UBL is a leading Asset Management Company operating in Pakistan, offering savings and investment solutions to institutional and individual clients. UBL Fund Managers provide companies, institutional clients and individual clients with advisory services, comprehensive investment solutions, and excellent products. Their vision is to become a leader in the industry by being the first choice investment solution provider, offering investment advisory services, with an international presence; renowned for being client centric, quality conscious and innovative. And mission is to offer value added products and services while adhering to the highest levels of ethical standards

2. UNITED BANK LIMITED
FUND MANAGER’S REPORT
JULY’11
PRESENTED BY:
HIRA SHAHID KHAN
SAHAR KHAN
SAMREEN LODHI
SHAHZADI NEELOFAR (G.L)
PRESENTED TO:
MISS SOBIA SHEIKH

3. INTRODUCTION
UBL is a leading Asset Management Company operating in
Pakistan, offering savings and investment solutions to
institutional and individual clients.
UBL Fund Managers provide companies, institutional clients
and individual clients with advisory services, comprehensive
investment solutions, and excellent products.
Their vision is to become a leader in the industry by being
the first choice investment solution provider, offering
investment advisory services, with an international presence;
renowned for being client centric, quality conscious and
innovative.
And mission is to offer value added products and services
while adhering to the highest levels of ethical standards

4. UBL PRODUCT PORTFOLIO ARE:
• UBL LIQUIDITY PLUS FUND
• UBL SAVING INCOME FUND
• UNITED GROWTH & INCOME FUND
• UNITED STOCK ADVANTAGE FUND
• UNITED COMPOSITE ISLAMIC FUND
• UBL ISLAMIC SAVINGS FUND
• UNITED ISLAMIC INCOME FUND
• UBL CAPITAL PROTECTED FUND
• UBL RETIREMENT SAVING FUND
• UBL ISLAMIC RETIREMENT SAVINGS FUND

5. UBL LIQUIDITY PLUS FUND
 Fund generated monthly yield of
12.22%p.a. verses a benchmark of
10.48%p.a.
 Placement with banks and FDI
decreases by 8%
 Investments in T-bills increased
by 6%
 WAM (weighted average time to
maturity) stood 75 days
 Combination of assets and modest
WAM deliver market competitive
return to investors.

6. UBL SAVING INCOME FUND
It is an OPEN-END income
fund, with an aim of
competitive return and
moderate risk level by
investing in fixed income
instrument.
Placement with Banks &
DFIs decrease.
89% of net assets are
allocated in T-bills, with an
aim of increasing return and
taking advantage of
opportunities that may arise
due to changes in monetary

7. USIF v/s BENCHMARK

8. UNITED GROWTH AND INCOME FUND
OPEN-END AGGRESSIVE
FIXED INCOME FUND.
Investing in medium to long-
term fixed income instruments.
Short-tenor money market
instruments.
Seeks superior long-term, risk
adjusted return while preserving
capital over long-term.

9. UGIF v/s BENCHMARK

10. UNITED STOCK ADVANTAGE FUND
An OPEN-END EQUITY FUND, investing in equities primarily in KSE.
Seeks to maximize total return, invest in combination of securities
offering long-term capital gain and dividend yield potential.

11. USF v/s BENCHMARK

12. UNITED COMPOSITE ISLAMIC FUND
An OPEN-END FUND, offers investors an opportunity to
invest in diversified portfolio of Shariah Complaint
Investment.
Seeks to maximize medium to long-term return for a given
level of risk.

13. UCIF v/s BENCHMARK

14. UBL ISLAMIC SAVINGS FUND
An OPEN-END SHARIAH
COMPLIANT INCOME FUND.
Provides competitive return.
Moderate level of risk.

15. UISF v/s BENCHMARK

16. UNITED ISLAMIC INCOME FUND
An OPEN-END SHARIAH
COMPLIANT AGGRESSIVE FIXED
INCOME FUND.
Invests in medium to long term
income instrument.
Generate superior,long-term,risk
adjusted return.
Usually invests in:
Kohat cement sukuk
Agritech sukuk.
Eden builders.

17. UIIF v/s BENCHMARK

18. UBL CAPITAL PROTECTED FUND
An OPEN-END CAPITAL PROTECTED FUND.
Assures principal protection by investing major part of
assets in TDR with schedule banks.
Other funds are invested in equity market or other SECP
permitted instruments.
Usually invests in the following companies:
Engro Corporation
Attock Refinery
Nishat Mills

19. UCPF v/s BENCHMARK

20. UBL RETIREMENT SAVINGS FUND
An OPEN-END FUND.
Provides secure and regular income after retirement to the participants.
Participants contribute to the fund during their working life.
And withdraw from the fund on or after their retirement.

21. UBL ISLAMIC RETIREMENT SAVINGS FUND
It is same as UBL RETIREMENT SAVINGS FUND but
according to the SHARIAH LAWS.

22. MANAGER’S REPORT
SBP lowers the discount rate to 13.5%
SBP limits the government from borrowing from
commercial bank.
SBP conducted T-bills auction twice a month to control
money supply.
Remittances from overseas Pakistanis increase by 25%
Trade deficit for the FY11 was $15.6 bn

23. AN EXTRACT FROM THE MANAGER’S REPORT

24. THANK
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