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
DEPARTMENT OF BANKING & FINANCE
GOVERNMENT COLLEGE UNIVERSITY FAISALABAD

Contents
History
Introduction

Products and services

SWOT

Department of Banking & Finance, G.C University Faisalabad

HISTOR
Y

HISTORY FOUNDER
OF UBL
Agha hasan abedi founder of united bank limited was born on 14 th 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 overseason 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

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

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 tailormade 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

10

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

10

PRODUCTS OF UBL
Ameen Asaan Current Account
Ameen Mukammal Current Account (AMCA) - Local
Currency
Ameen Asaan Saving Account
Ameen Current Account (ACA)- Foreign Currency
Ameen saving Account (ASA) - Local Currency
Ameen Monthly Saving Account
Ameen Business Account (ABA)- Local Currency

Department of Banking & Finance, G.C University Faisalabad

11

PRODUCTS OF UBL
Ameen Certificate of Islamic Investment (ACOII)- Local
Currency
AMEEN MINOR SAVING ACCOUNT (AMISA)-LOCAL
CURRENCY
Ameen Premium Account (APA) - Local Currency
Ameen Daily Munafa Account (ADMA) - Local Currency
Ameen Premium Certificate (APC) - Local Currency

Department of Banking & Finance, G.C University Faisalabad

11

UBL Services

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

Department of Banking & Finance, G.C University Faisalabad

11

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

11

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

11

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