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VUSTUDENTS.NET TEAM.
Virtual University of Pakistan
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Acknowledgements
Zahid Hussain
Roll No. 07
M.Com_4th(Fiance)
TABLE OF CONTENTS
• Objectives of
Studying the
Organization--------
---03
• Overview of the Organization - --------------04
Balance sheets
Common Size Analysis
Ratio Analysis
Financial overview
Strengths
Shortfalls /Weaknesses
Opportunities
• Personalized
banking system.
Domestic saving.
• Effective and
efficient service
among the
competitor.
• The international
trade.
• The banking
services to urban
and rural areas.
Br an ch es
1112 Domestic, 17 Overseas Branches
Registered Office
13 Floor, UBL Building,
Jinnah Avenue, Blue Area Islamabad, Pakistan
Head Office
State Life Insurance Corp. Building #1,
I.I. Chundrigar Road, Karachi, Pakistan
P.O. Box No.: 4306
Phone: (92-21) 111-825-111
Gram: "UNITED"
Fax: (92-21) 2413492
Organizational Structure
Board of Directors
President
Vice President
• Regional Chief---14
Operation Managers---------
-1245 •
Officers---- ----------------
7000
♦ Clerical staff---------------
-----
VISION
TO BE THE WORLD
WHERE
to customers.
1. UBL Profit.
2. Business Partner.
1. UBL PROFIT
Now you can earn a higher income on your surplus cash by investing
it in UBL Profit Certificate of Deposit. UBL Profit helps you earn
extra income with your hard earned money, while providing absolute
trust and security.
• Profit on Maturity
Avail one of the best and most stable rates of return by investing in
UBL Profit CODs.
2. BUSINESS PARTNER
Now access your account from 71 cities across Pakistan. Our network
is growing at an amazing pace and now you can avail services like
cash withdrawal, payments, deposit, stop payment, acquisition of
account statement and many more from more than 350 online
branches.
Banking at your own convenience has been made possible. UBL now
offers 9-5 Non-Stop Banking service at more than 450 branches
across Pakistan.
Submit a cheque in one city and get it cleared in another miles away
just within minutes. With online banking services, you can get your
cheque cleared instantly, without any hassle.
Other benefits*:
• Anytime.
• State of the art Internet Banking services
• Five Years
•
9-5 Non-Stop Banking
ACCOUNT
Special Features
ADVANCES DEPARTMENT
1. UBL Money
2. UBL Cashline
3. UBL address
4. UBL Drive
5. UBL Small Business Scheme
Zahid Hussain (M.Com) 18
UBL Money, the Personal Installment Loan from UBL provides you
with power, control, convenience and the flexibility to manage your
financial requirements and realize your dreams. UBL Money is a fixed
installment loan. It gives you access to funds starting from Rs.
50,000/- up to a maximum of Rs. 500,000/- without any collateral.
• Flexibility
• Payment Options
Repayment options
Eligibility Criteria
Getting UBL Money is very easy. Just follow the simple steps:
2. UBL CASHLINE
Have you ever wished for a loan that was flexible enough to be used
anywhere, anytime, and as many times as you wanted? UBL introduces
Cash line – the most flexible loan, providing you up to Rs.
500,000/- the perfect solution!
• Flexible
• Convenient
• Cheque Book
• ATM/Debit Card
• Net Banking
• Funds Transfer
3. UBL ADDRESS
You have always dreamt of having a permanent address. Now you can
turn your dreams into reality with UBL Address- the unique offering
that makes you the owner of your home while remaining within your
limited income.
UBL Address understands your home financing needs and offers you
a variety of fixed, floating and adjustable rate options-because at UBL,
where you come first.
Fix your repayments for 20 years today. The fixed markup rate gives
you peace of mind and allows you to plan your cash flows better.
For the first time tin Pakistan, UBL address provides an alternative to
high monthly rentals by offering a flexible repayment option to suit
your cash flows.
4. UBL DRIVE
Types of Finance
UBL Drive allows you to drive away in your own car by making a
down payment of just 10% and to top that with low monthly
installments.
UBL Drive is the quick and hassle free route to the car of your choice.
Offering you for the first time in Pakistan, No Down Payment and
processing charges till your application is approved. After approval,
you can take your Purchase Order to any of our authorized dealers, pay
the Total Cash Outlay amount and simply drive away with your
preferred car.
Insurance Options
• Process Charges
Introduction
Eligibility Criterion:
If you fall in the following criteria, then UBL Business line is just
the right choice for you
Sources of Funds
Type of Financing
acres to 50 acres.
Above economic are those who hold above 50 acres
land.
80% landlords fall in the first category, 50% loans of 50%
given
Securities acceptable
Sanction Limits
For productions
For Development
Markup
1. Money Gram
2. Taz Raftar Cheaques
3. Hamrah
1. MONEY GRAM
2. TEZRAFTAAR
Benefits of TezRaftaar
Hamrah RTC's are now accepted at more than 2000 places such as
hotels, shops, real estate agents, jewelers, car dealers, etc and of course
at all our UBL branches.
Benefits of Hamrah
• Denominations:
Available to all: •
facility
Dealing of ATM
UBL wallet ATM/Debit card is all the convenience and security you
desired and the quality you deserve. This wallet holds all the cash in
your bank account. With UBL wallet you can withdraw cash at ATM’s
any time or make cash less purchases at outlets though\rough the debit
card facility.
UBL is the only bank that offers the ATM and Debit Card facility to
all account holders at all UBL branches, regardless of whether their
branch is online or offline
ATM Network: UBL already has its own network of 53 ATMs, which
continues to expand by the day. Moreover, UBL Wallet is part of the
1-Link switch, which is a fast expanding ATM network of more than
12 banks. This allows you to use your UBL Wallet across
Pakistan at more than 300 ATMs
Funds Transfer •
For the first time in Pakistan, selected UBL ATMs feature a Virtual
Human Assistant, who guides you in conducting your ATM
transactions.
• Security
• Fast Cash
Swiftly withdraw your desired amount by selecting from one of the
options of preset denominations.
With UBL Wallet as your Debit Card, you can shop all you want, eat
all you can, or fill up your car tank without carrying any cash. Simply
use your UBL Wallet for direct debit from your bank account. The
Debit Card facility is being offered in association with the Orix
network, which offers connectivity at more than 1600 outlets across
the country. You can use your UBL Wallet to conduct a debit
transaction at any outlet in Pakistan that displays the Orix logo. Your
debit transactions are safe and secure, since only you are aware of your
Personal Identification Number (PIN). A debit transaction is
conducted only when you type your PIN into the Point of Sale (POS)
terminal located at the retailers' premises.
Annual Fee (Rs.) Daily Limits (Rs.)
Card ATM Debit Funds
Type Primary Supplementary Withdrawal Card Transfer
• Copy of FIR.
RTC department is immediately in formed about the lost RTC, so that
caution is marked. The branch officer after verification of genuineness
of the case and proper identification will send the case duly
recommended.
Types of Cheques
1. Transfer cheques
2. Transfer delivery cheques
3. Clearing cheques
Transfer Cheques
Which are collected and d paid by the same branch of the bank.
Clearing Cheques
When the payee or endorsee (which deposits the cheques for
collected), and the drawer of cheques maintain accounts with different
bank, the collecting bank can receive the amount of cheques from the
paying bank in any of the following manner:
Cash Department
Mr. Javad Ahmad and Mr. Iqbal are working in this department
as cash supervisor and cashier. They are performing following
functions.
1. Cash Related
2. Unrelated with Cash
Mainly related to bills entry, BILLS are auto of charges from the seller
to buyer.
Bills department performs the function of collection of these bills. It is
of two types:
• Clean collection
• Documentary collection
1. Clean collection
Party account Cr
2. Documentary / Inward bills for collection
Procedure
Party A/C Dr
State Bank A/C Cr
And send intimation to HBL Bahawalpur and this bank will pass the
following entry.
H O A/C Dr
Party A/C
Cr
UNITED BANK LIMITED
1,691,098 1,316,992
BALANCE SHEET
AS AT DECEMBER 31,2008
(Rupee in 000)
ASSETS
2008 2007 2006
Cash and balances with treasury banks 23,844,435 17,274,461
15,649,561
Balance with other banks 17,699,334 11,386434 9,985,788
Lending to financial institutions 16,262,504 23,096,028 3,627,557
Zahid Hussain (M.Com) 44
54,953,728 Investments
56,516,760
Advances
69,244,328
Performing 144,806,581 92 ,513,736 67,355,236
Non-performing 6,118,006 3,611,442
Other assets 4,393,852 3,001,793
5,452,870
Fixed assets 3,969,006
3,636,065
Taxation recoverable 45,728
Deferred tax asset-net 5,194,89
3,754,236 2,710,892
283,171 314,712
5,486,357 5,026,457
LIABILITIES
NET ASSETS
17,364,031 15,049,873 11,071,717
---------- ---------
Balance Sheet
Liabilities
Shareholder's Equity
RATIO ANALYSIS
SOLVENCY RATIOS
ACTIVITY RATIOS
Total Asset Turnover Ratio 3.39%
Operating Asset Turnover Ratio 10.25%
PROFITABILITY RATIOS
2008 2007 2006
BANKS SPECIAL
4.12% 4.00%
10.32% 10.33%
7.50 %
7.00 %
6.50 %
6.00 %
5.50 %
Equity Capital to Total Asset is increase 2006 to 2007 little bit but it
become decrease in 2008 but this decrease is lesser than the
proportion of increase. In 2007 the Total Equity was higher than the
2006 and 2008. It may be call back its shares or its profit become
low in 2008 due to which this ratio become decrease.
DebtRatio
94.20%
94.00%
93.80%
93.60%
93.40%
93.20%
93.00%
92.80%
92.60%
Debt-equityTimes
16
15.5
15
14.5
14
13.5
13
12.5
12
5.00%
4.00%
3.00%
2.00%
1.00%
0.00%
Total Asset Turnover increase in 2007 very little bit but it becomes
decrease in 2008, which is not so favorable. This ratio indicates that
the proportion in the turnover is not sufficient as the amount of total
asset increase it should be necessarily that turnover increased.
10.35%
10.30%
10.25%
10.20%
50.00%
40.00%
30.00%
20.00%
10.00%
0.00%
operating asset is little bit. UBL should control its operating cost.
Net Profit Margin is increasing trend, which is favorable for the UBL
This ratio shows that a great achievement is happening from 2006 to
2008 in its net profit margin. Great achievement to control its expenses
and increase its other income. This shows that the administrative
department is working well.
Return on Investment
5.00 %
4.00 %
3.00 %
2.00 %
1.00 %
0.00 %
ReturnonEquity
25.00%
20.00%
15.00%
10.00%
5.00%
0.00%
E arningPerShareRs
Economic outlook
Credit Rating
The JCR-VIS Credit Rating Company Limited has assigned a
short-term credit rating of “A-1+” to the Bank. This is the
maximum rating in the short-term and denotes outstanding short-
term liquidity with highest certainty of timely payments. Further,
the medium to long-term credit
Rating assigned is “A+”, indicating good credit quality,
moderate risk and strong protection factors.
STRENGTHS
1. UBL has its own online software, this software also sell
to the other banks and earn.
13. Till May 2005, the bank had successfully issued over
50,000 credit cards within the country.
17. The bank has also expanded its ATM network from 10 to
53 ATMs by year-end 2004.
SHORTFALLS / WEAKNESS
OPPORTUNITIES
THREATS
1. The ATM network has not its own that’s why huge
amount transfer into the ABN ambro account.
Conclusions
• UBL should appoint the BDO’s at least hub level with the
help of this strategy UBL can increase it deposits.