Presented To: Honorable Prof.

Riaz Ahmed Mian

Presented By:

Muhammad Ali Khurram Abbass

Ei08MBA03 Ei08MBA018

Courtesy: UBL Official Web Site

Info by UBL Branches

Synopsis

o Brief introduction o History of UBL o Share holder profile o Organizational Structure o Financial snap shot o Products and services overview o Subsidiaries Overview o SWOT analysis o Conclusion oQ&As

United Bank Limited (UBL) is one of the largest commercial banks in Pakistan, having a solid track record of about 50 years, manned by more than 11,000 employees, it has an asset of more than 550 Billion Rupees. It has presence in Pakistan by a network of 1,112 branches and overseas representation by 15 branches and 2 subsidiaries banking companies.

Agha Hasan Abedi founded the bank in 1959 with an authorized capital of Rs.20million. In 1971 the Government of Pakistan nationalized UBL. In 2002, the Government of Pakistan sold its 51% shares by an auction to a consortium of Abu Dhabi Group and Best way Group.

Vision

To be a world class bank dedicated to excellence,

and to surpass the highest expectations of our customers and all other stakeholders.

Mission

1. Set the highest industry standard for quality across all areas of operation, on a sustained basis;
2. Optimize people, processes and technology to deliver the best possible financial solutions to our customers; 3. Become the most sought after investment.

Slogan

The Abu Dhabi Group is one the largest UAE based group of investors actively participating in investment activities in countries like Pakistan, Bangladesh, Iran, Uganda, Republic of Congo, the middle east and growing. The market value of only the group portfolio can easily be stated to be in excess of US$ 10 billion.

Major Investments of Dhabi Group in Pakistan:

o Bank Alfalah Limited o United Bank Limited o Warid Telecom o Wateen Telecom o Alfalah Securities o Alfalah Insurance

UBL Organizational Structure

Board of Directors Presidents Vice Presidents Regional Chief

District Managers
Managers Operation Managers Officers Clerical staff

Board of Directors His Highness Shaikh Nahayan Mabarak Al Nahayan Sir Mohammed Anwar Pervez, OBE, HPK Mr. Atif R. Bokhari

Chairman Deputy Chairman President & CEO

Mr. Omar Ziad Jaafar Al Askari

Mr. Zameer Mohammed Choudrey Dr. Ashfaque Hasan Khan Mr. Muhammad Sami Saeed Mr. Amin Uddin Mr. Aqeel Ahmed Nasir Mr. Aameer Karachiwalla

Director
Director Director Director Director

Company Secretary & Chief Legal

SEVP/Group Chief Financial Officer

Holding Company:

Modes of Banking:
o o Conventional UBL Islamic - UBL Ameen

Subsidiary Companies oUnited National Bank Limited (UNBL), United Kingdom oUnited Bank AG (Zurich), Switzerland oUnited Insurer oUBL Fund Managers Limited

United National Bank Limited (UNBL), United Kingdom

United Bank AG (Zurich), Switzerland

UBL Conventional & Islamic(Ameen)

UBL Fund Managers Limited

United Insurer

Credit Rating by JCR - VIS Credit Rating Company Limited

Long Term Rating: 'AA + , which denotes good credit quality. Protection factors are strong. Risk is modest but may vary slightly from time to time because of economic conditions. The short-term rating is A-1+, which denotes the highest certainty of timely payment. Short-term liquidity, including internal operating factors and / or access to alternative sources of funds, is outstanding and safety is just below risk free Government of Pakistan's short-term obligations.

UNCONSOLIDATED CONDENSED INTERIM BALANCE SHEET AS AT SEPTEMBER 30, 2009

DEPOSITS & COMMERCIAL PRODUCTS o UBL Business Partner - Current Account o Rupee Transactional Account (RTA) - Pls Saving Account o UBL UniFlex o UBL Unisaver o Foreign Currency Savings o Foreign Currency Term Deposits Receipts o UBL Basic Banking Account

CARDS & LOANS

o UBL Credit Card - Chip Credit Card o UBL Wiz - Pakistans First Prepaid Visa debit Card o UBL Wallet - Visa ATM Debit Card o UBL Address - Home Loan Facility o UBL Businessline - Business Financing Loan o UBL Cashline - Running Finance Facility o UBL Drive - Auto Loan

o UBL Agricultural
o UBL Small Business - SME Loan

Services:

oUBL netbanking oUBL e-statement oHumrah oRemittance

United Bank Limited was awarded the Islamic Banking Branch license by the State Bank of Pakistan on December 16, 2006. With that, we are proud to announce the launch of Ameen, UBLs Islamic Banking initiative. By the grace of Allah, our first flagship branch, located at M. A. Jinnah Road opened its doors to the public on December 22, 2006 (29 Ziqaad 1427 AH).

Products

o o o o o

Current Account Saving Account Certificate of Islamic Investment Foreign Currency Monthly Certificate of Islamic Investment

Services o o o o o UBL UBL UBL UBL UBL Ameen Ameen Ameen Ameen Ameen Online Banking NetBanking e-Statement Visa Debit Card Lockers

UBL Insurers has been licensed to transact general insurance business in Pakistan with effect from 5th January, 2007. Commission of Pakistan. UBL Insurers seeks to bring banking and insurance together in offering comprehensive financial solutions, to better serve the existing customers of UBL as well as to bring in new business.

UBL insurance is providing covers for both personals and Businesses. The products are as following: oAuto insurance oHome insurance oAccident insurance oMarine insurance oEngineering insurance oLiability insurance oFire insurance

UBL Fund Managers was established in 2001. The company is the first Asset Management Company to be launched by a bank in Pakistan.

UBL Fund Managers is currently managing funds over Rs. 25 billion as of September 30, 2009. . making it one of the largest asset management companies in Pakistan. They are currently managing 5 open-end funds, 1 closed-end fund, and 9 open-end investment plans. And are also dealing in investment advises.

SWOT Analysis:
Strengths: oOwnership Of Strong Group oHuge Deposits oAdvances on Sound Basis oInfrastructure oBrands oFast Service oGood Credit Rating

Weaknesses:

o Centralization

o Ineffective personnel policies

o Low Motivation Level o Reactive Approach o Recovery o Land Marks across Pakistan

Opportunities: o Mobile Banking o International Expansion o Trade Shows o Liberalization o Socio cultural o Islamic Banking

Threats

o Unfavorable political conditions o Governmental Policies o Aggressive Competition o International financial slump o Customer Behavior

Competitive Strategy

United Bank Limited follows Competitive Strategy (competitive strategy identifies how to build and strength the businesss long-term competitive position in the market place) because of vast number of its competitor in the market place. UBL analyze its strengths with weakness and opportunities with threats to maintain its comparative advantage. The competitive advantage of UBL is based on Differentiation. It provides different online and offline services to win its customer and periodically analyze the competitive marketplace to enhance its services at a high level.

Business Objectives
Prompt account information. Speedy remittances

Improved counter service faster turnaround for most transactions and better service through multi-function tellers. Introduction of new products and services currently not available such as account operation from other branches

Better branch environment

Specialized staff for credit and processing

Social Objectives
Prime Ministers Flood Relief Fund- 2010 Chief Ministers Flood Relief Fund Khyber Pakhtunkhwa 2010 Sahara For Life Trust Sindh Institute of Urology and Transplantation (SIUT) The Layton Rahmatulla Benevolent Trust (LRBT) Free Eye Care Shaukat Khanum Memorial Cancer Hospital and Research Centre Taaleem for All Trust

United Bank Limited (UBL) & the spirit of good corporate citizenship:
As a bank that has always upheld the spirit of giving to its stakeholders, the customers & the society, UBL is now taking a step further and asking its valued customers to join hands with it & help strengthen its role as a corporate citizen. The corporate social responsibility that UBL has can only be wholeheartedly served when its valued customers come together with the bank in its contribution towards the betterment of society.

Business level strategies

Cost leadership Differentiation Focus

Business level strategies

Cost leadership: UBL aim is to become low-cost leader in banking sectors that is why UBL is providing effective services in low cost than other banks in Pakistan. Differentiation: UBLs strategy is to provide unique banking services to its customers in banking sectors to make itself valuable for its customers. Focus: UBL provides banking services to its customer in that way that customer cannot get that services from other competitors.

Corporate Level Strategies

UBL uses two types of Corporate-level strategies Diversification strategy Geographic expansion strategy Diversification Strategy: It implies that UBL will expand by adding new service lines. With the passage of intervals UBL is used to introduce new banking services. Geographic expansion strategy: It takes the company abroad. Acting upon this strategy UBL has been expanded abroad. The abroad branches are mentioned above in introduction section. UBL is planning to expand its business and branches in more countries.

Major Goals

The Management of United Bank Limited (UBL), in order to further improve the quality of service, particularly at the branch level, is restructuring its commercial banking operations. In this regard the concept of Central Branch and its Satellite branches is being introduced to achieve desired improvements in its service levels.

SUGGESTIONS & RECOMMENDATIONS

At the end of everything , it needs suggestions andrecommendations. According to our judgment the following are the suggestions and recommendations.

As UBL is expending with it network 1058 branches, it should be beneficial for the bank to computerized all the branches and earn more than before. It should be necessary for the UBL that for the old employees training session for well grooming, because even they dont know that how to deal with new technology. UBL should be appointing at least one HR officer at hub level for dealing HR related work. As UBL have well in IT sections, we think they can develop their own ATM network as M.net and 1 link. The ATM machine is some times in small cities remain disturb thats why customer become dissatisfied, if UBL have its own network related ATM than this problem should solve.

Conclusion

UBL is a strong, durable and innovative financial entity.

Q&As