Internship Report on United Bank Limited (UBL)

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

HAILEY COLLEGE OF BANKING & FINANCE, UNIVERSITY OF THE PUNJAB. Page 2
MBA Banking & Finance (Morning) 1st
Semester
Session: 2014-18

United Bank Limited Pakistan
Hailey College of Banking & Finance, University of the Punjab Lahore. Page 3 of 65

UNITED BANK LIMITED

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

(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)

(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

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

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.

We look for the bright future – and the best among you have a
unique opportunity to be a part of it.

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:

 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.

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.

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.

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.

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.

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

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

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.

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.

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%

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

 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

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.

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.

(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

 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

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

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:

 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:
:

 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

(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

 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

 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.

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

(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

 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

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:

 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)

 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

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:

 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:

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

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.
 Minimumdeposit requirementin US Dollar 500 or equivalent
in other currencies to be opened an account.

 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.
 Tiered profit structure
 Profit is calculated on the basis of daily average balance in a
calendar month
 Ideal for customers looking at transactionalflexibility
 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

across Pakistan. The product is a viable alternative for those account
holders who require value added benefits on CurrentAccount to support
their business activities.
 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

received on the basis of Mudaraba and are used only in Shariah
compliant business.
 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)
 Available in certificates ranging in 1, 3, 5 & 6 years

Profit Monthly (1st working day of the month)
 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.
 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
(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.

 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
(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.
 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

(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.
 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.
 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
(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

(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

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.

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.

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:

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.

7) Global Remittance Partners:

UNITED BANK LIMITED

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.

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

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

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

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.

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

Internship Report on United Bank Limited (UBL)

Recommended

Recommended

More Related Content

What's hot

What's hot (20)

Similar to Internship Report on United Bank Limited (UBL)

Similar to Internship Report on United Bank Limited (UBL) (20)

Recently uploaded

Recently uploaded (20)

Internship Report on United Bank Limited (UBL)