3rdrd largest Commercial Bank of Pakistan

UBL assets of over 620 billion

It has 1257 branches in Pakistan

17 branches overseas

It has 400 ATM machines

“To be a world class bank dedicated to excellence, and to surpass the highest expectations of our customers and all other stakeholders.”

• Optimize people, processes and technology to deliver the best possible financial solutions to the customers;

• Become the most sought after investment.

• Agha Hassan Abidi founded the bank in 1959

• Registered on July 24, 1959. started the operations on November 7th , 1959

• continued its operations as private banking company until 31st December 1973

• The bank was working as nationalized bank when the government decided to privatize some banks in 1992.

Board of Directors Presidents Vice Presidents Regional Chief District Managers Managers Operational Managers Officers Clerical Staff

Agha Hassan Abidi: He started his career with Habib Bank before

independence. He founded the United Bank ltd. In 1959 He founded the BCCI He founded the Infaq foundation (charitable

organization) in UK , India , Bangladesh , Zimbabwe, Pakistan.

Sheikh Nahayan Mubarak Al NahayanSheikh Nahayan Mubarak Al Nahayan Chairman: Chairman:

Deputy Chairman: Deputy Chairman:

President & CEO: President & CEO:

Sir Mohammed Anwar PervezSir Mohammed Anwar Pervez

Mr. Atif R. Bokhari Mr. Atif R. Bokhari

He heads the United Arab Emirates, ministry of Culture, Youth & Social development prior to march 17, 2013.

He headed the ministry of education science & research. He is the Chairman of WARID telecom. Hilal-e- Pakistan 2005

He started his career in 1985 with Bank of America. He was appointed head of corporate & investment

banking in Habib Bank in 2000.He join the UBL in 2004.

In 2002 govt. of Pakistan sold it to Abu Dhabi group and Best

Way group having 25.50% of its shares each

In 2002 it merged its operations in UK with those belonging to National Bank of Pakistan to form United National Bank Limited

• Negative Equity

• Heavy and continuing operating losses due to:

• Overstaffing, 21,500 employees

• Over branching, 1,701 branches

• NPLs (Non performing loans), 60% of total loans

• A lack of systems and controls across the board.

• Demoralized staff, declining deposits and market

share.

changed 33 key positions downsized the staff from 21,500 to 8,525 reduced the number of branches from

1,701 to 1,257 arrested the NPL’s and blocked 80,000

deposits

Market share quickly increase from 7% to 10%

His Highness Shaikh Nahayan Mabarak Al Nahayan Chairman

Sir Mohammed Anwar Pervez, OBE, HPK Deputy Chairman

Mr. Atif R. Bokhari President & CEO

Mr. Omar Ziad Jaafar Al Askari DirectorMr. Zameer Mohammed Choudrey DirectorMr. Seerat Asghar DirectorMr. Muhammad Sami Saeed DirectorMr. Amin Uddin DirectorMr. Arshad Ahmad Mir DirectorMr. Aqeel Ahmed Nasir SEVP/Company

Secretary & Chief Legal Counsel

Mr. Raymond Kotwal Chief Financial Officer

• UBL Accounts

• UBL Ameen

• UBL Omni

• UBL Humrah

• Agriculture

• Cards & Loans

• UBL Business partner _Current Account

• Rupees Transactional Account (RTA)

• UBL Uniflex

• UBL Unisaver

• Certificate of Deposits

• Foreign Currency Saving

• Foreign Currency Term Deposit Receipts

• UBL Basic Banking Account

• UBL First minor Saving Account

• UBL Business Partner Plus

UBL Ameen has its presence in all major cities of Pakistan including Karachi, Lahore, Faisalabad, Sialkot and Peshawar through 5 stand alone branches

UBL Ameen has also more than 20 Islamic banking windows in the existing UBL branches

Ameen Current AccountBased on QARZ Funds received, to be repaid on the demand/notice of the depositor

Ameen Investment AccountsBased on Mudarabah A partnership where one partner provides capital (called Rabb-ul-maal) and another contributes efforts (called Mudarib)

Ameen Saving Account Investment accounts that have freedom of withdrawal and deposit in

which profit can be received upon periodically

Ameen Certificate of Islamic InvestmentTerm investment in which higher amount of profit can be received

upon maturity /periodically

First cheque book free

No Minimum balance

Withdrawal on demand at anytime PKR 100 Million and above 24 hours notice (working days) PKR 200 Million and above 48 hours notice (working days)

Collection and clearance of cheques

No hidden charges

• UBL Omni now brings a host of banking services to your nearest "Dukaan".

• UBL Omni Dukaan’s are located in more than 580  cities and towns across Pakistan.

• This is a major milestone in the evolution of banking.

1. Account Opening2. Cash Deposit3. Cash Withdrawal4. Utility Bill Payments

• UBL Hamrah has been designed for the convenience and security .

• It is the Traveller cheque for the safest and ideal way of carrying cash when travelling anywhere in the Pakistan

• Denomination of Rs. 10,000 and Rs. 5,000.

• It is accepted more than 2000 places such as hotels, shops, jewllers, etc

• Salient Features:

• Absolutely Free- No Bank commission , No Excise Duty,

• Available to all: Holding an account with UBL not mandatory for availing this facility

• Transferable and Encashable:

•      Farm Loans    

• Production Loan Financing is available for Major and Minor crops across Pakistan.

•   (Revolving Credit Scheme)

– Minimum Amount PKR 30,000

•   (Demand Finance Production)

– Minimum Amount PKR 30,000

•   Land Development, Equipments and Machinery Financing for Land Improvement, Water course improvement,

• Tube wells, Lift pumps, Deep turbine pumps, Cotton pickers, Godown, Cold Storage, Harvester, Thresher, etc

– Minimum Amount PKR 30,000

•   Tractor & Vehicle Finance To purchase Tractors, Delivery Vans, Mini Trucks, Motor Cycle

• and other vehicles used for marketing Agri Products

– Minimum Amount PKR 100,000

• Livestock Financing • Dairy Farming, Meat Farming, Fattening of Animals, Rearing of

Animals, Construction of Sheds,

• Milk storage tanks, acquire and establish modern and efficient livestock facilities. Loan Minimum Amount PKR 50,000

• Poultry Financing • Poultry Farm structure and equipments, Hatchery farm structure and

equipments, Feed Mills, Purchase of Chicks,

• Feed, Medicines, Storage tanks, Cold storage, Construction of shed, etc.

• Minimum Amount PKR 50,000

• Fisheries Financing • Fish seed, Fish feed, Construction of pond, Curing and Dying by

fishermen, etc.

• UBL Credit Card - Chip Credit Card• UBL Wiz – Prepaid Visa Debit Card• UBL Wallet – Visa ATM Debit Card• UBL Address – Home Loan Facility• UBL Business line – Business Financing Loan • UBL Cash Line – Running Finance Facility• UBL Drive – Auto Loan• UBL Agricultural• UBL Small Business – SME Loan

Sept 2011 Sept 2010 VAR %

Net Interest Income 33.17 28.52 +16%

Non Interest Income 13.01 11.07 +18%

Operating Revenue 46.18 39.59 +17%

Operating Expense (17.80) (16.68) -7%

Pre-Provision Oper. Profit 28.38 22.91 +24%

Provision Exp./Other writeoffs (13.52) (8.22) -64%

WWF / SBP Penalty (0.47) (0.63) +26%

Profit Before Tax 16.80 12.90 30.23%

Profit After Tax 11.0 8.10 36%

Sept 2011 Sept 2010 Ver. %

Profit Before Tax 16.80 Billion 12.90 Billion 30.23%

Profit After Tax 11.0 Billion 8.10 Billion 36%

Increased: 4.01%

Increased: 3.50%

Dec, 2010

68,415,056

Sep, 2011

74,362,260

Increased: 8.69%

Sep 2011 Sep 2010

EPS (Rs/share-annual.) 8.95 6.58

Price* - (Rs /share) 52.90 48.70

No of shares 1,113 Millions 1,113 Millions

Long Term Rating AA+Short Term Rating A-1+TFC Rating AA

StrengthsWeaknessesOpportunitiesThreats

Ownership of Strong Group Huge Deposits Advances on Sound Basis Infrastructure Brands Fast Service Good Credit Rating

CentralizationIneffective Personnel PoliciesLow Motivation LevelReactive ApproachRecoveryLand Marks Across Pakistan

Mobile BankingInternational ExpansionTrade ShowsLiberalizationSocio CultureIslamic Banking

Governmental PoliciesAggressive CompetitionInternational Financial SlumpsCustomer BehaviorMovement of trained staff to other banksStrong competitorsStrict SBP policiesIncreasing ratio of fraud

PESTLE analysis answers 6 key questions:

Political - What are the political factors that are likely to affect the business?Economic - What are the economic factors that will affect the business?

Sociological - What cultural aspects likely to affect the business?Technological - What technological changes that may affect the business?Legal - What current and impending legislation that will affect the business?Environmental- What are the environmental considerations that may affect

the business?

Poor government policies. Political Instability Most of the banks have to finance the loan

under Political pressure Non Payment of loan by the Political Leaders.

Consumer income Saving rates Consumption patrons Rates of interest Budget deficit Exchange rates Cost of living Inflation

Declining work ethics. Religious beliefs.Non availability of the knowledge of the product of

the Bank.With Holding Tax keep away the people from

Banking transaction.

Investment for improving Technology & Staff skills in IT

UBL purchase new System for interpretation of quantitative and qualitative data to make financial decision.

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

Halted Growth of Communication Infrastructure

LEGAL.

- Current legislation- Future legislation- International legislation- Regulatory bodies and processes- Employment law- Consumer protection- Health and safety regulations- Money laundering regulations- Tax regulations- Competitive regulations- Industry-specific regulations

ENVIRONMENTAL

- Environmental regulations- Ecological regulations- Sustainability- Impact of adverse weather

UBL should make a good support to Islamic Banking. UBL should open its branches especially in the country side.UBL should update its website daily.Improve internal control system

To Be a World-Class Bank where you come First .

It is the “You First” culture we are promoting at UBL to truly become a world-class bank which takes care of its customers and provides them with world-class services & products. At UBL, we value our people as our greatest asset and it is this philosophy that forms the basis of our focused, committed and long term investment in the people that form this great institution. Our bank will be the best bank in future with your cooperation.