PRESENTED TO:

PROF.RIAZ AHMED MIAN

 Presented By

Fareha Aslam Mi11MBA042

Razia Ali Mi11MBA013

Iqra Anjum Mi1MBA063

WELCOME TO
UBL

Where you come first

•The Bank was Established in
1957
•Become a schedule Bank
on 7th November 1959
•It has 1100 domestic branches
$ 20 overseas branches
•Head Office:
I.I Chandigarh Road Karachi

•Become Nationalized Bank on

21st December 1974
Presently UBL is managed by a board
of directors including one president, 4
directors from UBL, 1 from Pakistan
Banking Council and one from ministry
of finance.
 Chairman

Organizational Deputy Chairman

Structure Board of Directors

Executive
Committee
Managing Director

SEVP

EVP

VP

Officer Grade-I
Non Clerical Clerical Staff Officer Officer
Staff Grade-II Grade-III
•Vision Of UBL:
The vision of UBL is “A World - Class Bank Where
You Come First” which means that they believe that
their customers’ needs come first. It is this “You First”
culture they are creating at UBL to truly become a
world-class bank, which takes care of its customers
and provides them with world-class services &
products.
•Mission Of UBL:
“Its mission is to serve customer’s social,
commercial, corporate needs and ensure
their full satisfaction through product
innovation, personalized banking, and top
notch services”.
 Types OF Banking
•Consumer Banking •Commercial Banking
•Cooperate Banking •Investment Banking
•Online Banking •Treasury
•Islamic Banking
Consumer Banking:
In UBL Consumer Banking any individual can get
friendly, efficient and attentive personalized
banking services. UBL services are:
•UBL Money $ Credit Card •UBL Business Line $ Address

•UBL Driver $ Cash Line •PLS Saving Accounts

•PLS Term Deposit •Uni Saver
•Remittance
Commercial Banking
If any person has a small or medium-
sized business, UBL can assist him with
the right mix of banking services that will
help him manage and grow his business
 Cooperate Banking
The CBG (Corporate Banking Group) department of UBL
defines corporate banking in Pakistan. Amongst the
local banks UBL, CBG is the pioneer in providing
innovative solutions to its diversified and satisfied
customer base. UBL CBG is considered to be a major
player in the financial market of Pakistan.
The Corporate Banking Group focuses on attracting and
servicing large portfolio customers.
Investment Banking
IBG specializes in providing
innovative and unique advice to its
clients to assist them in meeting
challenges in an ever-changing
market. IBG consists of twelve
dedicated professionals
 Online Banking
With UBL’s state of the art online banking, customer
can access his account from more than 350 branches
located in 71 cities across Pakistan.Silent feature of
online banking are:

1.Cash Deposite 2.Cheque Encashment 3.Stop

Payment
4.Account Statement 5.Fund Transfer
Treasury:
The UBL Treasury & Capital Markets (TCM)
has developed a reputation as a proven
market leader in converting innovative
ideas into profitable ventures for the bank
and for its customers
Islamic Banking:
•To manage and be responsible for the
operations of Islamic banking business (IBB)
•To liaise with other departments in the bank
•To ensure that all funds pooled into the Islamic
Banking Fund (IBF) are channeled into shariah
compliant financing and investment activities
Cash Management Department
Cash Management

Operation Sales
•The working of sale department is to
provide the services to the cooperate client.
•Operation department deals bulk transaction
worth in millions & billions through on line
banking in a single day.
It performs the two important functions. Which
are,
1.Collection
2.Disbursement
Working Of Cash Management
Department:
The background behind the cash management
department was that UBL corporate customers
wanted to distribute salaries among their employees
all over the Pakistan. & Interested in its sales
collected from their retailers. This will enable the
customer to manage their company’s total financial
position right from UBL desktop computer.
 Tasks Of CMD:
1.Salary distribution among the employees of the
corporate customer.
2.Customer’s sales Collection is directed through the
vast network of UBL Branches spread across the
country.
3.Transfer the Amount from one A/C to other account in
that same branch or in other branches
Financial Analysis

Years 2009 2008 2007

Total 347048951 272612663 216621247
Assets
Total 325380681 225248632 200339486
liabilities
SWOT ANALYSIS:
S:Strengths
W:Weaknesses
O:Opportunities
T:Threats
 Strengths:
•The biggest strength of UBL is its
•brand name
•Quality products and services
•Innovative products
•UBL has more than 5 million regular customers.
•Largest network with 1100 branches with 20 overseas
branches.
•UBL have a big market share about 8.5%.
•Customer closeness.
•Totally professional team
Weaknesses:
•UBL has less emphasis on Islamic
banking
•UBL has not such many branches in
rural areas.
•Less promotional activity for the old
employees
Opportunities:
•Capturing market share
•Very wide international market
awaiting for UBL for its products
Spatially in UAE
Working on a new system called
“GENESIS” for on line transitions
 Threats:
•Highly competitive banking environment.
•Due to more consumer financing there is a
threat of bad debts
•Competitors like NBP, MCB Bank ABN
AMRO, Standard Chartered, Bank Alflah and
many more.
Pest Analysis

P:Political
E:Economic
S:Social
T:Technological
 Political

Influence of Government
Antitrust law
Continues political changes
Global changes
 Economical

Inflation
Burglary
Labor cost
Unstable policies
 Social

Illiteracy
Carrer attitude
Culture
Population growth rate
Technological

R & D activity
Rate & technological diffusion
Investments
Innovation
Conclusion
UBL is best online bank in Pakistan, which gives customer the
power to send money to anyone in Pakistan; even if
they do not have a bank account at UBL. By
adopting new strategies, UBL can compete its
competitors with up-to-date technology and
improvement and addition of more online services
Customer can send money to another UBL customer
through Account-To-Account transfer just within 48
hours anywhere in Pakistan.
Recommendations
•New blood should be injected and young professionals should
be recruited on merit to induce enthusiasm in the bank.

•Customers should be made focus of all activities to boost up the

business.
•More internees should be entertained as they may prove to be
the ‘envoys’ for the bank.

•More publicity about bank’s unique schemes and operations

needs to be done on multi-media especially T.V