The document provides an overview of United Bank Limited (UBL), one of Pakistan's largest commercial banks. It discusses UBL's history, vision, mission, board of directors, organizational structure, and various banking products. Specifically, it outlines UBL's consumer loans (including home loans, auto loans, and loyalty program), card products, deposit products, priority banking, retail and corporate banking services, investment banking, treasury services, digital banking options, Islamic banking division, international banking services, and non-resident Pakistani services. It also includes a SWOT and PEST analysis section and concludes with an acknowledgment.
Mudasra Amjad completed an internship at the United Bank Limited (UBL) Fride Gate branch and submitted an internship report. The report provides an introduction to UBL, including its establishment in 1959 as one of Pakistan's major commercial banks. It describes UBL's vision, mission, objectives, organizational structure, departments, products and services. The report also includes a financial analysis of UBL using ratios, a SWOT analysis, recommendations, and a conclusion on Mudasra's learning experience during the internship.
Internship report on MCB Limited by Labeeda FaridLabeeda Farid
This internship report summarizes the internship experience of Labeeda Farid at MCB Bank Limited, focusing on the human resource department. MCB Bank is one of the largest and oldest banks in Pakistan, established in 1947. The report provides an overview of MCB Bank, including its vision, history, organizational structure, products and services. It also describes the key departments Labeeda Farid worked in, including customer dealing and operations, and the tasks she completed during her six-week internship.
This document provides a 3 page internship report summary for an internship at Habib Bank Limited (HBL) in Pakistan. The summary discusses the executive summary of the internship experience, acknowledges those who helped with the report, and provides an introduction to banking evolutions and the structure of Pakistan's financial sector. HBL is introduced as the largest private sector bank in Pakistan, with over 1,500 branches. The report discusses HBL's background, privatization in 2004, mission, vision, administration, and departments including account opening, cash, clearing, and transfers.
United Bank Limited (UBL) is one of Pakistan's largest banks. This report provides an overview of UBL based on the author's six-week internship at a UBL branch. It discusses UBL's history dating back to its founding in 1959, nationalization in the 1970s, and privatization in 2002. The report also outlines UBL's organizational structure, products and services offered, financial performance, and recommendations.
The document is an internship report submitted by Mazhar Abbas to Zainb Akram, detailing Abbas' 6-week internship at MCB Bank Limited in Multan, Pakistan. The report provides an executive summary of Abbas' tasks in the bank's remittance department, filling forms for transactions like pay orders, online transfers, and demand drafts. It also includes background information on MCB Bank, its vision, organizational structure, products and services, SWOT analysis, and marketing strategies. Abbas describes the processes for account opening, clearing transactions, and different types of remittances during his internship.
This internship report summarizes Abdurrahim Iftekhar's two month internship at Habib Metropolitan Bank in the Human Resources department. It provides an overview of the bank and the internship experience. Key activities included shortlisting resumes, conducting interviews, and assisting with hiring for various roles like Management Trainee Officers, Junior Officers, Officer Branch Operations, and Experienced Tellers. The report describes the hiring criteria and process for each role. It aims to document the learning experience and contributions made during the internship period.
This document provides an overview and summary of Sardar Waqar Hassan's job report on their internship at the United Bank Limited (UBL) branch in Fatehjang. The report includes:
1) An introduction to UBL, outlining its 57-year history starting in 1959 and its growth nationally and internationally.
2) Details of the departments and operations at the Fatehjang branch where the internship took place, including account opening, clearing services, remittances, and cash services.
3) An analysis of UBL's organizational structure, products, strengths, weaknesses, and recommendations for improving customer service based on the internship experience.
National Bank of Pakistan was established in 1949 to cope with economic crisis after trade issues with India. It commenced operations financing the jute trade and crop. Today it has over 1,450 branches across Pakistan and 21 international branches. As the largest bank in Pakistan, it plays a vital role in developing the agriculture sector and financing trade, while also handling treasury transactions for the government.
Mudasra Amjad completed an internship at the United Bank Limited (UBL) Fride Gate branch and submitted an internship report. The report provides an introduction to UBL, including its establishment in 1959 as one of Pakistan's major commercial banks. It describes UBL's vision, mission, objectives, organizational structure, departments, products and services. The report also includes a financial analysis of UBL using ratios, a SWOT analysis, recommendations, and a conclusion on Mudasra's learning experience during the internship.
Internship report on MCB Limited by Labeeda FaridLabeeda Farid
This internship report summarizes the internship experience of Labeeda Farid at MCB Bank Limited, focusing on the human resource department. MCB Bank is one of the largest and oldest banks in Pakistan, established in 1947. The report provides an overview of MCB Bank, including its vision, history, organizational structure, products and services. It also describes the key departments Labeeda Farid worked in, including customer dealing and operations, and the tasks she completed during her six-week internship.
This document provides a 3 page internship report summary for an internship at Habib Bank Limited (HBL) in Pakistan. The summary discusses the executive summary of the internship experience, acknowledges those who helped with the report, and provides an introduction to banking evolutions and the structure of Pakistan's financial sector. HBL is introduced as the largest private sector bank in Pakistan, with over 1,500 branches. The report discusses HBL's background, privatization in 2004, mission, vision, administration, and departments including account opening, cash, clearing, and transfers.
United Bank Limited (UBL) is one of Pakistan's largest banks. This report provides an overview of UBL based on the author's six-week internship at a UBL branch. It discusses UBL's history dating back to its founding in 1959, nationalization in the 1970s, and privatization in 2002. The report also outlines UBL's organizational structure, products and services offered, financial performance, and recommendations.
The document is an internship report submitted by Mazhar Abbas to Zainb Akram, detailing Abbas' 6-week internship at MCB Bank Limited in Multan, Pakistan. The report provides an executive summary of Abbas' tasks in the bank's remittance department, filling forms for transactions like pay orders, online transfers, and demand drafts. It also includes background information on MCB Bank, its vision, organizational structure, products and services, SWOT analysis, and marketing strategies. Abbas describes the processes for account opening, clearing transactions, and different types of remittances during his internship.
This internship report summarizes Abdurrahim Iftekhar's two month internship at Habib Metropolitan Bank in the Human Resources department. It provides an overview of the bank and the internship experience. Key activities included shortlisting resumes, conducting interviews, and assisting with hiring for various roles like Management Trainee Officers, Junior Officers, Officer Branch Operations, and Experienced Tellers. The report describes the hiring criteria and process for each role. It aims to document the learning experience and contributions made during the internship period.
This document provides an overview and summary of Sardar Waqar Hassan's job report on their internship at the United Bank Limited (UBL) branch in Fatehjang. The report includes:
1) An introduction to UBL, outlining its 57-year history starting in 1959 and its growth nationally and internationally.
2) Details of the departments and operations at the Fatehjang branch where the internship took place, including account opening, clearing services, remittances, and cash services.
3) An analysis of UBL's organizational structure, products, strengths, weaknesses, and recommendations for improving customer service based on the internship experience.
National Bank of Pakistan was established in 1949 to cope with economic crisis after trade issues with India. It commenced operations financing the jute trade and crop. Today it has over 1,450 branches across Pakistan and 21 international branches. As the largest bank in Pakistan, it plays a vital role in developing the agriculture sector and financing trade, while also handling treasury transactions for the government.
This document provides an overview of Gohar Nouroze's internship report submitted for their B.S in Applied Accounting from the University of Central Punjab. The internship was completed at MCB Bank Ltd over six weeks.
The report includes an organizational background of MCB Bank, their mission and vision statements, awards received, core values, objectives, management structure including the board of directors and organizational hierarchy. It also describes the bank's products, policies, risk management approaches, financial analysis, SWOT analysis and conclusions. The document aims to provide knowledge about MCB Bank's operations obtained during the internship.
MCB Bank Limited is one of Pakistan's largest banks. It was founded in 1947 and privatized in 1991. Today it has over 1,173 branches across Pakistan and overseas. The document provides an overview of MCB's history, leadership, financial performance, products and services which include deposits, loans, credit cards, investments and more.
The document is an internship report submitted by Umair Khan to the Human Resource department of Albaraka Bank (Pakistan) Limited. It summarizes Umair Khan's 2-month internship experience in the HR department. The report provides an overview of the bank, describes the functions and operations of the HR department, and discusses the employee recruitment and selection process. It concludes that ABPL utilizes modern HR practices to attract and retain talented employees, which has helped the bank achieve success over many years. The internship provided valuable insights into HR management concepts such as recruiting, training, and performance assessment.
Internship report on js bank by labeeda faridLabeeda Farid
I am student of MBA 1.5 Regular in University of Sargodha session 2014-2016.I have done my internship in JS Bank Rabwah Branch in 2015. This is my internship report on JS Bank as required by the University of Sargodha and JS Bank.
Islami Bank Bangladesh Limited is the largest private sector bank in Bangladesh with 332 branches. It was established in 1983 as the first Islamic bank in Southeast Asia. The bank has over 16 billion taka in paid-up capital with over 33,000 shareholders. Its mission is to establish an Islamic banking system focused on equity, justice, and balanced growth.
United bank-ltd-ubl-internship-report1471589354kasmshahab
The document provides information about VUSTUDENTS.NET, an online community formed to help Virtual University of Pakistan students overcome disadvantages of distance learning. It offers solutions to assignments, quizzes, past papers, e-books, and chat rooms. Members can access materials, while non-members are encouraged to sign up for access. The community aims to facilitate discussion of subjects and university issues to support learning.
The document provides an acknowledgement for the completion of a report. It thanks various individuals who provided cooperation and assistance at different stages of the report, including the supervisor Mr. Asad Shahjan for helping with selecting a topic during a time of confusion. It also thanks staff members of Bank Islami Branch Mansehra for providing guidance and valuable information, especially the operational manager Mr. Shafqat Hussain. Finally, it expresses gratitude to Allah for giving the strength to fulfill the task efficiently.
This document provides an overview and summary of the internship report completed by Muhammad Umar at the National Bank of Pakistan, Main Branch in Islamabad. It begins by acknowledging those who helped with completing the report. The report explains the challenges faced in gathering data as an intern at NBP due to the bank's high workloads. It summarizes the purpose of the internship program and methodology used in the report. The report then provides high-level summaries of the chapters which analyze NBP's company background, board of directors, departments, services, SWOT analysis and competitive analysis.
The document provides an internship report on Habib Bank Limited (HBL). It includes an acknowledgement, table of contents, executive summary, and sections on the history of banking in Pakistan and HBL. The executive summary highlights that HBL was the first commercial bank established in Pakistan in 1947 and has grown to over 1,450 branches. It also discusses HBL's mission, vision, values, board of directors, management structure, operations, products/services, and the intern's learnings. SWOT analysis identifies HBL's strengths as its long history, large size and branch network, and high level of public trust in Pakistan.
Presentation given by Mohsin H. Alqamari, Farzan Nazeer, Syed Ahmed Owais on Habib Bank (HBL) to Miss.Tayyaba Hussani in the course "Human Resource Management" at Hamdard University City Campus (HIMS).
References:
Human Resource Management, 7 th edition, David A Decenzo, Stephen P Robbins.
Human Resource In charge - RHQ Karachi Region North, Mr. Mumtaz Ali Zaidi.
The 3-sentence summary is:
Askari Bank is a leading Islamic bank in Pakistan that provides various banking products and services through its network of 36 branches. The bank has seen significant growth in deposits, advances, and assets over the past five years. It offers a range of personal and corporate banking services including various deposit accounts, loans, trade financing, remittances, and international banking services to meet the needs of individual and business customers.
This document provides an overview of the planning and leading practices at United Bank Limited's (UBL) IT department. It discusses UBL's history and operations. The IT department uses centralization in data management and decision making. Managers motivate employees through positive thinking and annual feedback. The department hires skilled workers and uses job rotation. Planning includes upgrading servers, training employees, and contingency planning. A SWOT analysis identifies strengths like a large branch network, and weaknesses like high administrative costs. Recommendations include decentralization, modern technology, and reducing expenses.
INTERNSHIP REPORT ON MUSLIM COMMERCIAL BANK.
Submitted in partial requirement for the degree of Bachelor of Business Administration Department of Management Sciences
Faculty of Commerce, Economics & Management Sciences
ISRA UNIVERSITY, Hyderabad Spring 2017
MCB Bank was established in 1947 and was the first bank to be privatized in 1991. It aims to be the leading financial services provider and has a team of committed professionals providing innovative solutions. The organizational chart shows the board of directors at the top with various departments reporting up. The internal auditor ensures proper internal controls, supervises capital expenditures, and implements the yearly audit plan. A SWOT analysis identifies strengths such as its long history and being the first privatized bank, while weaknesses include a limited international branch network and lack of managerial training for some employees.
An Internship Report On Investment Management Analysis of Al-Arafah Islami Ba...Mahfuz Hasan
An Internship Report On
Investment Management Analysis of Al-Arafah Islami Bank Ltd.
Executive Summary
The first chapter shows different aspects of the report like a brief introduction, origin
of the report, statement of the Issue, objectives, significance, methodology &
limitations of the study. Second chapter shows a brief company overview. In this
section different important data about Al-Arafah Islami Bank Limited is provided.
Background, vision, mission, commitments, special features, product line,
organogram of AIBL and some other necessary company related information is
provided in this chapter.
The third chapter is about literature review. In this chapter I described the investment
management policy, department, objectives, strategies, importance, under Islami
Sharia.
The fourth chapter is the most important chapter of this report. Chapter 4 describes
investment management Analysis & performance of AIBL showed current investment
position of the bank and some previous records. I also described Sharia concept about
investment of the bank. There is a detailed description about their investment products
so that their managing strategy could be understood more clearly.
Finally, in the last chapter I stated some recommendations for the
improvement of the bank and then the conclusion has been made.
The document provides background information on the history and establishment of National Bank of Pakistan (NBP). Some key points:
- NBP was established in 1949 through an ordinance due to a crisis in Pakistan's jute trade and devaluation of the Indian rupee. It started with 6 branches focused on financing the jute crop.
- Over time, NBP expanded its branch network and operations beyond jute to other commodities and services. By 1962 it had grown to 239 branches serving over 1 billion rupees in deposits.
- NBP originally acted as an agent for the State Bank of Pakistan and took on the government's treasury operations where SBP did not have its own branches. It continues
Bank Alfalah Limited is a private bank in Pakistan established in 1997. It has over 650 branches across Pakistan and international presences in Afghanistan, Bangladesh, and Bahrain. The internship report provides an overview of the bank's history, vision, mission, products and services. It describes the intern's experience working in the account opening, remittance, clearing, and cash departments at the Eid Gah road branch. The report discusses what was learned during the internship and how classroom learning was applied. Recommendations are provided to improve branch operations.
Internship report on_meezan_bank_ltd. actual 2014Ali Shah
The document provides a 3-page internship report on Meezan Bank Limited. It includes sections on the history of banking, Islamic banking, and Meezan Bank. It discusses Meezan Bank's mission, products/services, departments, and SWOT analysis. The report aims to provide a brief study of Meezan Bank's operations, functions, and Islamic banking products and services.
The document provides information about the Islamic Development Bank (IDB). It details that the IDB was established in 1974 in Jeddah, Saudi Arabia by 57 member countries to promote social and economic development in Muslim communities. The IDB aims to alleviate poverty and promote human development, science/technology, Islamic economics and cooperation among member countries. It has a Board of Governors as its highest authority and a Board of Executive Directors that directs operations. The IDB is funded through sources like the Islamic Solidarity Fund for Development and its Waqf Fund.
The document describes the internship experience of Aqsa Nawab at the Bank Alfalah Islamic branch in Multan Road, Lahore. It provides details of the internship duration and training received in various bank departments like services, accounts opening, scanning, and cash. The document also gives an overview of Bank Alfalah's organizational structure and the functions of different departments at the branch where the internship was completed.
This document is a report submitted by Maryam Shabbir to the Institute of Management Sciences in partial fulfillment of the requirements for a Master's degree in Business Administration. It provides an overview of Maryam's 6-week internship at the United Bank Limited Bosan Road branch in Multan, Pakistan. The report includes details about UBL's history, organizational structure, products and services, and learning experiences in various bank departments. It also contains financial analysis of UBL including ratio analysis and SWOT analysis, along with recommendations.
This document provides an overview of Gohar Nouroze's internship report submitted for their B.S in Applied Accounting from the University of Central Punjab. The internship was completed at MCB Bank Ltd over six weeks.
The report includes an organizational background of MCB Bank, their mission and vision statements, awards received, core values, objectives, management structure including the board of directors and organizational hierarchy. It also describes the bank's products, policies, risk management approaches, financial analysis, SWOT analysis and conclusions. The document aims to provide knowledge about MCB Bank's operations obtained during the internship.
MCB Bank Limited is one of Pakistan's largest banks. It was founded in 1947 and privatized in 1991. Today it has over 1,173 branches across Pakistan and overseas. The document provides an overview of MCB's history, leadership, financial performance, products and services which include deposits, loans, credit cards, investments and more.
The document is an internship report submitted by Umair Khan to the Human Resource department of Albaraka Bank (Pakistan) Limited. It summarizes Umair Khan's 2-month internship experience in the HR department. The report provides an overview of the bank, describes the functions and operations of the HR department, and discusses the employee recruitment and selection process. It concludes that ABPL utilizes modern HR practices to attract and retain talented employees, which has helped the bank achieve success over many years. The internship provided valuable insights into HR management concepts such as recruiting, training, and performance assessment.
Internship report on js bank by labeeda faridLabeeda Farid
I am student of MBA 1.5 Regular in University of Sargodha session 2014-2016.I have done my internship in JS Bank Rabwah Branch in 2015. This is my internship report on JS Bank as required by the University of Sargodha and JS Bank.
Islami Bank Bangladesh Limited is the largest private sector bank in Bangladesh with 332 branches. It was established in 1983 as the first Islamic bank in Southeast Asia. The bank has over 16 billion taka in paid-up capital with over 33,000 shareholders. Its mission is to establish an Islamic banking system focused on equity, justice, and balanced growth.
United bank-ltd-ubl-internship-report1471589354kasmshahab
The document provides information about VUSTUDENTS.NET, an online community formed to help Virtual University of Pakistan students overcome disadvantages of distance learning. It offers solutions to assignments, quizzes, past papers, e-books, and chat rooms. Members can access materials, while non-members are encouraged to sign up for access. The community aims to facilitate discussion of subjects and university issues to support learning.
The document provides an acknowledgement for the completion of a report. It thanks various individuals who provided cooperation and assistance at different stages of the report, including the supervisor Mr. Asad Shahjan for helping with selecting a topic during a time of confusion. It also thanks staff members of Bank Islami Branch Mansehra for providing guidance and valuable information, especially the operational manager Mr. Shafqat Hussain. Finally, it expresses gratitude to Allah for giving the strength to fulfill the task efficiently.
This document provides an overview and summary of the internship report completed by Muhammad Umar at the National Bank of Pakistan, Main Branch in Islamabad. It begins by acknowledging those who helped with completing the report. The report explains the challenges faced in gathering data as an intern at NBP due to the bank's high workloads. It summarizes the purpose of the internship program and methodology used in the report. The report then provides high-level summaries of the chapters which analyze NBP's company background, board of directors, departments, services, SWOT analysis and competitive analysis.
The document provides an internship report on Habib Bank Limited (HBL). It includes an acknowledgement, table of contents, executive summary, and sections on the history of banking in Pakistan and HBL. The executive summary highlights that HBL was the first commercial bank established in Pakistan in 1947 and has grown to over 1,450 branches. It also discusses HBL's mission, vision, values, board of directors, management structure, operations, products/services, and the intern's learnings. SWOT analysis identifies HBL's strengths as its long history, large size and branch network, and high level of public trust in Pakistan.
Presentation given by Mohsin H. Alqamari, Farzan Nazeer, Syed Ahmed Owais on Habib Bank (HBL) to Miss.Tayyaba Hussani in the course "Human Resource Management" at Hamdard University City Campus (HIMS).
References:
Human Resource Management, 7 th edition, David A Decenzo, Stephen P Robbins.
Human Resource In charge - RHQ Karachi Region North, Mr. Mumtaz Ali Zaidi.
The 3-sentence summary is:
Askari Bank is a leading Islamic bank in Pakistan that provides various banking products and services through its network of 36 branches. The bank has seen significant growth in deposits, advances, and assets over the past five years. It offers a range of personal and corporate banking services including various deposit accounts, loans, trade financing, remittances, and international banking services to meet the needs of individual and business customers.
This document provides an overview of the planning and leading practices at United Bank Limited's (UBL) IT department. It discusses UBL's history and operations. The IT department uses centralization in data management and decision making. Managers motivate employees through positive thinking and annual feedback. The department hires skilled workers and uses job rotation. Planning includes upgrading servers, training employees, and contingency planning. A SWOT analysis identifies strengths like a large branch network, and weaknesses like high administrative costs. Recommendations include decentralization, modern technology, and reducing expenses.
INTERNSHIP REPORT ON MUSLIM COMMERCIAL BANK.
Submitted in partial requirement for the degree of Bachelor of Business Administration Department of Management Sciences
Faculty of Commerce, Economics & Management Sciences
ISRA UNIVERSITY, Hyderabad Spring 2017
MCB Bank was established in 1947 and was the first bank to be privatized in 1991. It aims to be the leading financial services provider and has a team of committed professionals providing innovative solutions. The organizational chart shows the board of directors at the top with various departments reporting up. The internal auditor ensures proper internal controls, supervises capital expenditures, and implements the yearly audit plan. A SWOT analysis identifies strengths such as its long history and being the first privatized bank, while weaknesses include a limited international branch network and lack of managerial training for some employees.
An Internship Report On Investment Management Analysis of Al-Arafah Islami Ba...Mahfuz Hasan
An Internship Report On
Investment Management Analysis of Al-Arafah Islami Bank Ltd.
Executive Summary
The first chapter shows different aspects of the report like a brief introduction, origin
of the report, statement of the Issue, objectives, significance, methodology &
limitations of the study. Second chapter shows a brief company overview. In this
section different important data about Al-Arafah Islami Bank Limited is provided.
Background, vision, mission, commitments, special features, product line,
organogram of AIBL and some other necessary company related information is
provided in this chapter.
The third chapter is about literature review. In this chapter I described the investment
management policy, department, objectives, strategies, importance, under Islami
Sharia.
The fourth chapter is the most important chapter of this report. Chapter 4 describes
investment management Analysis & performance of AIBL showed current investment
position of the bank and some previous records. I also described Sharia concept about
investment of the bank. There is a detailed description about their investment products
so that their managing strategy could be understood more clearly.
Finally, in the last chapter I stated some recommendations for the
improvement of the bank and then the conclusion has been made.
The document provides background information on the history and establishment of National Bank of Pakistan (NBP). Some key points:
- NBP was established in 1949 through an ordinance due to a crisis in Pakistan's jute trade and devaluation of the Indian rupee. It started with 6 branches focused on financing the jute crop.
- Over time, NBP expanded its branch network and operations beyond jute to other commodities and services. By 1962 it had grown to 239 branches serving over 1 billion rupees in deposits.
- NBP originally acted as an agent for the State Bank of Pakistan and took on the government's treasury operations where SBP did not have its own branches. It continues
Bank Alfalah Limited is a private bank in Pakistan established in 1997. It has over 650 branches across Pakistan and international presences in Afghanistan, Bangladesh, and Bahrain. The internship report provides an overview of the bank's history, vision, mission, products and services. It describes the intern's experience working in the account opening, remittance, clearing, and cash departments at the Eid Gah road branch. The report discusses what was learned during the internship and how classroom learning was applied. Recommendations are provided to improve branch operations.
Internship report on_meezan_bank_ltd. actual 2014Ali Shah
The document provides a 3-page internship report on Meezan Bank Limited. It includes sections on the history of banking, Islamic banking, and Meezan Bank. It discusses Meezan Bank's mission, products/services, departments, and SWOT analysis. The report aims to provide a brief study of Meezan Bank's operations, functions, and Islamic banking products and services.
The document provides information about the Islamic Development Bank (IDB). It details that the IDB was established in 1974 in Jeddah, Saudi Arabia by 57 member countries to promote social and economic development in Muslim communities. The IDB aims to alleviate poverty and promote human development, science/technology, Islamic economics and cooperation among member countries. It has a Board of Governors as its highest authority and a Board of Executive Directors that directs operations. The IDB is funded through sources like the Islamic Solidarity Fund for Development and its Waqf Fund.
The document describes the internship experience of Aqsa Nawab at the Bank Alfalah Islamic branch in Multan Road, Lahore. It provides details of the internship duration and training received in various bank departments like services, accounts opening, scanning, and cash. The document also gives an overview of Bank Alfalah's organizational structure and the functions of different departments at the branch where the internship was completed.
This document is a report submitted by Maryam Shabbir to the Institute of Management Sciences in partial fulfillment of the requirements for a Master's degree in Business Administration. It provides an overview of Maryam's 6-week internship at the United Bank Limited Bosan Road branch in Multan, Pakistan. The report includes details about UBL's history, organizational structure, products and services, and learning experiences in various bank departments. It also contains financial analysis of UBL including ratio analysis and SWOT analysis, along with recommendations.
The document provides an overview of MCB Bank including its history, objectives, core values, management, products, clients and competitors. MCB was established in 1947 and was later nationalized and privatized, and it now has over 1,190 branches in Pakistan and abroad offering various banking services and products to retail and corporate customers. The management profiles and organizational structure are also outlined.
internship report of Meezan Bank Hasilpur.Muhammad Waqas
This document discusses the internship report of Muhammad Waqas at Meezan Bank Limited's Baldiya Road branch in Hasilpur, Bahawalpur. It provides an overview of Meezan Bank, including its vision to establish Islamic banking as the preferred system and its mission to offer innovative Shariah-compliant products and services. The report also describes the bank's general banking, credit, and Islamic financing departments and the products and services they offer. It concludes by acknowledging those who helped and supported Muhammad Waqas in completing his internship and report.
This document provides information about Meezan Bank and its operations. It includes:
1) An introduction and background on Meezan Bank along with contact details for its branch staff members.
2) Details on Meezan Bank's vision, mission, values, and financial highlights including growth rates in deposits, assets, and profits.
3) Information on Meezan Bank's board of directors, Shariah supervisory board, credit ratings, and branch network across Pakistan.
4) Descriptions of some of Meezan Bank's main Islamic banking products and accounts.
The document is a summer training report submitted by Kumari Alka to Aviva Life Insurance Company in India. It provides an overview of Aviva, including that it is a joint venture between UK-based Aviva plc and Dabur Group of India. It details Aviva's products, partnerships with banks for distribution, management team, and awards. It also provides information on life insurance in general, defining it, discussing why insurance is important, who can buy policies, and how policies are useful for financial planning and protecting families.
This document is a 34 page assignment on money banking and finance submitted to Mr. Riaz Ahmed Mian by three students at Hailey College of Banking & Finance, University of the Punjab in Lahore. The assignment contains an acknowledgement, declaration, table of contents, and sections on Samba Bank's mission, vision, history in Saudi Arabia and internationally, products and services, and analyses of Samba Bank Pakistan.
The document provides information about Habib Metropolitan Bank Ltd, including its subsidiaries, ratings, Islamic banking division, history in Pakistan and Sialkot, branch network including locations in Sialkot, board of directors, hierarchy, consumer banking facilities like savings accounts, current accounts, and account opening procedures. It also discusses corporate banking and internal controls.
Summer training report on Operational risk management at State bank of bikane...jigyasa soni
The document is a summer training report submitted by Jigyasa Soni for their MBA program. It discusses operational risk management at State Bank of Bikaner & Jaipur Bank.
The objectives are to highlight operational risks in banking, examine SBBJ Bank's operational risk management efficiency, understand RBI guidelines for banks, and evaluate if banks follow these guidelines. It acknowledges the bank's management committee and offers an overview of the bank's products and services in personal banking, NRI services, international banking, corporate banking, agriculture, SMEs, and others.
This document is a project report submitted by a student, Lokesh Satish Chhajed, on Axis Bank. It includes the title page, certificates of submission and guidance, acknowledgements, declaration, table of contents, and an introduction to Axis Bank. The introduction provides background on Axis Bank, including that it is the third largest private sector bank in India, was incorporated in 1993 as UTI Bank Ltd., and has its headquarters in Mumbai.
This document discusses the planning and organizing of United Commercial Bank (UCB) in Bangladesh. It begins with an introduction to UCB, providing its mission, vision, and core values. It then discusses the bank's departments and operational hierarchy. The focus then shifts to Banasree Branch of UCB, discussing its planning processes including work specialization, chain of command, and span of control. It also covers the branch's organizing aspects such as centralization, formalization, and use of communication technologies. In conclusion, the document analyzes UCB's human resource activities and overall performance.
The document is an internship report submitted by Mayank Mulchandani to Medi-Caps University for their MBA program. It details their 8 week internship at State Bank of India in the Credit Division. It includes sections on the company profile of SBI, describing it as a major public sector bank in India. It provides information on SBI's history dating back to 1806, its current position and services offered which include personal, rural, SME and corporate banking. The report was prepared under the supervision of Mr. Prakash Kumar Shukla, Branch Head of SBI's MG Road branch.
This document is an internship report submitted by Muhammad Yasir to KASBIT University in 2013. It provides an overview of Yasir's internship at MCB Bank, including a brief history of MCB Bank highlighting its development, nationalization, and privatization phases. The report also describes MCB Bank's mission, core values, key operations like general banking, clearing, remittance, accounts, and cash departments. It provides details of the processes carried out in these departments.
For the past three decades India’s banking system has several outstanding achievements to its credit. The most striking is its extensive reach. It is no longer confined to only metropolitans or cosmopolitans in India. In fact, Indian banking system has reached even to the remote corners of the country. This is one of the main reasons of India’s growth process.
This document is a project report comparing ULIPs (Unit Linked Insurance Plans) and mutual funds as investment options. It includes an introduction, acknowledgements, abstract, and various sections like introduction to the HSBC group and its companies in India. The report was submitted as part of an MBA course requirement and involved collecting data through a questionnaire from 100 customers to analyze and determine which investment option is more suitable for investors.
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Internship Report on United Bank Limited (UBL)
1. HAILEY COLLEGE OF BANKING & FINANCE, UNIVERSITY OF THE PUNJAB. Page 1
Subject:
Banking & Finance
Topic:
United Bank Limited
Submitted to;
Prof. Riaz Ahmad Mian
Submitted by:
M. Abdul Ghafar M14MBA 005
M. Azeem Shahzad M14MBA 037
Asad Mahmood M14MBA 046
2. HAILEY COLLEGE OF BANKING & FINANCE, UNIVERSITY OF THE PUNJAB. Page 2
MBA Banking & Finance (Morning) 1st
Semester
Session: 2014-18
3. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 3 of 65
4. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 4 of 65
UNITED BANK LIMITED
5. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 5 of 65
Table of Contents
1. Overview of UBL;
a) UBL Message
b) History
c) Vision
d) Mission
e) Board of Directors
f) Code of Conduct
g) Addresses and other Information
2. Organizational Structure:
3. UBL Products (Banking)
(1) Consumer Loans
(a) UBL Home Loan Facility
(b) UBL Drive ( Auto Loan)
(c) UBL Silah Milah
(2) Card Products
(a) UBL Wiz
(b) UBL MEGA Wallet
(c) UBL Credit Card
(3) Deposit Products
(a) UBL Business Partner
(b) Business Partner Plus
(c) UBL Rupee Transitional Account
(d) UBL Uniflex
(e) UBL Unisaver
(f) UBL Profit Certificate of Deposit (COD)
(g) UBL UniZar Foreign Currency
(h) UBL FCY UniFlex
(i) UBL Regular Deposit Receipts
(j) UBL Special Notice Deposit Receipts
6. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 6 of 65
(k) UBL Basic Banking Account
(l) UBL First Minor Saving Account
(4) Priority Banking
(5) Retail Asset Products
(a) Agricultural Loans
(b) Small Loans
(6) Corporate Banking
(a) Services
Funded
Non-Funded
(b) Relationship Banking
(c) Customer Services
(d) Product Range
Corporate Finance
Finance / Credit Extension
Trade
Investment / Cash Management
(e) Deal Credentials
(7) Investment Banking
(a) Debit & Capital Markets
(b) Project & Structured Finance
(c) Equity & Advisory
(8) Treasury & Capital Market
(a) Foreign Exchange Desk
(b) Money Market Desk
(c) Derivative Desk
(d) Liquidity Desk
(e) Capital market Desk
(f) Corporate & Institutional Desk
(g) Foreign Exchange Sales
(h) Fixed Income Sale
(9) Omni Branchless Banking
(10) UBL Net-Banking
(11) UBOnline
(12) UBL Ameen (Islamic Banking)
7. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 7 of 65
(13) UBL Go Green products
(14) International Bank Account
(15)
4. NRP Services
(1) UBL Click N Bank
(2) UBL Click N Remit
(3) UBL Tezraftaar
(4) UBL Tezraftaar Account Services
(5) UBL Tezraftaar Pardes Card
(6) NRP Direct
(7) Global Remittance Partners
5. SWOT Analysis
6. PEST Analysis
7. Financial Analysis
8. Conclusion
8. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 8 of 65
ACKNOWLEDGEMENT
No Doubt, Allah is the main source of knowledge and
wisdom. He is omnipotent as well as omniscient. This is
very famous saying of the Holy Prophet (PBUH) that I’m
the city of knowledge and Hazrat Ali (R.A) is the door of
this city. It is a great blessing of Allah, that He enabled
us because of Holy Prophet (PBUH) that we are
presenting our humble contribution for the distribution
of knowledge.
We are very thankful to our respected teacher Prof. Riaz
Ahmad Mian, who gave us the opportunity to study
about the United Bank Limited.
Thank you!
M. Abdul Ghafar
M. Azeem Shehzad
Asad Mahmood
9. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 9 of 65
United Bank Limited
UBL message
At UNITED BANK LIMITED, UBL value their people as their greatest
asset. This philosophy is on the basis of their focus, Commitment
and Long-term Investment in the people that form this great
institution
UBL believes in hiring bright, talented, highly motivated and
driven individuals across their business and geographies. Their
selection process, by necessity, is challenging and one that
ensures that their standards for excellence are maintained. The
diversity and performance of their business provide a wide
spectrum of exciting career opportunities for right individuals.
Their leading market position and their ambitious vision for the
future ensures their long-term commitment to provide the
highest quality training and work-place practices for all their
employees.
Their vibrant and competitive culture will bring out the best in
you; their performance driven reward mechanism will derive the
employees to perform beyond their estimation.
10. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 10 of 65
We look for the bright future – and the best among you have a
unique opportunity to be a part of it.
11. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 11 of 65
UNITED BANK LIMITED
About UBL:
United Bank Limited is one of the largest commercial banks in Pakistan
having more than 1,320 online branches inside the country. Its 17 branches
outside the country are in the United States of America, UAE, Bahrain, Qatar
and Republic of Yemen. Its ha also representative offices in Tehran, Iran,
Beijing, China, and Almaty, Kazakhstan. It owns subsidiaries in the UK (United
National Bank Limited), and in Zurich, Switzerland.
History of UBL:
United Bank Limited was incorporatedin Pakistan on 7th
November 1959.
Agha Hassan Abedi was the founder of the bank. By June 1960, soon after the
incorporation the Bank had branches in:
12. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 12 of 65
Karachi
Lahore
Faisalabad (Layallpur)
Dacca
Chittagongand Narayanganj.
In 1960 UBL became the first bank in Pakistan to have an overseas branch
(William Street in London) United Kingdom.
Saving Schemes:
The first saving scheme for school going children was launched as early as
1960 or the formation of Pakistan’s first Staff College of employees in 1964.In
1967 UBL had hit dawn on information in terms of technology, by introducing
computer banking to Pakistan.
Supervised Credit:
UBL also launched supervised credit and small loan schemes for small to
medium size firms as well as agriculture and had made for itself a strong
international presence for it had branches in 4 Continents.
Nationalization:
In 1971 the Government of Pakistan nationalized the bank. In 2002, the
Government of Pakistan sold it in an auction to a consortium of Abu Dhabi
Group and Best-way.
Merger:
In 2002, the bank merged its operation in the United Kingdom with those
belonging to National Bank of Pakistan to form United National Bank Limited.
United Bank owns 55% of the joint-venture and National Bank of Pakistan
owing the reminder.
13. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 13 of 65
Vision:
“To be a worldclass bank dedicated to
Excellence, and to surpass the highest
Expectations of our customers and all other stakeholders”
Mission:
“Our mission is to serve customer’s social, commercial,
corporate needs and ensure their full satisfaction through
product innovation, personalized banking and top services”
Board of Directors
Sir Mohammad Anwar Pervez.
Chairperson:
Sir Mohammad Anwar Pervez is the chairman of the board of Directors
of United Bank Limited since December 2013. He is also the chairman of
Best-way Group UK and its subsidiaries.
14. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 14 of 65
Sir Anwar began his career in food business in 1963 when he opened a
mini supermarketin London. He ventured into the wholesale business in
1976 and has been responsible for growing Best-way Group into the
seventh largest family business in the UK.
Mr. Zameer Mohammad Choudery
Director
Mr. Zameer Mohammad Choudery has been a Member of the Board of
Directors of United Bank Limited since October 19, 2002. He is Chairman
of the Board Audit Committee. He is also a Director of UBL Insurers
Limited.
He is Chief Executive of Best-way Group which is the 7th
largest family
business in UK. Mr. Zameer is a Chartered Accountant by profession.
Mr. Haider Zameer Choudery
Director
Haider Zameer Choudery becomes the director of United Bank Limited in
March 2014. He has the distinction of being the youngest director of
any listed bank in Pakistan. Haider is a Charted Accountant by
profession.
Between October 2009 and October 2012 Haider undertook his
Accountancy training at KMPG, UK LLP.
Mr. Rizwan Pervez
Director
Mr. Rizwan Graduated from the University of Pittsburgh, USA in 1990
with a BSc in business management.
15. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 15 of 65
He then trained with a leading UK firm Charted Accountants and
qualified in August 1995. Rizwan is a member of Institute of Charted
Accountants in England & Wales.
He joined Bestway as a financial accountant in 1995 and was elected to
the Board of Directors in January2000 as a Group Business Development
Director.
Mr. Amin Uddin
Director
Mr. Amin Uddin was appointed Member, Board of Directors of United
Bank Limited with effect from March 5, 2009. He is member of Board
Audit Committee of UBL.
He has over 40 years of banking experience in Pakistan, Middle East,
Europe, Africa and Canada.
Mr. Arshad Ahmad Mir
Director
Mr. Arshad Ahmad Mir, appointed as member of Board of Directors with
effect from 26 October 2009, has over four decades of extensive
corporate experience in financial services, oil industry, management
consultancy, manufacturing and wholesale distribution businesses.
Arshad Mir is a member of Institute of Chartered Accountants and
Institute of Bankers UK.
Zaheer Sajjad
Director
Mr. Zaheer Sajjad was appointed as a Director of the United Bank
Limited in MARCH 2014. He is also a member of the Human Resource
Compensation Committee of the UBL.
16. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 16 of 65
Mr. Khalid Ahmed Sherwani
Director
Wajahat Husain
President & CEO
Mr Wajahat Husain, the newly appointed President and CEO of UBL.
He is a director in the Bank’s International Subsidiaries and Associate
Company; UBL (Switzerland) AG, United Bank UK, UBL Bank (Tanzania)
Ltd and a member of the Committee of Shareholders Representative
Oman United Exchange Company LLC.
17. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 17 of 65
Organizational Structure
Chairperson
Deputy Chairperson
Officer Grade- I
Vice President
Executive VP
SEVP
Managing Director
Executive
Committee
Board of Directors
Non-
Clerical
Staff
Clerical
Staff
Officer
Grade- II
Officer
Grade- III
18. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 18 of 65
Company Information
Registered Office: Head Office:
State Life Building No.1, 13th Floor, UBL
Building,
I.I. Chundrigar Road, Jinnah Avenue, Blue Area
Karachi – 74000, Pakistan. Islamabad.
Company Registration # National Tax #
0001026 0801164-8
Contacts:
UAN : 111-825-111
Contact Center: 111-825-888
Website: www.ubldirect.com
Email : customer.services@ubl.com.pk
19. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 19 of 65
UNITED BANK LIMITED
UBL Products
Consumer Loans:
An amount of money lent to an individual for personal, family
and household purposes. Consumer loans are monitored by
Govt. regulatory agencies for their compliance with consumer’s
protection regulations.
(a) Home Loan Facility.
20. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 20 of 65
UBL address empowers you to become the proud owner of a home by
offering a variety of products and pricing options that are flexible yet
affordable. All products are amortized and range over a tenor of 3 to 20
years. This facility is provided for:
Buying a home
Building a home
Construction
Floating Rate
Eligibility Criteria:
Pakistani Resident
Minimum monthly salary Rs.50,000
23 to 65 Years of age
Pakistani resident
Businessman/ professional or salaried individual
Minimum loan size Rs.500,000
(b) UBL Drive (Auto Loan)
UBL Drive is a unique auto financing product offering features, options
and flexibilityunmatched by any other bank. Fixed and floating rates are
offered to the customers. Floating rate is linked with KIBOR.
New Car Financing:
UBL Drive allows you to drive your own car by making a down payment
of 20% and to top that with low monthly installments.
21. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 21 of 65
Pricing plan:
Tenure 1 to 2 years 3 to 4 years 5 years
Rate 20% - 21% 20.5% - 21.5% 21% - 22%
Used Car Financing:
With UBL used car financing you can buy your favorite used car (up to 5
years old) at affordable rates.
Pricing Plan:
Tenure 1 to 2 years 3 to 4 years 5 years
Rate 21% - 22% 21.5% - 22.5% 22% - 23%
(C) SILAH MILAH
Customers, who maintained good credit history with any Pakistani
bank on consumer products can qualify, based on a certain threshold of
credit bureau scores. These customers are being offered rate breaks and
rewards upon qualifying for UBL consumer products.
Rate Breaks
Product Existing rate Revised Silah
Milah rate
Discounts (for
first year only)
UBL credit card 39% 36% 3%
UBL credit card-
BTF(balance transfer
24% 21% 3%
22. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 22 of 65
facility
UBL Drive for existing
deposit relationship-
Standard Plan
1 year KIBOR
+ 4.5%
1 year KIBOR
+ 4%
0.5%
UBL Drive for existing
deposit relationship-
Used Car Financing
1 year KIBOR
+ 5.50%
1 years KIBOR
+ 5%
0.50%
UBL Drive for new to
bank customers –
Standard plan
1 year KIBOR
+ 5.50%
1 year KIBOR
+ 5%
0.50%
UBL Drive for new to
bank customers –
Used Car Financing
plan
1 year KIBOR
+ 6.50%
1 year KIBOR
+ 6%
0.60%
2. Card Products
(a) UBL Wiz
UBL wiz is Pakistan’s first VSIA Debit Card that provides security,
convenience and benefits of an ATM and Debit Card internationally and
locally.
Features and Benefits
Available to all CNIC holders
24x7 Contact Centre
UBL wiz- Your ATM Card
23. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 23 of 65
Online Shopping
Other Facilities
Mini statement payments
UBL e-statement facility
Balance enquiry
(b) UBL Mega Wallet
A revitalized and colorful design beckons you to a mega experience of
power and reward. Every time you use your card to withdraw cash or
conduct a transaction you will be rewarded with points that can be
redeemed for exciting gifts.
Features and Benefits
Available to all UBL account holders
Nine supplementary cards
24x7 Contact Center
UBL Mega Wallet your ATM
UBL Mega Wallet your Debit Card
Fund Transfer
Mega usage Mega reward
(c) UBL Credit Cards
We offer you a range of exciting and innovative cards that is
not only powered by the security of chip but also enable you to
personalize it any way you want. It includes following card:
UBL Credit Card
UBL Galleria
UBL PSO Auto Credit Card
UBL Platinum
24. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 24 of 65
UBL Credit Card
It is Pakistan’s first chip credit card that guarantees you both enjoyment
and high value. It assures you global acceptability in more than 22
million establishments worldwide in 130 countries and in more than
25,000 outlets in Pakistan.
Chip based credit card have globally proven to be the most secure way
of conducting credit card transactions. This unique high tech Chip
guarantees your financial security while conducting transactions on
credit cards, both within Pakistan and around the world.
UBL Galleria
Being different was never so easy. Now UBL Credit Card gives you the
flexibility to make a statement by letting you design your credit card in
almost any manner you want. Galleria, by UBL Card’s is Pakistan’s first
picture credit card that gives you freedom of choice and expression as
you can customize it with you favorite image and make your credit card
as unique as you.
UBL PSO Auto Card
With the introduction of UBL PSO Auto Credit Card, there is no limit to
what your credit can do.
25. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 25 of 65
Amongst its many exciting and unique features, your UBL PSO Credit
Card provides access to more than 22 million establishments worldwide
includingmore than 22,000 retail outlets including selected PSO stations
within Pakistan, and above 78,000 ATMs for cash withdrawal worldwide.
Rewards:
5% cash back is applicable if the PSO UBL Auto Credit is swiped at
PSO Service Stations only. (5% cash back will be subject to a
maximum of Rs.1250/- per customer per month.)
1% cash back is applicable if the PSO UBL Auto Credit Card is
swiped at other fuel stations. (1% cash back will be subject to a
maximum of Rs. 1,000/- per customer per month)
UBL Platinum
UBL Platinum card is designed to compliment your lifestyle with credit
limits befitting your stature, accompanied by the highest levels of
service, unmatched rewards and myriad benefits, a symbol of your past
success, your achievements and future ambitions.
Airmiles Reward Points:
While redeemingyour Airmiles Reward points for travelling and lodging
services, you have the following options.
Redeem the entire Airmiles rewardpoints earnedto
purchase air tickets.
Use your accumulatedAirmiles rewardpoints for part of
the purchase and pay the balance amount through your
UBL PlatinumCredit Card.
26. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 26 of 65
(3) UBL Deposit Products
Our deposit product offers an eclectic mix for all type of financial
requirements. Whether you are an individual interested in opening a
saving account, or a businessman wanting to maintain a foreign
account, or a small business with a requirementof a business account
to your daily transactions, our deposit products offer you the range
you require.
(a) UBL Business Partner
Unlimited Real Time Online Banking:
Access your account from over 1300 online branches in over
more than 400 cities all across Pakistan for unlimited online
transactions.
Instant Cash Deposits & Withdrawals
Country Wide Instant Funds Transfer
Issuance of Pay Order, Demand Draft & Telegraphic Transfer
Speedy clearing and collection of any non UBL cheque in any
Online UBL branch
Statement of AccountIssuance / Balance Inquiry/ Stop Payment
of Cheques
Convenience of 9:00 am - 5:30 pm Non-Stop Full Service Banking:
Convenience of 9:00 a.m. to 5:30 p.m Non Stop Banking from
Monday to Thursday, 9 a.m. to 1:00 p.m. & 2:30 p.m. to 6 p.m.
on Friday and 9 a.m. to 1:30 p.m. on Saturday (selected
branches only)
Rupee Deposits & Withdrawals (both cheque & cash)
Issuance of Pay Order, Demand Draft & Telegraphic Transfer
Locker Access
Utility Bills Payment
Consumer Loans / Credit Card Payment
27. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 27 of 65
Statement of Account Issuance & Balance Inquiry
Issuance of Rupee Traveler's Cheques
(b) UBL Business Partner Plus
The UBL Business Partner Plus is a unique product with multiple benefits.
It is a specializedcurrentaccount, which aims at providing the necessary
tool for individuals, traders, businessmen and commercial customers.
On maintaininga monthly average balance of Rs. 25,000 or more, avail a
host of free services including:
Unlimited number of cash withdrawal & deposit transactions
through any UBL branch
Unlimitednumber of online funds transfers transaction country
wide
Mega Wallet ATM Debit Card Issuance
Unlimited number of Cashier's Cheque
Issuance of cheque book
Cancellation of Cashier's Cheque
UBL Go-Green SMS Alert
Note: Minimum balance charges of Rs. 50/- will be charged monthly if
monthly average balance falls below Rs.25,000
.
(c) UBL Rupee Transactional Account
If you choose to keep a deposit in a secured savings account which
also gives an attractive rate of return, then UBL's PLS Savings Account
28. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 28 of 65
will serve all your financial needs. By keeping your deposits in UBL's
PLS Savings Account you can also avail the following services:
Special features:
No limitation on withdrawals
Share of profit is credited on half-yearlybasis
Profit is calculatedon monthly average balance
(d) UBL UniFlex
UBL has introduced a checking account ideal for rate conscious
individuals, traders, organizations, monthly savers and customers who
want transactional flexibility. You can now afford an amazing rate of
return, plus value added benefits only available from the UBL UniFlex PLS
Savings Account.
Remarkable rate of return
Convenience of a cheque book
Power of Wallet VISA ATM / Debit Card
Online Banking Facility
UniFlex Rates& Tenors:
Four rate tiers are offered to UniFlex customers:
Average balance of the month(Rs.) ProjectedRates January2015
0 - 10,000 6.5 %
10,001 – 100,000 6.5 %
100,001 – 500,000 6.5 %
500,001 – 1,000,000 6.5 %
1,000,001 – 10,000,000 6.75 %
Above Rs.10,000,0000 7.00 %
(e) UBL Unisaver
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Hailey College of Banking & Finance, University of the Punjab Lahore. Page 29 of 65
UBL UniSaver Account is an innovative way of serving your banking
needs. Be it trade, business or personal finance, the UBL Unisaver, allows
you maximum flexibility, yet gives you optimum returns.
Special Features:
Profit payment is on six monthly basis
Backed by the bank awarded AAA Credit Rating
Innovative and flexible checking account
Profit is calculated on monthly average balance
(f) UBL Profit Certificate of Deposit: (COD)
Now you can earn a higher income on your surplus cash by investing it
in Certificate of Deposit which helps you earn extra income with your
hard earned money, while providing absolute trust and security.
Two types of payment options
High and stable rate of return
Security
Wide choice in tenor of deposit 3month to 10 Years
Easy availability
Easy available financing
(g) UBL UniZar Foreign Currency Savings Account:
UBL UniZar Foreign Currency Savings Account is ideal for those
customers and individuals who wish to maintain a secure foreign
currency transactional account which also provides a return. It is
available in 5 leading currencies: US Dollar, British Pound, Euro, Saudi
Riyal and UAE Dirham.
Special Features:
30. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 30 of 65
Profit calculation is on the basis of minimum monthly
balance touched during a calendar month
Profit payout bi-annually
No cash handling charges (US Dollar, Euro, Pound Sterling,
UAE Dirham & SAR)
No restriction on minimum number of transactions.
Zakat is exempted
Minimum Deposit Required:
USD: 500
EURO: 400
AED: 2,000
GBP: 300
SAR: 2,000
(h) UBL UniZar Foreign Currency Current Account
UBL UniZar Foreign Currency Current Account is ideal for those
customers and individuals who wish to maintain a secure foreign
currencytransactional account. It is available in 5 leading currencies: US
Dollar, British Pound, Euro, Saudi Riyal and UAE Dirham.
Special Features:
No cash handling charges (US Dollar, Euro, Pound Sterling,
UAE Dirham & SAR).
No restriction on minimum number of transactions.
Zakat is exempted.
Free Accidental Death and Disability Insurance Coverage up
to Rs. 2.5 million.
Minimum Deposit Required:
:
31. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 31 of 65
USD: 500
EURO: 400
AED: 2,000
GBP: 300
SAR: 2,000
(j) UBL FCY UniFlex
UBL has introduced a checking account ideal for rate conscious
individuals, traders, organizations, monthly savers and customers who
want transactional flexibility. You can now afford an amazing rate of
return, plus value added benefits only available from the UBL FCY
UniFlex, the Best Foreign Currency Savings Account.
Special Features:
Amazingtier-basedprofit rates
Ease of cross-currencyconversions
Monthly profit payment on average balance.
Available in US Dollar, PoundSterling, Euro and UAE Dirham.
(k) UBL Regular Term Deposit Receipt
If you wish to make a secured long term investment, UBL’s Term Deposit
Receipt is the smart choice, just make an investment and see your
deposit grow over time. By investing in UBL Term Deposit Receipts:
Special Features:
You get an attractive rate of return
Your profit is paid monthly on a floating rate based on
money market conditions
You can avail the Rollover or Renewed option at any time
before encashment
You can get your TDR en-cashed at any time before maturity
period
32. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 32 of 65
(l) UBL Special Notice Deposit Receipts
If you wish to park funds for a short term period then UBL offers Special
Notice Deposit Receipts (SNDR). Special Notice Deposit Receipts are
daily profit products with fixed notice period (7 Days and 30 days) and
periodical profitpayouts, governedunder the rules of the profit and loss
sharing (PLS) system.
SpecialFeatures:
Attractive rates of return
Secure investment
Profit will be given upon encashment
Availability of options to invest funds for 7 days and 30 days
(m) UBL Basic Banking Account
To accommodate the banking needs of low income groups, United Bank
Limited is pleasedto launch the UBL Basic BankingAccount Scheme (UBL
BBA) from February 25, 2006 across its branch network all over Pakistan.
This is primarily aimed toward helping the low income group to benefit
from the banking services without having the pressure to maintain
specific balance amount with the banks.
Features:
The minimum initial deposit at the time of account opening
is to be Rs. 1,000/-
Basic Banking Account will be a current account
All Business Partner waivers allowed if minimum balance
requirement condition as per SOC is met by the account
holder
All other banking services provided will be charged as per
the prevailing SOC
33. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 33 of 65
The statement of account will be issued once a year for UBL
BBA customers in June. Issuance of duplicate statement will
entail a charge of Rs. 50/- as per SOC
Like the regular Currentaccounts, UBL BBA will also be Zakat
Exempt accounts
(n) UBL First Minor Saving Account
UBL First is a savings accountopened on behalf of a child in the name of
the father or mother or a court-appointed guardian and the minor.
UBL First is designedespecially for children and aims at becoming every
child's first bank account, helping inculcate a savings habit. It is tailored
to meet a child's future financial needs in a planned and convenient
manner.
Special Features:
Every account holder is entitled to a welcome pack
Two VISA ATM Debit Cards are provided
Account opening, birthday and accountanniversarysurprises
Free E-statements
The account holder is entitled to value added services that
include Internet Banking facilities
No minimum balance penalty levied on the account
Rules and Regulations:
UBL First Account can be opened for any child aged between
one day and 18 years
UBL First Account can be opened with a minimum amount of
PKR 100/-. There is no limit on the maximumamount of
investment
The cheque book (for the principal account) and the Pocket-
Money Card will be issued jointlyin the name of the minor
and the father/mother/guardian
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Hailey College of Banking & Finance, University of the Punjab Lahore. Page 34 of 65
The facilityof online use of Debit Cards will be available once
registration procedures have been duly completed
Profit is calculatedon monthly average balance
Detailed Terms & Conditions can be viewedin the account
openingform
(4) Priority Banking
Signature, UBL's Priority Banking service is uniquely designed to meet
the highest expectations of our high potential, high net-worth clients;
wherever you may be. Launched as an independent brand, Signature
offers focused and personalized Wealth Management Services for
selected, high net-worth individuals in a completely secure and
congenial atmosphere. Being preferred customers, our clients will be
given exclusive benefits, free services and a range of value added
facilities.
(5) Retail Asset Products
(a) Agricultural Loans
With over 20% of Pakistan’s GDP accounted for by agriculture, UBL
realizes its significance to the country’s economy. That is why the bank
offers a vast and diverse mix of agricultural based finance products.
Whether it is production related financing for major and minor crops
across the country or developmental requirements for land; purchase of
equipment or machineryor livestock financing – UBL has an agricultural
product tailor-made to any requirements.
(b) Small Loans
Under the Small Business Scheme, UBL is providing loans on easy terms
to those who wish to set up their own small-scale business. This scheme
is aimed at spreading prosperity in the country by reducing
unemployment.
35. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 35 of 65
As more and more people start their own industrial units, the countrywill
move steadily towards economic self-reliance.
(6) Corporate Banking
The Corporate Banking Group (CBG) 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.
The Corporate Banking Group focuses on attracting and servicing large
portfolio customers. Our forte is providing exemplary customer service
using the "Single Window" concept and product superiority.
(a) Services:
Funded
TFC Investment
Bridge Financing
Commercial Papers
SyndicatedFinancing
FinancingAgainstLiquid Securities
Securitization
Lease Financing
Short Term, TreasuryLines
WorkingCapital Financing
Non Funded
Letter of Credits
Letter of Guarantees
Standby LC’s
Export Finance Facilities
Pre & Post Shipment Financing
Cash ManagementServices
36. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 36 of 65
(b) Relationship Banking
This forms the pillar of our strategy as it is the primary tool towards
providing you full satisfaction. Relationship Banking involves:
Assessing and understanding customer needs
Providing you advice on your business needs
Helping you find viable financial solutions for your business
problems
Acting as the primary contact for you
(c) Customer Services
We believe in customer retention through quality service that would
encourage you to continue to bank with us your loyalty.
Our UNISERVICE concept strives to attain excellence in customer service.
We aim to provide total customer satisfaction through UNISERVICE,
which will soon be available at our full-service branches covering:
Trade finance
Letters of Guarantee
Letters of Credit
Funds Transfer
Remittances
Bill Discounting
Export Financing
Credit Extension
(d) Product Range
I. Corporate Finance
Loan Syndication
StructuredFinance
Term Finance Certificates
II. Finance/Credit Extension
37. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 37 of 65
Local CurrencyFacilities
Overdrafts
Demand Finance
WorkingCapital Finance
Import Financing
Receivable Discounting
Pre and Post Export Financing
LMM Funding
III. Trade
DocumentaryLetters of Credit
Standby Letters of Credit & Guarantee
DocumentaryCollection
Funds Transfer
IV. Investment/Cash Management
Current& PLS Accounts
Foreign Currency
Cash Collection
Utility Bill Collection
Capital Market Hybrid Products
FX Spot, Forwards and Hedging
Rice/Cotton Financingfor Ginners
(7) Investment Banking
Established in 2002, UBL Investment Banking Group is one of the largest
and most experienced investment banking groups in Pakistan. We are
the only Pakistani commercial bank with an investment-banking desk in
the GCC region. A dedicated specialist team of 19 investment bankers,
with diversified academics and experience in Pakistan and UAE, has the
expertise to cater to the needs of both domestic and regional clientele.
With an award winning team, UBL Investment Banking Group possesses
diversified industry experience, exposure to a wide array of landmark
38. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 38 of 65
transactions and knowledge of broad range of products resulting in top-
notch deal execution to provide quality investment banking services to
its clientele. Our well established deal execution and distribution
experience is evidenced by successful closure of over 161 debt and
equity transactions amounting to USD 14,559 million during 2003 –
2010.
(a) Debt and Capital Market
Our Debt Capital Markets & Syndications (“DCMS”) team of five
specialists has closed over 53 transactions amounting to USD 6,543
million during the last five years.
(b) Project and Structured Financing
Our Project & Structured Finance team deals with project advisory and
arrangement services for green-field and brown-field projects, together
with expansion initiatives of highly leveraged entities that seek non-
recourse/limited-recourse financing options.
(c) Equity and Advisory
Leveragingour reach as one of the leading banks in Pakistan, the Equity
& Advisory team delivers Equity Advisory and Arrangement solutions for
a geographically diverse client base. Keeping the client’s financing
requirements as the center-point, we provide clients with solutions
resultingin an optimum capital structure and attendant management of
expectations of disparate stakeholders.
(8) Treasury and Capital Market
At UBL Treasury & Capital Markets (TCM), we nurture a culture of
Delighting-the-Customer with a complete focus on customer needs for
their financial solutions. RecentlyTCM team’s customer-centric approach
got a well-deserved recognition when UBL was voted best in the
following categories in an Asia-Pacific survey of corporates and
institutions by Asiamoney:
39. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 39 of 65
Best domestic provider of FX Services
Best for innovative FX products and structured ideas
Today the UBL TCM is a frontrunner in providing:
The narrowest bid/ask spreads and the fastest quotes
Best for innovative FX products and structured ideas
Innovative structured products
(a) Foreign Exchange Desk
UBL Foreign Exchange Trading Desk, being an aggressive market maker
in the Interbank FX Market, has the capability to provide hedging for
high volume transactions to corporate customers in USD/PKR as well as
G-7 currencies at the most competitive pricing. The FX Desk also serves
as a medium for overseas customers to handle Remittance business for
the bank.
(b) Money Market Desk
UBL is one of the foremost players in Money Market and Fixed Income
Securities.As a Primary Dealers (PD), we are actively involved in Primary
market Auctions for GoP Securities. Following are the products covered
by our Money Market Desk:
T- bills
Pakistan Investment Bonds (PIB)
Sukuk
Repo / Reverse Repo
Call/Clean Lending
(c) Derivative Desk:
UBL Derivative Desk offers the following derivative solutions:
Forward Rate Agreements (FRAs)
40. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 40 of 65
Cross Currency Swaps (CCS)
Interest Rates Swaps (IRS)
FX Option
Customized Structured Products
(d) Liquidity Desk
Liquidity Desk’s functions involve management of bank’s holdings, with
the ultimate goal of maintaining the cash flows at optimal levels, and
mitigating operational and financial risk.
(e) Capital Market Desk
The UBL Capital Markets desk trades in stocks listed on the Karachi Stock
Exchange. It is also involved in more sophisticated transactions such as
future buy/sell contracts, future short sell and leverage products.
(f) Corporate and Institutional Desk
UBL was the first local bank to establish a Corporate Treasuryteam in the
Treasury dealing room. The bank's trade volumes and revenues have
grown significantly since the introduction of the Corporate Treasury
business.
(g) Foreign Exchange Sales
Our Corporate and Institutional Solutions (CIS) Desk serves to the foreign
exchange needs of corporate, institutional & retail clients. We at CIS
ensure to offer a comprehensive foreign exchange service and
competitive exchange rates.
Rate Sheet
Market Update
Currency Converter
(h) Fixed Income Sales
41. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 41 of 65
The Fixed Income sales team strives to work towards providing client
specific investment solutions in risk free government instruments to
corporations, institutions, welfare trusts, individuals etc.
(8) UBL Omni Branchless Banking
UBL Omni now brings a host of banking services to your nearest
"Dukaan". UBL Omni Dukaans are located in more than 650+ cities and
towns across Pakistan.
Account:
Customers across Pakistan can now open a basic UBL Omni bank
account at any UBL Omni Dukaan of their choice, whether close to their
home or place of work, by using their CNIC number and mobile phone
number - their mobile phone number will effectively become their bank
account number irrespective of which service provider they use. Also
they can avail instant ATM card. Accounts with higher limits can be
opened from any UBL branch.
UBL Omni account holder will subsequently be able to deposit and
withdraw cash, make utility bill payments, send or receive money,
purchase mobile airtime, make postpaid mobile bill payment, pay Zakat
& Donation and much more by using diversified array of convenient
channels which includes SMS, Mobile App, UBL Net banking or ATM. No
longer will they have to visit a bank branch to conduct their basic
banking transactions nor will they be limited by standard banking hours.
Services:
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Hailey College of Banking & Finance, University of the Punjab Lahore. Page 42 of 65
Account opening
Bill payment
Money Transfer
Mobile Top UP
Life Insurance etc.
(10) UBL Netbanking
UBL netbanking offers you a simple, convenient and secure way to
manage your bank accounts 24/7 from anywhere in the world. UBL
netbanking is the most trusted Internet Banking portal in the country
primarily because of its uniquely strong security features and an
attractive list of transactions and activities available.
With UBL netbanking, you can view all yours deposit, credit card and
loan accounts. You can pay your utility bills, mobile phone bills, buy
prepaidvouchers, invest in UBL Funds, transfer funds to any UBL account
holder, transfer funds to any 1Link member bank account in Pakistan,
send money to the doorstep of almost anyone in Pakistan through our
TezRaftaar cheque service, view cheques-in-clearing, manage your ATM
card online and shop online at our various partner stores in Pakistan, all
from the comfort of your home.
Features:
Some featured services are listed below:
My Accounts:
Manage Multiple Accounts
View /Download/Print/Email your Account Statement
Access your Credit Card and Loan Accounts
Manage your ATM Card
View Cheques-in-Clearing
My Payments:
43. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 43 of 65
It includes the followings:
Bills Management:
Utility Bills
Mobile Bills
UBL Bills (CreditCard, Cash Line, Drive, Address, Money)
Prepaid Management:
Mobile Airtime
Mobile PrepaidVouchers
UBL WIZ Top-up
(11) UBOnline
UBOnline is a unique and modern product of UBL. The customer can
access its account through internet while sitting in his home or office. It
enables a clientto check the balance of his account, transfer money and
much more without a visit to the bank branch. A secret password is
issued to customer so than he can access his account with due security.
(12) UBL Ameen (Islamic Banking)
UBL Ameen is interest free banking (Islamic Banking). Under this
following services are provided:
(a) Ameen Current Account (ACA) - Local Currency
44. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 44 of 65
Ameen CurrentAccount is a checking account which aims to provide the
necessary tools to individuals, and corporate customers to transact their
entire bank related business and personal activities. Funds received are
on the basis of Qardh and are used only in Shariah compliant business.
Features and Benefits:
Account can be opened with Rs 100/-
No limit on number of transactions
No minimum Balance requirement
ATM/VISA Debit Card
SMS Alerts
Free E-statement facility
Net Banking facility
Access to your funds through online network of over 1,200
UBL branches and 4,500 ATMs across Pakistan
24/7 Call Center facility
Nonstop full service (within bank timing)
(b) Ameen Current Account (ACA)- Foreign Currency
Ameen Current Account - Foreign Currency is ideal for those customers
and individuals who wish to maintain a secure foreign currency
transaction account. Ameen CurrentAccount (FCY) is a checking account
which aims at providing the necessary tools to individuals, and corporate
customers to transact their bank related business and personal activities.
Funds are received on the basis of Qardh and are used only in Shariah
compliant business. It is available in 5 leading currencies: US Dollar,
British Pound, Euro, Japanese Yen and UAE Dirham.
Features and Benefits:
Minimumdeposit requirementin US Dollar 500 or equivalent
in other currencies to be opened an account.
45. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 45 of 65
Available in leading currencies US Dollar, British Pound, Euro,
Japanese Yen and UAE Dirham.
Access to your funds through a network of UBL’s branches
dealing in Foreign Currency across Pakistan
No restriction on minimum number of transactions
24/7 Call Center facility
Nonstop full service (within bank timing)
(c) Ameen Saving Account (ASA)- Local Currency
Ameen Saving account is a checking account allowing maximum
flexibility and simultaneously provides optimal returns, be it trade,
business or personal banking needs. Ameen Saving is a tier based saving
accountwhere the expected rate of return increases in each progressive
tier. Funds are received on the basis of Mudaraba and are used only in
Shariah compliant business.
Features and Benefits:
Account can be opened with Rs 100/-
Tiered profit structure
Profit is calculated on the basis of daily average balance in a
calendar month
Ideal for customers looking at transactionalflexibility
No limit on number of transactions
No minimum balance requirement
Six-Monthly profit payment
(d) Ameen Business Account (ABA)- Local Currency
Ameen Business Account is a Mudarabah based Investment Account
which aims at providing the necessary tools to individuals and corporate
customers to transact their entire business activities in an easy manner
46. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 46 of 65
across Pakistan. The product is a viable alternative for those account
holders who require value added benefits on CurrentAccount to support
their business activities.
Features and Benefits:
Account can be opened with Rs 100/-
Nominal profit calculated on daily average balance and paid
half yearly.
The following facilities will be provided free of charge if an
daily average balance of Rs 100,000/- is maintained in the
account
Online transactions country wide
Ameen visa debit card (Gold)
Cheque book issuance
Issuance of cashier’s cheque / Pay order
Receipt of over the counter cash deposit
Cancellation of cashier’s cheque / Pay order
Cheque return unpaid
Clean bill for collection
SMS alerts
Duplicate cashier’s cheque/ Pay order
Duplicate account statement
(e) Ameen Monthly Saving Account
Ameen Monthly Saving Account (AMSA) is a checking account allowing
maximum flexibilityand simultaneouslyprovides optimal returns to fulfill
the business or personal banking needs. AMSA is a tier based saving
account where the rate of return increases in each progressive tier i.e.
larger deposits fall into higher tiers with greater returns. Funds are
47. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 47 of 65
received on the basis of Mudaraba and are used only in Shariah
compliant business.
Features and Benefits:
Account can be opened with Rs 100/-.
Tiered profit structure
Profit is calculated on the basis of monthly average balance
in a calendar month.
Monthly profit payment.
Unlimited number of transactions.
No minimum balance requirement.
(f) Ameen Certificate of Islamic Investment- Local
Currency
Ameen Certificate of Islamic Investment is a unique investment product
with multiple benefits, which aims at providing appropriate return to
customers. It is a fixed deposit certificate with three profit payment
options:
Profit at Maturity
Minimum amount to purchase a certificate: Rs. 10,000
Available in certificates ranging from 1 month to 8 years
Profit Bi-annually (July and January)
Minimum amount to purchase a certificate: Rs. 50,000
Available in certificates ranging in 1, 3, 5 & 6 years
48. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 48 of 65
Profit Monthly (1st working day of the month)
Minimum amount to purchase a certificate: Rs. 50,000
Available in certificates ranging in 1, 2, 3 & 5 years
(g) Ameen Daily Munafa Account (ADMA) - Local Currency
Ameen Daily Munafa Account is a checking account allowing maximum
flexibility and simultaneously provides optimal monthly returns on daily
product basis, be it trade, business or personal banking needs.
Features and Benefits:
Account can be opened with Rs. 100/-
Tiered profit structure with the association of daily day end
balance
Ideal for customers looking at transactionalflexibility with
higher rates
Profit is calculated on daily product basis
Monthly profit payment
No limit on number of transactions
No minimum balance requirement
(h) Ameen Minor Saving Account (AMiSA) - Local Currency
Ameen Minor Saving Account is a checking account allowing maximum
flexibility and simultaneously provides optimal monthly returns. Ameen
Minor Saving Account is designed specifically for junior/children under
the age of 18 years with exciting packages in accordance the rules of
Mudarabah. Funds are receivedon the basis of Mudarabah and are used
only in Shariah compliant business.
49. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 49 of 65
Features and Benefits:
Account can be opened with Rs. 100/-
Get ready for Exciting Packages
Surprising Gifts on Islamic Festivals
Profit is calculated on the basis of daily average balance in a
calendar month
Monthly profit payment
No limit on number of transactions
No minimum balance requirement
(i) Ameen Call Deposit Receipt (ACDR) - Local Currency
Ameen Call Deposit Receipt is a non-negotiable and non-transferable
instrument that enables customers to apply for the
tender applications. Funds received on the basis of Qardh are used only
in Shariah compliant business.
(j) Ameen Premium Account (APA) - Local Currency
Ameen Premium account is a checking account allowing maximum
flexibility and simultaneously aims to provide High returns, be it trade,
business or personal banking needs.
Features and Benefits:
Account can be opened with Rs.100
Expected high rate of return with a wide range of tiers.
Profit is calculated on the basis of daily average balance in
a calendar month
Ideal for customers looking at transactionalflexibility with
higher rates
Monthly profit payment
No limit on number of transactions
No minimum balance requirement
50. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 50 of 65
(k) Ameen Premium Certificate (APC) - Local Currency
Ameen Premium Certificate is specially designed for those investment
account holders who are willing to get high return on their investments
with multiple benefits.
Features and Benefits:
Minimum amount to purchase a Certificate: Rs. 5,000,000
Available in 1 month, 3 months, 6 months, 1year and 1
year with monthly profit payout.
Expected high rate of return with the flexibility of a wide
range of tenures and profit payment options
Premature encashment facility available
Profit is calculated on fixed amount placed at the time of
booking
Renewal option available
(l) Ameen Financial Institution Deposit Account (AFIDA) -
Local Currency
Ameen FI Deposit Account is a checking account allowing maximum
flexibility and provides High returns to Financial Institutions from their
Shariah- Compliantavenues. Ameen FI Deposit is a wide range tier based
saving account where the expected rate of return increases in each
progressive tier i.e. larger deposits fall into higher tiers with greater
returns. Funds are receivedon the basis of Mudarabah andare used only
in Shariah compliant business.
Features and Benefits:
Account can be opened with Rs 100
Expected high rate of return with a wide range of tiers.
51. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 51 of 65
Profit is calculated on the basis of daily average balance in
a calendar month
Monthly profit payment
No limit on number of transactions
No minimum balance requirement
(13) UBL Go Green Products
The earth is our home and to protect its natural resources is our
responsibility. UBL Go-Green is a small step in this regard. An initiative
by the bank to give back to the environment what generations after
generations have taken for granted.
A chance to breathe easy, to go back to nature: one of it’s most vital
elements – the trees. Go-Green makes the environment around you
paper-free. Use your mobile phones and computers for storing and
getting information.
The UBL Go-Green initiative offers you below mention services:
(a) The UBL Go-Green Internet Merchant Acquiring:
Secure payment mechanism
3D Secure authenticated transactions (Verified by Visa /
MasterCard Secure Code)
PCIDSS Certified Payment Gateway
52. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 52 of 65
(b) The UBL Go-Green E-Statement:
Receive your account statement electronically on your
registered email address
Secure online transmission at a frequency of your choice
(daily, weekly, monthly, quarterly, semi-annually)
(c) The UBL Go-Green SMS Alerts:
Get your bank transaction details the moment it happens
on your specified mobile number
Real time information available at hand without visiting
your branch
(14) International Bank Account
The IBAN account identification facility is a globally accepted standard
for bank accounts, with the aim to facilitate banking transactions and
reduce the time taken especially for foreign and local funds transfer
transactions.
IBAN implementation will not only provide your account greater security
when you transfer funds locally or internationally, but will also assist
banks towards ensuring error free transactions.
(4) NRP Services
UBL has taken progressive steps and has introduced innovative products
and services to provide you a variety of banking and financing services.
1) UBL Click n Bank (for NRPs living in the USA)
UBL Click n Bank offers you a simple and convenient way to open and
operate a bank account in Pakistan while sitting in the US. Your physical
53. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 53 of 65
presence at the branch is not required and the account is opened in the
branch of your choice anywhere in Pakistan.
Features:
Complete online registration.
Pak Rupee Account Operable Countrywide
Free ATM Debit Card
Cheque Book
Streamline Remittances
You can send money to your UBL Clickn Bank accountthrough UBL Click
n Remit as well as any of the other remittance service available.
You can remit funds from your UBL Click n Bank account to any Other
UBL or Pakistan bank through our Netbanking Service (Hyper Link).
Using Netbanking you can also:
Send money to your beneficiaryhaving account in any of the 1-
link member bank in Pakistan.
Monitor and manage your account with 24/7 access.
Obtain real time account balance, statements and alerts.
Send money to anyone in Pakistan using the PC-to-Person
facility, either through the Account-to Account transfer or get a
TezRaaftar check delivered to the payee's doorstep within 48
hours.
Pay your mobile & utility bills online in Pakistan.
Schedule recurring payments on weekly/monthly basis in
Pakistan.
54. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 54 of 65
2) UBL Click N Remit
When you remit through UBL Click N Remit, you always have a greater
sense of satisfaction that you are dealing with United Bank Limited - the
most trusted name in banking. Coupled with extensive reach and
unsurpassed reliability of United Bank's network, you enjoy excellent
personalized customer service from our New York branch
Features:
Simple, Reliable and Secure
Speedy and Inexpensive
Completely Online - Available 24 x 7
3) UBL Tezraftar:
UBL remittance service, TezRaftaar offers all overseas Pakistanis the
fastest and the most convenient delivery of their money to their
beneficiaries in Pakistan. Best of all, TezRaftaar is completely cost free
and is available at all UBL Overseas branch network in the Middle East,
UK and US. This facility is also available at UBL's correspondents (Banks/
Money Transfer Cost) in Australia, Canada, Denmark, UK, USA, UAE,
Saudi Arabia, Kuwait, Bahrain, Oman, Qatar, Malaysia and Europe as per
list available at Remitter Locator.
4) UBL Tezraftaar Account Services
UBL Tezraftaar Account Services would allow a Non Resident Pakistani
(NRP) in a foreign country to open an account in any branch of UBL in
Pakistan, by simply visiting any of UBL overseas branches in UAE,
Bahrain, Qatar and selected Money Transfer Companies of Kuwait, Oman
and UAE.
55. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 55 of 65
This will enable them to save their hard earned money on an attractive
rate of return with UBL, and also avail the exceptional UBL’s various
products and services.
To facilitate NRPs residing in foreign countries with easy
Account Opening Process in Pakistan.
To channelize and legalize the inflow of foreign remittances.
Enhance UBL current/saving account’s image with the greatest
value for the customer.
All types of UBL checking Accounts being presently offered or
to be offered in the future with entire benefits as per product
terms and conditions.
Further more investment products or TDR are also available, if
the customer wants to invest
5) UBL Tezraftaar Pardes Card
We introduce to you the UBL Tezraftaar Pardes Card in collaboration
with Pakistan Remittance Initiative (PRI), where the customers inward
remittances are deposited automatically on the remittance card as and
when sent.
UBL Tezraftaar Pardes Card is a unique initiative to provide you relief in
receiving your money without having to go to the bank's branch. Apart
from being an ATM card, the UBL Tezraftaar Pardes card also provides
you with the facility of directly spending through all VISA accepting
outlets across Pakistan.
6) NRP Direct:
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Hailey College of Banking & Finance, University of the Punjab Lahore. Page 56 of 65
United Bank brings to you a simple & convenient way to open, fund &
operate a bank accountin Pakistan. NRP Direct is the first & only deposit
account ever to be launched for Non-resident Pakistanis. Now feel at
home with your NRP Direct account!
With UBL NRP Direct, you do not have to rush to arrange money when
your family urgently needs it. You can keep sending money into your
NRP Direct accountand your family can withdraw the amount whenever
they need.
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58. United Bank Limited Pakistan
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7) Global Remittance Partners:
59. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 59 of 65
UNITED BANK LIMITED
60. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 60 of 65
Strengths:
Experience of Operation
Bank’s Emphasis on consumer banking
Attractive compensation packages for employees
Well spread branch network
Professional and Skilled Management
Quality products and Services
Innovative products
UBL has more than 5 million regular customers
UBL has efficient online banking and online transactions
Weakness:
UBL has less emphasis on Islamic Banking
UBL has not many such branches in rural areas
Less promotional Activities for old employees
No standardization in term of branches; some branches
are very attractive and most of the branches are not so
good like other branches.
In some urban areas of Pakistan, services of UBL are not
good as compared to other private banks.
No separate training center to train their employees.
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Hailey College of Banking & Finance, University of the Punjab Lahore. Page 61 of 65
Opportunities:
Capturing Market Share
UBL can improve and expand its foreign operations
Especially in UAE
Opportunity to increase its product line
Bank can extend its network of branches in all over
Pakistan
Call center services should be improved to enhance their
network.
Threats:
Increasing number of foreign Banks
Services offered by foreign Banks
Lack of consistency in Govt. Policies
Terrorism and Security threats
High Competitive Banking Environment
Lack of huge deposits
High operating cost
Due to more consumer banking there is threat of bad
debts
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Hailey College of Banking & Finance, University of the Punjab Lahore. Page 62 of 65
Political
Poor Govt. Policies
Political Instability
Most of the Banks have to finance the loan under political
pressure
Non-payment of loan by the political Leaders
Economical
Low Consumer Income
Low Saving Rate
Consumption Patrons
High rate of interest
Budget deficit
Inflation
Low cost of living
Social
Religious Beliefs
Non availability of knowledge of the products and services
and charges of banks
With-holding Tax keeps away the people from the banking
transaction
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Technological
Investment for improving technology and Staff skills in IT
UBL purchase new System for interpretation of
Quantitative and Qualitative data to make financial
decisions
Growth of communication infrastructure
UBL is also upgrading its existing in-house developed
branch banking software with Core Banking System (CBS)
Financial Analysis:
Total Asset:
Year: Amount in Million (Rs.)
2013 88,557.55
2012 77,627.15
2011 70,622.93
2010 60,180.92
2009 52,276.25
Profit after Tax;
Year: Amount in Million (Rs.)
2013 18613.96
64. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 64 of 65
2012 18006.73
2011 15499.66
2010 11159.93
2009 09192.69
Total Dividend:
Year: Percentage of Paid up
Capital
2013 100
2012 85
2011 75
2010 50
2009 30
Conclusion
UBL is growingbank with immense potential for prospects of
employment in the offering. UBL is on the path enrooted for excellence
to achieve the goals for better prosperity to enhance its internal and
external equity. UBL believes in setting the right goal for right jobs and it
is strivingto identify the right resources. It takes pride in redefiningthe
career paths growth prospects for all of its employees in order to ensure
their success by providingan affluentwork environmentwhich is
conductive and beneficial for the enrichmentof their personal grooming
and paves way of the Bank.
65. United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 65 of 65
Recommendations:
The behavior with the customers shouldbe improved
Trainingof employees should be conducted
All the branches be fully equipped
Marketingthrough internet
Use of latest technology
Reasonable services charges shouldbe charged