In the name of Allah the most gracious

the most merciful

There is no shame in not knowing; The

shame lies in not finding out.

Presentation On:

UNITED BANK LIMITED

Presented To:
MAAM SARA SOHAIL
Presented By:
M.Bazil 12527
Mohsin 12528
Adil

12508
Sobia 12531
Tooba 12519
Zahid Javed 12552
DEPARTMENT OF BANKING & FINANCE
GOVERNMENT COLLEGE UNIVERSITY FAISALABAD

Contents
History
Introduction

Products and services

SWOT

Department of Banking & Finance, G.C University Faisalabad

HISTORY

HISTORY FOUNDER OF UBL

Agha hasan abedi founder of united bank
limited was born on 14th May, 1922 in luck
now British India.
He started the carrier as a banker before the
independence of Pakistan from a bank name
India. After the independence of Pakistan he
migrated there and continued his carrier as a
banker

History of UBL

Founder Agha Hassan Abedi

November 7th 1959.
Nationalized in 1976
Privatized in Oct 2002.

INTRODUCTION

Department of Banking & Finance, G.C University Faisalabad

Introduction

United bank was established in 1959.

First branch was established at Karachi.
Union bank was merged as united bank.
Now it has more than 1300 branches (Pakistan).
UBL has 15 overseas branches.
UBL has good track record of fifty six years.
UBL has assets of Rs.300 billion.
In 1963, UBL became the first bank in Pakistan to have a branch
overseas- on William Street in London, United Kingdom.
1971, UBL once again paved the way by launching 3 online
branches in Karachi.
Department of Banking & Finance, G.C University Faisalabad

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

Department of Banking & Finance, G.C University Faisalabad

MISSION
Be the undisputed leader in financial services for our
customers
Most innovative and fastest growing bank in
targeted businesses
Continue to diversify across chosen geographies
Achieve operational excellence with the highest level
of compliance
Consistently create leaders through inspired human
capital
Contribute positively to the communities we operate
in
Department of Banking & Finance, G.C University Faisalabad

CORE VALUES
Customer first
Honesty of purpose
Teamwork
Excellence
Meritocracy

Department of Banking & Finance, G.C University Faisalabad

COMPETITORS

Department of Banking & Finance, G.C University Faisalabad

GOALS

Department of Banking & Finance, G.C University Faisalabad

AWARDS
Bank of the Year 2013 Pakistan Award, awarded by the
The Banker, a prestigious publication owned by The
Financial Times Ltd.
Asia money Best Domestic Bank in Pakistan Award 2012
Award at World Marketing Summit 2013 for contribution
towards
achievement
of
any
one
of
the
8 Millennium Development Goals (MDGs)
Best Investor Relations Award 2012. awarded by CFA
society, Pakistan

Department of Banking & Finance, G.C University Faisalabad

OBJECTIVES OF UBL
To provide the on line facility in every branch of bank.
To achieve the goals which are in profit terms?
Make best efforts to win the trust and confidence of
its customers.
To offer the varieties of services to meet the
requirement of domestic as well as foreign
customers.
To make it leading bank in banking sector.
To adopt modern banking techniques.
Operations proficiently assigned by the government.
Efficient in providing evening time facilities.
To make sure the provision of home remittance
facility to its customers.
To get all the branches computerized.

AWARDS
UBL OMNI - GSMA Global Mobile Award 2012 for Best
Use of Mobile in Emergency or Humanitarian Situations
Feb 2012
UBL OMNI - Financial Insights Innovation Award (FIA) for
Innovation in Cash Disbursements (G2P) Feb 2012
Best Credit Card Provider - Consumers Choice Awards 2011
- February 22, 2012 by The Consumers Association of
Pakistan
Best Corporate Report Award 2010 Joint Committee of
ICAP & ICMAP
Department of Banking & Finance, G.C University Faisalabad

Organizational structure

DEPARTMENATION
ACCOUNTS DEPARTMENT:

Kinds of Accounts:
Current Account
Saving Account
Fixed Account
ADVANCES DEPARTMENT:
Bank normally makes advances of the types:
Commercial Finance
Agriculture Finance
Industrial Finance
Export Finance
Import Finance
Department of Banking & Finance, G.C University Faisalabad

DEPARTMENATION
REMITTANCES DEPARTMENT

Mail Transfer (MT):

Telegraphic Transfer (TT):
Demand Draft (DD) .
DEPOSIT DEPARTMENT

Current Account
Saving Deposit Account
Fixed Deposit or Time Deposit
Call Deposit

Department of Banking & Finance, G.C University Faisalabad

DEPARTMENATION
FOREIGN EXCHAGE DEPARTMENT:
Foreign Exchange Currency Accounts
Foreign Exchange Remittance Facility

Department of Banking & Finance, G.C University Faisalabad

JOB DESCRIPTION AT BRANCH LEVEL:

BRANCH MANAGER
OPERATION MANAGER
GENERAL BANKING OFFICER
Clearing officer
Customer relationship manager
Credit officer
CHIEF TELLER
PAYMENT OFFICER:
RECEVIED OFFICER:

OPERATIONS
NATIONAL OPERATIONS:
The agriculture sector in Pakistan contributes to over 20
percent of nationals GDP and UBL is very well recognizing
its significance to the countrys economy. Thats why the bank
offers a huge & diverse mix of agriculture based finance
products. Either it is production related financing i.e., major
and minor crops across the country or it is pertaining to
development requirements i.e., land; purchase of equipment
or livestock financing, united Bank Limited has an agriculture
product tailor-made to any requirements. With simple
eligibility criteria & easy security requirements, the banks
agricultural financing products are available across Pakistan

Department of Banking & Finance, G.C University Faisalabad

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OPERATIONS
INTERATIONAL OPERATIONS:
United Bank Limited is currently running its huge network in five
countries i.e., UAE, Bahrain, Qatar, Yemen, and USA. Moreover, UBL is
also working internationally along with its subsidiary offices in UK,
Tanzania and Switzerland. United Bank Limited offers a variety of its
products and services at international level. For example, UBL offer
Tezraftaar Cash which is a new home remittance delivery service,
primarily to facilitate Pakistanis living abroad in sending money to their
loved ones in minute in Pakistan. In the same way, UBL Tezraftaar Pardes
Card is another unique product for its customers that give them a relief in
receiving their money without visiting to the banks branch, as they can
withdraw for any ATM machine. UBLs customer can also use this card
for directly spending through all VISA accepting outlets across
Pakistan.
Department of Banking & Finance, G.C University Faisalabad

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PRODUCTS OF UBL
Ameen Asaan Current Account

FREE Cancellation of CC / CBC

FREE Inter Branch Online Transactions Country Wide
FREE Debit / ATM Card (Issuance & Annual Charges)
FREE Cheque Book
FREE Duplicate Account Statement
FREE UBL Go Green SMS Alert
Flexibility of opening Current Account
No minimum balance requirement

Ameen Mukammal Current Account (AMCA) - Local Currency

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

Department of Banking & Finance, G.C University Faisalabad

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PRODUCTS OF UBL
Ameen Asaan Saving Account

Minimum documents required

FREE Inter Branch Online Transactions Country Wide
FREE Debit / ATM Card (Issuance & Annual Charges)
FREE Cheque Book
FREE Clean Bill For Collection / Intercity Clearingclosing
FREE Cancellation of CC / CBC
No minimum balance requirement No service charges for account opening or
FREE UBL Go Green SMS Alert
Ameen Current Account (ACA)- Foreign Currency

Minimum deposit requirement in US Dollar 500 or equivalent in other currencies to

Nonstop full service (within bank timing)
Available in leading currencies US Dollar, British Pound, Euro, Japanese Yen,
Saudi Riyal and UAE Dirham.
No restriction on minimum number of transactions
24/7 Call Center facility
be opened an account.

Department of Banking & Finance, G.C University Faisalabad

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PRODUCTS OF UBL
Ameen Daily Munafa Account (ADMA) - Local Currency

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

Ameen Premium Account (APA) - Local Currency

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

Department of Banking & Finance, G.C University Faisalabad

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PRODUCTS OF UBL
Ameen Business Account (ABA)- Local Currency

FREE Online Transactions Countrywide

FREE UBL Ameen VISA Debit Card
FREE Cheque Book Issuance
FREE Issuance of Cashiers Cheque / Pay Order
FREE Cancellation of Cashiers Cheque / Pay Order
FREE Cheque Return Unpaid
FREE Clean Bill for Collection
FREE SMS Alerts
Ameen Monthly Saving Account
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.

Department of Banking & Finance, G.C University Faisalabad

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PRODUCTS OF UBL
Ameen Financial Institution Deposit Account (AFIDA) - Local Currency

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

Department of Banking & Finance, G.C University Faisalabad

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CARD SERVICES
UBL CREDIT CARD:
Welcome to the world of UBL Credit Cards. Pakistan's
1st Chip Credit Card that guarantees you both
enjoyment and high value. It assures you global
acceptability in more than 22 million establishments
worldwide in.

UBL PSO Credit:

The UBL Credit Cards team now brings Pakistan's
1st Auto Credit Card - UBL PSO Auto Credit Card.
Keeping in mind the success story of our standard
UBL Card, with annual fee waiver and free liters of
fuel as.

CARD SERVICES
UBL Platinum Card:
UBL Platinum Visa Credit Card is designed to guarantee
the utmost level of services coupled with unmatched
rewards and benefits to you lifestyles. With the Platinum
Card, there is no limit to what your Credit Card can now
do for you.

UBL Wiz Card is Pakistan's first ever Prepaid

VISA Debit Card that provides the convenience,
security and benefits of an ATM and Debit Card,
locally and internationally.
More than just an ATM card, you can use your UBL
Wiz everywhere VISA cards are accepted. Whether
you are using it online, paying for petrol, shopping or
dining, you are accessing money directly from your
prepaid card, without having to visit the bank.

UBL Services

SERVICES OF UBL
Net Banking
Financial Services
Lockers
Account Opening
UBL e-statements
Internet Access Zone
Free Transfers

Department of Banking & Finance, G.C University Faisalabad

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SERVICES OF UBL
Online Branches
Free SMS Banking
Consolidated Monthly Account Statement
ATM's
UBL Ameeen Islamic Banking
UBL Insurers

Department of Banking & Finance, G.C University Faisalabad

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BCG MATRIX OF UBL

This product portfolio matrix classifies product lines into four

categories. The BCG model suggests that organizations should
have a healthy balance of products within their range. The Boston
Consultancy Group classified these products as following:

Dogs
Question Mark/Problem Child
Star
Cash Cow

Department of Banking & Finance, G.C University Faisalabad

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BCG MATRIX OF UBL

Internal Analysis
Strength
Weakness
External Analysis
Opportunities
Threats

Internal Analysis

Strength:

Having reputation for high customer banking services.

3rd largest Bank of Pakistan
Easy asses to branch locality.
Large network.
Professional and skilled management.
Well co-coordinated branch office system.
Experienced personnel.
Strong loyal customer group.
Excellent competitive skills.
Sound level of deposits.
Excellent promotional and marketing campaigns.

Internal Analysis

Weakness:
Security system of UBL main branch bank very careless
Most of employees are overloaded with the work and
promotion is also not timely.
Low salaries to staff.
Political inter presence.
Low market value of the banks stock.
Bad recovery of overdue advances.
Un-satisfactory working condition of branches.
No availability of sophisticated equipment in branches.
In efficient system of recruiting and selecting of personnel.

External Analysis
Opportunities:
An external situation, which an organization can benefit from
is called opportunity.
Increase the serving customer group.
Due to efficient and experienced management group, UBL can
improve and expand its foreign operations successfully.
Enter new markets.
Increase product line to serve large range of customers needs.
Hiring of well-qualified personnel in the work force.
Deployment of sophisticated technology in offices and
branches.

External Analysis
Threats:
Increase the number of new local and foreign
banks.
Low moral of employees.
Political interference in the affairs of the bank.
Lake of consistence in policies due to Political
instability.
Low saving rated in the country.
Economic recession in the country.

Department of Banking & Finance, G.C University Faisalabad

Department of Banking & Finance, G.C University Faisalabad