UBL

PRESENTED TO:

PROF.RIAZ AHMED MIAN

Presented By

Fareha Aslam Mi11MBA042

Razia Ali Mi11MBA013

Iqra Anjum Mi1MBA063

WELCOME TO UBL

Where you come first

SALOGAN OF UBL

WHERE YOU COME FIRST

•The Bank was Established in 1957•Become a schedule Bank on 7th November 1959

• It has 1100 domestic branches $ 20 overseas branches

•Head Office: I.I Chandigarh Road Karachi

•Become Nationalized Bank on 21st December 1974

Presently UBL is managed by a board of directors including one president, 4 directors from UBL, 1 from Pakistan Banking Council and one from ministry of finance.

Organizational Structure

Chairman

Deputy Chairman

Board of Directors

Executive Committee

Managing Director

SEVP

EVP

VP

Officer Grade-INon Clerical Staff

Clerical Staff Officer Grade-II

Officer Grade-III

•Vision Of UBL:The vision of UBL is “A World - Class Bank Where You Come First” which means that they believe that their customers’ needs come first. It is this “You First” culture they are creating at UBL to truly become a world-class bank, which takes care of its customers and provides them with world-class services & products.

•Mission Of UBL:“Its mission is to serve customer’s social, commercial, corporate needs and ensure their full satisfaction through product innovation, personalized banking, and top notch services”.

Types OF Banking•Consumer Banking •Commercial Banking

•Cooperate Banking •Investment Banking

•Online Banking •Treasury

• Islamic Banking

Consumer Banking:In UBL Consumer Banking any individual can get friendly, efficient and attentive personalized banking services. UBL services are:

•UBL Money $ Credit Card

•UBL Business Line $ Address

•UBL Driver $ Cash Line •PLS Saving Accounts

•PLS Term Deposit •Uni Saver•Remittance

Commercial BankingIf any person has a small or medium-sized business, UBL can assist him with the right mix of banking services that will help him manage and grow his business

Cooperate BankingThe CBG (Corporate Banking Group) 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. UBL CBG is considered to be a major player in the financial market of Pakistan.The Corporate Banking Group focuses on attracting and servicing large portfolio customers.

Investment BankingIBG specializes in providing innovative and unique advice to its clients to assist them in meeting challenges in an ever-changing market. IBG consists of twelve dedicated professionals

Online BankingWith UBL’s state of the art online banking, customer can access his account from more than 350 branches located in 71 cities across Pakistan.Silent feature of online banking are:

1.Cash Deposite 2.Cheque Encashment 3.Stop Payment4.Account Statement 5.Fund Transfer

Treasury:The UBL Treasury & Capital Markets (TCM) has developed a reputation as a proven market leader in converting innovative ideas into profitable ventures for the bank and for its customers

Islamic Banking:•To manage and be responsible for the operations of Islamic banking business (IBB)

•To liaise with other departments in the bank • To ensure that all funds pooled into the Islamic

Banking Fund (IBF) are channeled into shariah compliant financing and investment activities

Cash Management Department

Cash Manageme

nt

Operation

Sales

•The working of sale department is to provide the services to the cooperate client. •Operation department deals bulk transaction worth in millions & billions through on line banking in a single day.It performs the two important functions. Which are,1.Collection 2.Disbursement

Working Of Cash Management Department:The background behind the cash management department was that UBL corporate customers wanted to distribute salaries among their employees all over the Pakistan. & Interested in its sales collected from their retailers. This will enable the customer to manage their company’s total financial position right from UBL desktop computer.

Tasks Of CMD:

1.Salary distribution among the employees of the corporate customer.2.Customer’s sales Collection is directed through the vast network of UBL Branches spread across the country.3.Transfer the Amount from one A/C to other account in that same branch or in other branches

Financial Analysis

Years 2009 2008 2007Total Assets

347048951 272612663 216621247

Total liabilities

325380681 225248632 200339486

SWOT ANALYSIS:S:StrengthsW:WeaknessesO:Opportunities

T:Threats

Strengths:•The biggest strength of UBL is its •brand name•Quality products and services•Innovative products•UBL has more than 5 million regular customers.•Largest network with 1100 branches with 20 overseas branches.•UBL have a big market share about 8.5%.•Customer closeness.•Totally professional team•UBL has a very efficient online system or online transitions

•UBL has less emphasis on Islamic banking •UBL has not such many branches in rural areas.•Less promotional activity for the old employees

Weaknesses:

Opportunities:•Capturing market share•Very wide international market awaiting for UBL for its products Spatially in UAEWorking on a new system called “GENESIS” for on line transitions

Threats:•Highly competitive banking environment.•Due to more consumer financing there is a threat of bad debts•Competitors like NBP, MCB Bank ABN AMRO, Standard Chartered, Bank Alflah and many more.

Pest Analysis

P:PoliticalE:Economic

S:SocialT:Technological

Political

Influence of GovernmentAntitrust lawContinues political changesGlobal changes

Economical

InflationBurglaryLabor costUnstable policies

Social

IlliteracyCarrer attitudeCulturePopulation growth rate

Technological

R & D activityRate & technological diffusionInvestmentsInnovation

ConclusionUBL is best online bank in Pakistan, which gives customer the

power to send money to anyone in Pakistan; even if they do not have a bank account at UBL. By adopting new strategies, UBL can compete its competitors with up-to-date technology and improvement and addition of more online services Customer can send money to another UBL customer through Account-To-Account transfer just within 48 hours anywhere in Pakistan.

Recommendations

•New blood should be injected and young professionals should be recruited on merit to induce enthusiasm in the bank.

•Customers should be made focus of all activities to boost up the business.•More internees should be entertained as they may prove to be the ‘envoys’ for the bank.

•More publicity about bank’s unique schemes and operations needs to be done on multi-media especially T.V

Thanks For COOPERATION