1

Commercial Banking
“My aim is not to make a good business
manager only but also wins the heart
of peoples through my behavior and
courtesy.”

COMSATS Institutes of Information

Technology M.A.Jinnah Campus Lahore.
Department of Management Sciences
2
 Project Presented to:
Sir Ahmad Hassan

Presented by:

Talal Tariq SP08-MBE-052

3
Comparison of the Services
of SCB & UBL

Vs
Standard Chartered Bank Introduction

Group was formed in 1969 through a merger of two

banks: The Standard Bank of British South Africa
founded in 1863, and the Chartered Bank of India,
Australia and China, founded in 1853.
The Bank opened its first branch in Karachi in 1863.
Standard Chartered has a history of over 150 years
in banking, over 1,400 branches in over 50
countries and employs 70,000 people
UBL Introduction

UBL has assets of over Rs. 620 billion and a

solid track record of fifty years - in addition
to the convenience of over 1170 branches
serving you throughout the country and
also at several overseas locations.
SCB (Vision,Brand Promise & Values)
Vision
To be the best Bank in Pakistan, leading the way with
superior performance, sustained service excellence and
engaged people.
Brand Promise
Here for good

Values
 Courageous > Responsive
> International > Creative
> Trustworthy
UBL (Vision, Mission & Values)
Vision
To be a world class bank dedicated to excellence and to surpass the
highest expectations of our customers and all other stakeholders.
Mission
 Set high standard of quality.
 Optimize people, processes & technology.
 Become most sought after investment & recognized as the employer of
choice.
Values
> Honesty, Integrity > Fairness and Meritocracy
> Teamwork > Commitment & Dedication
> Courtesy & Respect
Overview
Bank’s Overview UBL SCB

Date of Established 07 Nov 1959 1969

Branches (Domestic) 1121 162

Branches (International) 17 1400

Ratings (Long Term) AA+ AAA

Ratings (Short Term) A1+ A1+

Ratings (TFC) AA+ A1+

ATM’s 383 200

Financial Overview

Bank’s Overview UBL SCB

Total Deposits (2009)

Rs 504 Billion Rs 206 Billion

Profit after Tax (2009)

Rs 9.5 Billion Rs 7.9Billion

EPS (2009)

Rs 8.3 Rs 8.19

Employees
8738 9000
Subsidiaries
UBL SCB

 United Bank AG Zurich, Switzerland.  Standard Chartered Leasing Limited

 United National Bank Limited, UK (Joint venture with  Standard Chartered Modaraba
NBP).
 Standard Chartered Services of Pakistan
 UBL Fund Managers Limited. (Private) Limited
 United Executors and Trustees Company Limited.
Major Depository Services
of
SCB & UBL
 UBL SCB
 UBL Business Partner - Current  Standard Chartered Bank Business
Depository Accounts
Account Account
 Rupee Transactional Account (RTA) -  SCB Easy Saver Account
PLS Saving Account
 SCB Bonus Saver
 UBL UniFlex
 SCB Rupee Current Accounts
 UBL Unisaver
 SCB Basic Banking Account
 Certificate of Deposit
 Foreign Currency Savings
 Foreign Currency Term Deposits
Receipts
 Regular Term Deposits Receipts
 Special Notice Deposits Receipts
 UBL Basic Banking Account
 UBL First Minor Saving Account
 Additional Services & Information
 Distinctive features
of
Standard Chartered Bank
Standard chartered Bank
Islamic Banking
 Halal (Riba-free) transactions

 Shariah compliant
Standard Chartered Saadiq
Accounts and Deposits
Saadiq Current Account

Saadiq Sahulat Online Account

Saadiq Saver

Saadiq Term Account

Saadiq Credit and Debit Cards
Saadiq Home Financing

 Operates on the ‘Diminishing Musharakah’

 Riba-free finance for Home purchase
SME Banking
 Customized Solutions for Your Business

 Get the Financing You Need to Grow

 Manage Your Financial Resources Better

SME Business Accounts
Saadiq SME

 Saadiq SME Trade products

 Saadiq SME Finance Products