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WELCOME TO OUR

PRESENTATION
TOPIC
PRODUCT AND SERVICES OF
UTTARA BANK LTD

Presented To :

Ms. Tasneema Khan


Lecturer
Department of Banking & Insurance
University of Dhaka
PRESENTED BY:
Group-02
Arafat Alam ID-114
Esan Abrar Faiaz Prottoy ID-132
Nowrin Sultana ID-118
Rabeya Kamal ID-76
Fatema Zannat ID-80
Khalid Hossain ID-70
BRANCHES ALL OVER IN
BANGLADESH
There are 223 branches of Uttara Bank all over in
Bangladesh . It provide its banking activities through 12
zonal offices.

Total employee:
3,730
Total asset:
14,081.03 million
PROVIDING FACILITIES
Retail Banking
Retail Banking at UBL. Bank provides all types of clients with typical
banking services such as, savings accounts, current accounts, call and
short-term deposit accounts, fixed deposit accounts
Private Banking
The Private Bank at UBL. Bank meets client needs with a line of
discretionary portfolio management, custodial services, foreign
exchange, and personal banking services
Corporate Banking
Bank corporate banking arm provides a range of products and
services that address the financing needs and transaction structuring
requirements of large and mid-sized corporate customers.
Trade Financing
UBL new strength in its trade financing activities. Previously there
was limited used of SWIFT which is very crucial in efficient modern
banking correspondence.
PRODUCT AND SERVICES
Deposit Products:
1. Current Deposit Account
2. Special Notice Deposit
3. Fixed Deposit Receipt Account
4. Monthly deposit Scheme
5. Uttaran Marriage Deposit Scheme
6. Urraran Swapnapuran Deposit Scheme
7. Double Benefit Deposit Scheme
8. Uttaran Education Deposit Scheme
Loant products
9. Uttaran consumer-Credit scheme
10. Personal Loan
11. SME loans
SERVICE PRODUCT

1.Online Banking
2. ATM

3. Automated Clearing

4. Electronic Fund Transfer (EFT)

5. SMS Banking

6. Internet Banking

7. Offshore Banking

8. Remittance

9. Locker Facility

10. Student File

11. SWIFT

12. Merchant Banking

13. Letter of Credit (LC)


DEPOSIT PRODUCTS
1.Current Deposit Account:
Any Bangladeshi National residing home or abroad

may open savings account with UBL.


The account may be opened in single/joint name.

The account holder may nominate his nominee in

this account.

2.Special Notice Deposit:


Govt., Semi-Govt., Autonomous organization
and an individual may open SND Account
with UBL.
7 days notice required to withdraw.
FIXED DEPOSIT RECEIPT
ACCOUNT:
Any Bangladeshi national residing home or abroad
may open FDR with UBL.
FDR may be opened single/joint name for a period

of 3, 6, 12 and 24 months.
UBL offers attractive/competitive rate of interest

in FDR.
Monthly deposit Scheme:
a) Any adult Bangladeshi National will be eligible
to open this account.
b) The period of the scheme will be 5 (five)

yearsand 10 (ten) years term.


c)Monthly installment will be Tk.500/-, 1000/-,

2000/-, 3000/-, 5000/- & 10000/-


Double Benefit Deposit Scheme
a)Any adult Bangladeshi National will be
eligible to open this account.
b) Minimum Tk.1,00,000/- (Taka One Lac only)
and multiples thereof will be accepted as deposit
under this scheme.
c)The period shall be of 8 (eight) years term.

d)Full amount including interest will be paid


on maturity.
SOME OTHERS DEPOSIT SCHEME:
Uttaran Marriage Deposit Scheme

Urraran Swapnapuran Deposit Scheme

Uttaran Education Deposit Scheme


LOAN PRODUCTS

Uttaran consumer-Credit scheme :


UBL started Uttaran Consumers Credit Scheme
from 1996.UBL offers opportunity of Financial
assistance for
-Motor cycle/car- New or re-conditioned.

-Refrigerator/ Deep Freeze.

-Television/ VCR /VCP/VCD

Fax

Photocopier.
PERSONAL LOAN :
Personal Loan Scheme for Salaried Officers-
Emergency expenses for own marriage of a

service- holder or his dependents.


Emergency expenses of urgent surgical operation/

medical treatment.
SME Loans

Women Entrepreneurs LoanScheme.

Nari SwanirborRin Prakalpo Economic

development is closely related to the


empowerment of women.
In Bangladesh the number of Womenowned

Companies / firms continue to grow.


SERVICE PRODUCT
Online Banking

Remittance
5,203.02 million

Student File

ATM
SMS Banking

Electronic Fund Transfer (EFT)

Locker Facility

Letter of Credit (LC)


Offshore Banking

Automated Clearing

Merchant Banking

SWIFT
Findings of the study:

# The study found that the bank has a well-


developed Business Plan .
# The study found UBLs providing facilities.
# Deposit Account opening is so difficult because
of the requirements of two references for the
illiterate persons.
# Details about there product and services.
# Know about there debt loan recovery strategy.
# ATM Service is available in Dhaka City only
but still unavailable in out side of Dhaka
Recommendation:

Some necessary steps are recommended below on the basis of the


report:
To attract more clients UBL has to create a marketing strategy,
which will increase the total exporter-import business remittance.
Effective and efficient initiatives are necessary to recover the default
loans.
Provide consulting facilities to chose deposit or loan product.
Provide latest news about their deposit schemes if any changed or
modified. Account opening process should be easier for illiterate
customers
Use of latest technology in banking operation to meet up the
customers demand and service.
The Bank should increase their loan facility on deposit schemes.
It is necessary to increase the rate of interest of deposit.

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