United Commercial Bank Limited (UCBL) is one of the largest banks in Bangladesh, incorporated in 1983. It has 187 branches across the country and over 3,400 employees. UCBL's vision is to be the bank of first choice by maximizing value for clients, shareholders, and employees. The document discusses UCBL's business activities, management structure, strengths like its large branch network, weaknesses like lack of long term strategies, and opportunities to introduce new products and better serve customers. It also provides recommendations on how UCBL can improve, such as establishing more ATMs and emphasizing advertising.

1. Presentation
on
United Commercial
Bank Limited

2. Introduction
United Commercial Bank Limited is one of the largest
first generation banks in the country which was
incorporated on 26 June 1983 as a public company
with limited liability under the Companies Act 1994.
The bank started banking operations with an
authorized capital of Taka 100 million divided into
about 1 million ordinary shares of Taka 100 each. The
paid-up capital was Taka 35.5 million. Later, both
authorized and paid-up capital were increased several
times and on 31 December 2018, the authorized capital
of the bank stood at Taka 15000 million.

3. With a vast network of 187 branches the bank has
expanded its arena by diverse segments like:
 Retail Banking
 SME Banking
 Corporate Banking
The Bank, aiming to play a leading role in the
economic activities of the country, is firmly engaged in
the development of trade, commerce and industry by
investing in network expansion and new technology
adoption to have competitive advantages.

4. Company Profile
Name of the Organization United Commercial Bank
Limited (UCBL)
Commencement of Business 28 June 1983
Authorized Capital Taka 15000 million
Total No. of Employees Around 3,400
Total No. of Branches 187
Total No. of ATMs 472
SWIFT UCBL BDDH
Website www.ucbl.com.bd
Business Motto “Happy Banking”

5. Vision
“To be the Bank of first choice
through maximizing value for
the clients, shareholders &
employees and contributing to
the national economy with
social commitments.”

6. Establishing bank as a strong bank and socially
responsible bank in the market and society with good
fundamentals like:
 Value and reward both individual initiative and
teamwork.
 Foster an environment in where employees are
proud and eager to work.
 Utilizing human resources in an effective &
efficient manner as well as.
 Offering best value based greener products and
services.
 Establishing good corporate governance and
compliance culture.
Mission

7. Core Values
The Core Values of UCBL are as
follows-
 Put the customers first.
 Emphasize on professional ethics.
 Maintain quality at all level.
 Being a responsible corporate
citizen.
 Say what we believe in.
 Foster participative management.

8. Codes of Conduct &
Ethics
The salient features of UCBL’s Code of Conduct and
Ethics Policy are as follows-
Confidentiality
Conflict of Interest
Outside Pressure
Recording & Reporting
Fraud or illegal Activities

9. Corporate Governance
UCBL gives importance on the corporate governance in
endorsing a well-organized and clear administration.
The bank follows the guidelines to ensure corporate
governance is given below-
 According to the regulations of Bangladesh Bank,
the Directors in the Board are 13 in number. The
bank is also fulfilled with the regulations of safety
and Exchange Commission.
 Executive Committee and Audit Committee are the
two committees of the board of directors.
 The Board makes sure the compliance with the rules
and regulations of Securities and Exchange
Commission (SEC) and other regulatory bodies.

10. Top Level
Management
• Chairman
• Board of
Director
• Executive
Committee
• Managing
Director
Executive Level
Management
• Additional
Managing
Director
• Deputy Managing
Director
• Executive Vice
President
• Senior Vice
President
• Vice president
Mid-Level
Management
• First Assistant Vice
president
• Senior Executive
Officer
• Executive Officer
• Principal Officer
Junior Level
Management
• Senior Officer
• Management
Trainee Officer
• Junior Officer
Operational Network

11. General Banking Activities
Everyday transaction of banking system is the main
operation which is handled by general banking sector. It
has to meet the customers demand for cash and to
receive investment from them. In UCBL, departments
under general banking section are given below-
 Account Opening Section
 Cash Section
 Deposit Section
 Remittance Section
 Account Section
 Clearing Section
 Other Customer Service Section.

12. SWOT Analysis
Strengths
 The bank has 187 branches all over the country to
provide better service to the customers. Every
branch is located in a comfortable, convenient and
secure place so that customer’s feels safe and
secure while doing transactions.
 UCBL is one of the top banks which give quality
service to the customers.
 The bank has a fully operational and fast online
service all across the country.

13. Weaknesses
 The bank does not have any long-term strategies
whether it wants to focus on retail banking or
become a corporate bank.
 The bank has an insufficient work force. As it has a
weak recruitment policy, it has failed to provide
more human resource .
 Some of the job in UCBL has no path for
promotion. So people feel less motivated to work in
those positions.
SWOT Analysis

14. SWOT Analysis
Opportunities
 UCBL’s special corporate scheme can be
introduced for the corporate level customers or
customers with a high income.
 The bank can also initiate various schemes for
service holders. The schemes for the service
holders must be created according to their type of
profession, level of earning etc.
 Variety of retail lending products has a very large
and easily pregnable market.

15. Threats
SWOT Analysis
 Not suitable for future competition in the market
 Major Economic depression.
 Government pressure to reduce interest rate

16. Philanthropic
Activities
Over the past 30 years, UCBL has rendered extensive
financial assistance for benevolent purpose. The Bank
has organized its CSR activities around Four main
areas which are-
 Education
 Health
 Disaster Management
 Environment.

17. Recommendation
 The entire department should be well informed
regarding their goals and objectives.
 Establish more ATM Booth & maintain the existing
ATM booth will help the customer to get excellent
services and retain them.
 The bank should emphasize more on advertising
about their services and facility for the clients.
 To meet high rising demand of today’s customer; the
bank should introduce Mobile banking.
 TV commercial is one of the most effective medium
of advertising. It’s an easiest way to promote your
brand in mass population. So UCBL should promote
them more at TV Channel.

18. Conclusion
In every economy of the world financial sector is highly
regulated. However, United Commercial Bank Limited
has a vision and mission to do something different.
Therefore, the UCBL people are trying to be different
from another bank and that can be the quality &
efficient management of the financial product of the
bank. UCBL is improving itself in all aspects of banking
but this efforts need to be continued for some more
years. In the past, UCBL performance was not good.
For which the Bangladesh Bank classified it as problem
bank but very soon they able to overcome the capital
shortfall and reserve by issuing of right share.

19. Thank
You 