account statement electronically on your

registered email address Secure online transmission at a frequency of your

choice (daily, weekly, monthly, quarterly, semi-annually)

(c) The UBL Go-Green SMS Alerts: Get your bank transaction details the moment it

happens on your specified mobile number Real time information available at hand without visiting

your branch

(14) International Bank Account

The IBAN account identification facility is a globally accepted standard for bank accounts, with the aim to facilitate banking transactions and reduce the time taken especially for foreign and local funds transfer transactions.IBAN implementation will not only provide your account greater security when you transfer funds locally or internationally, but will also assist banks towards ensuring error free transactions.

(4) NRP ServicesUBL has taken progressive steps and has introduced innovative products and services to provide you a variety of banking and financing services.



1) UBL Click n Bank (for NRPs living in the USA)UBL Click n Bank offers you a simple and convenient way to open and operate a bank account in Pakistan while sitting in the US. Your physical presence at the branch is not required and the account is opened in the branch of your choice anywhere in Pakistan.

Features:

Complete online registration. Pak Rupee Account Operable Countrywide Free ATM Debit Card Cheque Book

Streamline RemittancesYou can send money to your UBL Click n Bank account through UBL Click n Remit as well as any of the other remittance service available.You can remit funds from your UBL Click n Bank account to any Other UBL or Pakistan bank through our Netbanking Service (Hyper Link). Using Netbanking you can also:

Send money to your beneficiary having account in any of the 1-link member bank in Pakistan.

Monitor and manage your account with 24/7 access. Obtain real time account balance, statements and alerts. Send money to anyone in Pakistan using the PC-to-Person

facility, either through the Account-to Account transfer or get a TezRaaftar check delivered to the payee's doorstep within 48 hours.

Pay your mobile & utility bills online in Pakistan. Schedule recurring payments on weekly/monthly basis in

Pakistan.



2) UBL Click N Remit

When you remit through UBL Click N Remit, you always have a greater sense of satisfaction that you are dealing with United Bank Limited - the most trusted name in banking. Coupled with extensive reach and unsurpassed reliability of United Bank's network, you enjoy excellent personalized customer service from our New York branch

Features:

Simple, Reliable and Secure Speedy and Inexpensive Completely Online - Available 24 x 7

3) UBL Tezraftar:UBL remittance service, TezRaftaar offers all overseas Pakistanis the fastest and the most convenient delivery of their money to their beneficiaries in Pakistan. Best of all, TezRaftaar is completely cost free and is available at all UBL Overseas branch network in the Middle East, UK and US. This facility is also available at UBL's correspondents (Banks/ Money Transfer Cost) in Australia, Canada, Denmark, UK, USA, UAE, Saudi Arabia, Kuwait, Bahrain, Oman, Qatar, Malaysia and Europe as per list available at Remitter Locator.

4) UBL Tezraftaar Account Services

UBL Tezraftaar Account Services would allow a Non Resident Pakistani (NRP) in a foreign country to open an account in any branch of UBL in Pakistan, by simply visiting any of UBL overseas branches in UAE, Bahrain, Qatar and selected Money Transfer Companies of Kuwait, Oman and UAE.



This will enable them to save their hard earned money on an attractive rate of return with UBL, and also avail the exceptional UBL’s various products and services.

To facilitate NRPs residing in foreign countries with easy Account Opening Process in Pakistan.

To channelize and legalize the inflow of foreign remittances. Enhance UBL current/saving account’s image with the

greatest value for the customer. All types of UBL checking Accounts being presently offered or

to be offered in the future with entire benefits as per product terms and conditions.

Further more investment products or TDR are also available, if the customer wants to invest

5) UBL Tezraftaar Pardes CardWe introduce to you the UBL Tezraftaar Pardes Card in collaboration with Pakistan Remittance Initiative (PRI), where the customers inward remittances are deposited automatically on the remittance card as and when sent.

UBL Tezraftaar Pardes Card is a unique initiative to provide you relief in receiving your money without having to go to the bank's branch. Apart from being an ATM card, the UBL Tezraftaar Pardes card also provides you with the facility of directly spending through all VISA accepting outlets across Pakistan.

6) NRP Direct:

United Bank brings to you a simple & convenient way to open, fund & operate a bank account in Pakistan. NRP Direct is the first & only deposit account ever to be launched for Non-resident Pakistanis. Now feel at home with your NRP Direct account!



With UBL NRP Direct, you do not have to rush to arrange money when your family urgently needs it. You can keep sending money into your NRP Direct account and your family can withdraw the amount whenever they need.



7) Global Remittance Partners:



UNITED BANK LIMITED



Strengths: Experience of Operation Bank’s Emphasis on consumer banking Attractive compensation packages for employees Well spread branch network Professional and Skilled Management Quality products and Services Innovative products UBL has more than 5 million regular customers UBL has efficient online banking and online transactions

Weakness: UBL has less emphasis on Islamic Banking UBL has not many such branches in rural areas Less promotional Activities for old employees No standardization in term of branches; some branches

are very attractive and most of the branches are not so good like other branches.

In some urban areas of Pakistan, services of UBL are not good as compared to other private banks.

No separate training center to train their employees.



Opportunities: Capturing Market Share UBL can improve and expand its foreign operations

Especially in UAE Opportunity to increase its product line Bank can extend its network of branches in all over

Pakistan Call center services should be improved to enhance

their network.

Threats: Increasing number of foreign Banks Services offered by foreign Banks Lack of consistency in Govt. Policies Terrorism and Security threats High Competitive Banking Environment Lack of huge deposits High operating cost Due to more consumer banking there is threat of bad

debts

Political Poor Govt. Policies



Political Instability Most of the Banks have to finance the loan under

political pressure Non-payment of loan by the political Leaders

Economical Low Consumer Income Low Saving Rate Consumption Patrons High rate of interest Budget deficit Inflation Low cost of living

Social Religious Beliefs Non availability of knowledge of the products and

services and charges of banks With-holding Tax keeps away the people from the

banking transaction

Technological Investment for improving technology and Staff skills in

IT UBL purchase new System for interpretation of

Quantitative and Qualitative data to make financial decisions

Growth of communication infrastructure



UBL is also upgrading its existing in-house developed branch banking software with Core Banking System (CBS)

Financial Analysis:Total Asset:Year: Amount in Million (Rs.)2013 88,557.552012 77,627.152011 70,622.932010 60,180.922009 52,276.25

Profit after Tax;Year: Amount in Million (Rs.)2013 18613.962012 18006.732011 15499.662010 11159.932009 09192.69

Total Dividend:Year: Percentage of Paid up



Capital2013 1002012 852011 752010 502009 30

ConclusionUBL is growing bank with immense potential for prospects of employment in the offering. UBL is on the path enrooted for excellence to achieve the goals for better prosperity to enhance its internal and external equity. UBL believes in setting the right goal for right jobs and it is striving to identify the right resources. It takes pride in redefining the career paths growth prospects for all of its employees in order to ensure their success by providing an affluent work environment which is conductive and beneficial for the enrichment of their personal grooming and paves way of the Bank.

Recommendations: The behavior with the customers should be improved Training of employees should be conducted All the branches be fully equipped Marketing through internet Use of latest technology Reasonable services charges should be charged


Ubl lahore...

Presentations & Public Speaking

Transcript of Ubl lahore...