The document discusses United Bank Limited (UBL) in Pakistan. It provides information on the group members working on a project about UBL, an introduction to UBL including its network size and international branches, a brief history since its founding in 1959, its vision, mission and organizational structure with various departments. It also summarizes UBL's financial performance in recent years, corporate social responsibility activities, and some challenges it faces.

2. Group Members
 Waqas Ahmad
 Rashid Saleem
 Faheem Khan
 Saddam Hussain

3. PROJECT ON:
UNITED BANK LIMITED PAKISTAN

4. Introduction
 United Bank Limited, one of the largest private banks in the country has been
awarded an Islamic Banking Branch license by the State Bank of Pakistan on
December 16, 2006 AD
 UBL has a network of more then 1000 branches and 3.5 million customers
 Its 15 branches outside the country are in the United States of
America, Qatar, UAE, Bahrain, and Republic of Yemen.

5. Histroy
 November 7th 1959
 In june 1960 it has 6 branches
 Karachi
 Dacca
 Lahore
 Lyallpur
 Chittagong and Narayanganj

6.  1963, UBL became the first bank in Pakistan to have a
branch overseas
 In 1967 UBL introduce the computer banking in Pakistan
 1971 UBL introduce 3 online branches in karachi

7. Vision
 To be a world class bank dedicated to excellence, and to surpass the
highest expectations of our customers and all other stakeholders
 They value our people as our greatest asset .
 They believe in hiring bright, talented, highly motivated and driven
individuals across their businesses and geographies.
 They look forward to a bright future and the best among you have a
unique opportunity to be part of it.

8. Mission
 Set the highest industry standard for quality, across all
areas of operation, on a sustained basis.
 Optimize people, processes and technology to deliver the
best possible financial solution to our customers.
 Become the most sought after investment.
 Be recognized as the employer of choice

9. Last five years major Changes:
 2013 UBL network grows to over 1,300 branches
nationwide .
 2012 UBL launches Go-Green initiative offering SMS
Alerts for account transactions.
 •2011 UBL launches Platinum Credit Card. This card is
designed to complement your
 lifestyle with credit limits befitting your stature,
accompanied by the highest levels of services,
unmatched rewards and myriad benefits.
 And it changes branch to branch to centralize.

10. Last five years major innovation
 2013 UBL, Indus Motor Company (IMC) and UBL Insurer
enter into an alliance offering
 2012 an exclusive financing deal on all Toyota cars.
 2012 Launch of UBL Airport Lounges in Domestic and
international departure terminals
 2012 UBL launches Go-Green initiative offering SMS Alerts
for account transactions.
 2011 UBL Priority Banking launches five new lounges
nationwide at Rawalpindi,
 2011 Launch of UBL Mega Wallet VISA Debit Card on
October 4, 2011 at Jinnah International Airport Karachi

11.  2011 UBL launches Silah Mila. Through this campaign, UBL
acknowledges and rewards customers who have shown
excellent performance in their loan repayments with other
banks.
 2011 UBL launches Platinum Credit Card. This card is
designed to complement your lifestyle with credit limits
befitting your stature, accompanied by the highest levels
of services, unmatched rewards and myriad benefits.
 UBL launches another product under the umbrella of
Tezraftaar - UBL Tezraftaar
 2010 Launch of UBL Wiz ACCA Card 2010 UBL Launches
Pakistan's First Premium Debit Card in Collaboration with

12. Last five years ACHIEVEMENTS
 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.
 Top Bank Partner in 2011 – EFU life.

13. Profit and sales
 UBL profits grew by an impressive 49% during January to march 2012.
 Bank has posted net profit of rs 4.87 billion in the first quarter of 2012
against rs 3.27 billion posted in the same period last.
 Net interest income core area of earnings grew marginally by 5% of rs
9.6 billion despite contracting margins.
 The Bank support of directors in its meeting held in Abu Dabi and
UAE also declared an interim cash dividend of re1 per ordinary shares
of RS10.Gross advances have increased by 9% over December 11 reaches
to Rs 400 Billion. Return on assets improved by 2.1% for the full year
2011 and return on equity increased from 23.7% for 2011 and 25.7 % for
the ninth month of 2012. BOD declared the 22% dividend profit to the
shareholders.

14. Declaration of Rates of Profits on PLS Term
Rates in 2003 after Privatization
Period Profit Rate
3 months 2.90%
5 Years 3.90%

15. Theory
 Bureaucracy:
Bureaucracy is a particular type of administrative
structure developed through rational-legal authority.

16.  Weber stressed that the rational-legal form was the
most stable of systems for both superiors and
subordinates -- it’s more reliable and clear.

17. Max Weber, a bureaucracy always displays thefollowing c
haracteristics:
 Hierarchy
At the top of the organization is a chief who oversees the
entire bureaucracy. Power flows downward.
Specialization:
Bureaucrats specialize in one area of the
issue their agency covers.
Division of labor:
Each task is broken down into smaller tasks, a
different people work on different parts of the
tasks.

18. Uses
 Schools, hospitals, courts of law, libraries, universities,
industrial firms, parliament, all need rules and all
need bureaucracy.
 So bureaucracy is one of the great tools of civilization.
 Increased efficiency can lead to better medical care,
better traffic control, a better economy, and all sorts of
benefits which make life run smoothly.

19. Criticism
 A fundamental failure of bureaucracy was its tendency
to foster ‘goal displacement’.
 Highly bureaucratic organizations were resistant to
change. A prevailing atmosphere of Hierarchy, control,
efficiency and predictability meant that organizational
members favored self-continuity and felt threatened
by change.

20. Corporate social responsibility
 CSR is a process to achieve sustainable development in
societies.it is also called that A company’s sense
responsibility towards the community and
environment (both ecological and social) in which it
operates .

21. Sustainable development

"Sustainable development is development that
meets the needs of the present without
compromising the ability of future generations to
meet their own needs.

22. Community development
 Do something good for the community

23. CSR statement
 In 2013, UBL has contributed a total of Rs 41.3 million
to worthy causes as part of its CSR initiatives.
 One of the worthy new recipients was Bazm-e-Kiran,
an NGO focused towards community welfare and the
 rehabilitation of juvenile delinquents. Through a
donation for a Triple Merger Center in Azad Kashmir,
the
 bank continued to support the Marie Adelaide Leprosy
Center which provides free treatment for leprosy
 and related ailments across Pakistan.

24. CSR ACTIVITIES
 UBL's CSR activities have focused on multiple sectors,
which include but are not limited to:
 Education
 Healthcare
 Community Welfare
 Sports

25. CSR ACTIONS
Education
 Forman Christian College
 The Citizens Foundation
 Old Association of Kinnaird Society (OAKS)
 SOS Children's Village
 SindhWelfare Association for Deaf
 Children Welfare School

26. Health
 Gulab Devi Hospital
 Cardiovascular Foundation
 Memo Medical Institute
CommunityWelfare
 SindhWelfare Association for Deaf
 Buksh Foundation
 Hisaar Foundation

27. Organizational Structure

28. DEPARTMENTS
 Remittance department
 Clearing house department
 Account opening department
 Cash department
 Deposit department
 Advance department
 Computer department
 Accounts department
 Pension disbursement department

29. Department Heads
Sheikh Nahayan Mabarak Al Nahayan
 Chairman
 Sir Mohammed Anwar Pervez
 Deputy Chairman
 Mr. Atif R. Bokhari
 President & CEO
 Mr. Omar Ziad Jaafar Al Askari
 Director
 Mr. ZameerMohammed Choudrey
 Director
 Mr. Amin Uddin
 Director
 Mr. Arshad Ahmad Mir
 Director
 Mr. Rana Assad Amin
 Director

30. Crisis
 Financial
 IT problems
 Problem in security

31. Purchase process
 UBL should have a strong marketing department like
many other private banks have, for the publicity of
their products and make well inform the customers all
the services provided by the bank and to conduct
detailed market researches to find out new
opportunities, needs of the customers and make
comprehensive plans to capitalize those opportunities