The document discusses the assessment of a credit application submitted to United Bank Limited. It defines what a credit application is and the information it contains, such as identifying details, financial information, references, and terms and conditions. The assessment process usually involves investigating and verifying the application before making a determination. A practical study of United Bank Limited discusses its history and operations. A SWOT analysis finds strengths in customized products and services, weaknesses in technology compared to competitors, opportunities in new technology, and threats from competitors. In conclusion, United Bank Limited's credit application assessment process is effective.

1. Topic:
Assessment Of Credit Application
Presented to: Sir Rizwan Hamid
Presented by: Mateen Altaf
Class: MBA (B&F) 3rd semester
Subject: Financial Management(8513)
Allama Iqbal Open
University, Islamabad

2. Acknowledgment
First of all thanks to ALLAH, Who is most beneficent & the
most merciful, Whose blessings are abundant & favors are
unlimited.
It’s my pleasure to acknowledge the guidance and support
of my subject teacher Mr. “Rizwan Hamid” for his endless
guidance.
I would also like to acknowledge the “ United Bank
Limited“.

3. Introduction
What Is Credit Application?
 A credit application is a questionnaire that a lender or
business will require you to complete before lending you
money or extending credit to you.
A lender uses a credit application to determine your credit
worthiness.
SOURCE: Terence Channon, eHow Contributor

4. Introduction
 Identifying Information
 Financial Information
 References
 Loan Guarantors
 Terms and Conditions
continues

5. Assessment Of Credit
Application
The information you provide on a credit application tells a
story about your ability to handle money. Whether you are
looking to finance a home, a car or future purchases, a
potential lender uses this information not only to assess
your ability to repay, but to determine whether or not you
will repay.

6. The credit application process usually involves investigation,
verification and assessment before your lender makes a final
determination.
 Credit Report
 Verification
 Assessment
 Automated
 Manual

7. Practical Study
United bank limited established in 7th
November 1959. By June 1960, shortly
after six months of opening its doors to
the public, UBL had branches in Karachi,
Lahore, Dacca, Lyallpur, Chittagong and
Narayangaj. In 1963 UBL became the first
bank in Pakistan to have a branch
overseas-on William Street in London.
In 1990,s the govt. of Pakistan decided to change the face of banking by
creating a blueprint to privatize UBL. 52 years of glorious history now
UBL have more than 1300 branches in Pakistan and under the
supervision of Chairman Sir Anwar Pervez. Its 15 branches outside the
country.

8. SWOT Analysis
Strength:
UBL offering Customized Products and services. Aggressively
better then its competitors.
Weakness:
UBL is a step behind in using new technology as compared
to other banks.

9. Opportunity:
By bringing new technology and modern business processes
will bring the change and increase their profitability.
Threats:
Competitors are the biggest threat to United Bank
Limited.

10. In United Bank Limited, it indicates that the process of
assessing credit application is working effectively in the
company.
Conclusion