United Commercial Bank Ltd. (UCBL) is one of Bangladesh's leading private banks with over 160 branches. The presentation summarized UCBL's various banking products like savings accounts, credit cards, loans, and online services. It analyzed UCBL's financial performance over 2010-2014 using metrics like profit margin, return on equity, earnings per share, and debt ratios. The presentation concluded that UCBL has grown to become a major private bank in Bangladesh and maintains good communication between levels of management.

1. Presentation
on
United Commercial Bank Ltd.
International University of
Business Agriculture and
Technology.
(IUBAT)
1. Riaz Ullah (17302045) [Group Leader].
2. Raisa Anjum (17302052)
3. Nasrin Akter Rupa (17302051)
4. Kanij Fatema Joty (17302001)
Department of BBA, Section – “E”

2. [United We Achieve]
United Commercial Bank
Ltd.
Image 01 : United We Achieve.

3. Introduction
UNITED COMMERCIAL BANK Have 160+ branches among the first
generation banks in the private sector.
Some Products and Services of UCBL:
UCB Multi Millionaire
Western Union Money Transfer
Online Service
Credit Card
Trade Finance
Locker Service

4. Mission of UCBL
Mission :
To build United Commercial Bank Limited into an efficient, market
driven, customer focused institution with good corporate
governance structure

5. Description :
UCB Savings Account
 UCB Savings Account provides an opportunity of savings
with a good savings rate. This is an easy to operate
savings account to earn deposit on your small savings.
 Facilities :
 Debit Card
 Check book facility

6. Progress Ratio
Figure 01 : Progress Ratio (2010 – 2014)
 Here We Can
See The
progress Ratio.
 2010 – 1.05%
 2011 – 1.10%
 2012 – 1.17%
 2013 – 1.21%
 2014 – 1.13%

7. Profit Margin
Figure 02 : Profit Margin
 Here We Can
See The Net
Profit Margin.
 2010 – 28%
 2011 – 32%
 2012 – 16%
 2013 – 25%
 2014 – 24%

8. UCB Youngsters Savings
 Eligibility :
1. Must be a student of any School/College/University/Institution of Bangladesh.
2. Any students can open Youngsters Savings with any UCB branch.
 Minimum Opening Balance: Tk 100/=
 Debit Card: May be issued to student of 12 years & above. In case of below 12 years, it may be
issued in favor of legal guardian.
 Tax, VAT & Excise Duty will be applicable as per Govt rules.

9. Debt Ratio
Figure 04 : Debt Ratio
 Here We Can
See the Annual
Report.
 2010 – 94%
 2011 – 91%
 2012 – 91%
 2013 – 91%
 2014 – 92%

10. Internet Banking
 The following are the internet banking features for :
1. Customers are able to view the list of current, saving, deposit and loan
accounts with the current balance.
2. Can make payment of the loan installment.
3. Also can make a request for a cheque book.
4. The customer can query about interest rates, foreign exchange rates
using this function.
5. The customer can change his internet banking password.

11. Some Image Of UCB Credit Card’s
Image 02 : Master-card (Classic)
Image 05 : Visa-card (Classic)
Image 03 : Master-card (Gold)
Image 06 : Visa-card (Gold)
Image 04 : Master-card (Platinum)
Image 07 : Visa-card (Platinum)

12. Return On Equity
 Here We Can Se
Return On Equity
 2010 – 32.28%
 2011 – 24.77%
 2012 – 9.29%
 2013 – 15.85%
 2014 – 17.07%
Figure 05 : Return On Equity

13. Earning Per Share
 Here We Can
See Earning
Per Share.
 2010 – 7.50
 2011 – 4.05
 2012 – 1.90
 2013 – 3.66
 2014 – 4.39
Figure 06 : Earning Per Share

14. Locker Services
The Locker Service of United Commercial Bank
Limited is a very user friendly service with safety,
security.
UCB locker service is the total secure facility for the
purpose of deposit of documents, Jewellery or other
valuables Property.

15. Information Of UCB MasterCard Classic
Credit Limit up to BDT 45,000.
Dual Currency Card.
Cash Advance facility.
Easy repayment option.
3D Secure Online Transaction.
24 hours Call Center.
Image 08 : Master-card (Classic)

16. Information Of UCB MasterCard Gold
 Credit Limit from BDT 50,000 up to BDT 1, 45,000.
 Dual Currency Card.
 Cash Advance facility.
 Easy repayment option.
 Card Cheque facility.
 3D Secure Online Transaction.
 Double Benefit Insurance Scheme.
 24 hours Call Center.
Image 09 : Master-card (Gold)

17. Information Of UCB MasterCard
Platinum
 Credit Limit from BDT 1, 50,000 up to BDT 5, 00,000.
 Dual Currency Card.
 Free 1 Supplementary Card.
 Cash Advance facility.
 Priority Pass Airport Lounge Program.
 Card Cheque facility.
 3D Secure Online Transaction.
 E-Statement.
 24 hours Call Center.
Image 10 : Master-card (Platinum)

18. Conclusion
 United Commercial Bank Limited (UCB) is today’s one of the
leading private banks in our country.
 UCBL is well positioned to meet the challenge and will take the
opportunity of benefit from economic growth
UCBL is maintaining a well-structured communication from top to
bottom level.

19. Limitations
 As officers are very busy with their daily work, they could
provide little time.
 Every organization has their own secrecy that is not revealed
to others.
Employees did not disclose much information for the sake of
the confidentiality of the organization.

20. Recommendations
 Behavior of customer service department is good and it can
be further improved.
 UCB should train the employees so that their service
providing capacity can meet customers expectation level.
 UCB should increase the number of employees that can
reduce the waiting time of the customers.

21. ..# The End #..
..# Thank You #..