3rd largest Commercial Bank of Pakistan

UBL assets of over 620 billion

It has 1257 branches in Pakistan
17 branches overseas
It has 400 ATM machines

To be a world
class bank
dedicated to
excellence, and to
surpass the
highest
expectations of
our customers and
all other
stakeholders.

 Optimize people, processes

and technology to deliver
the best possible financial
solutions to the customers;
Become the most sought
after investment.

 Agha Hassan Abidi founded the bank in 1959

Registered on July 24, 1959. started the operations on
November 7th , 1959
continued its operations as private banking company
until 31st December 1973
The bank was working as nationalized bank when the
government decided to privatize some banks in 1992.

 Board of Directors
Presidents
Vice Presidents
Regional Chief
District Managers
Managers
Operational Managers
Officers
Clerical Staff

 Agha Hassan Abidi:

He started his career with Habib Bank before
independence.
He founded the United Bank ltd. In 1959
He founded the BCCI
He founded the Infaq foundation (charitable
organization)
in UK , India , Bangladesh , Zimbabwe,
Pakistan.

Sheikh Nahayan Mubarak Al Nahayan

Chairman:
He heads the United Arab Emirates, ministry of Culture,
Youth & Social development prior to march 17, 2013.
He headed the ministry of education science & research.
He is the Chairman of WARID telecom.
Hilal-e- Pakistan
2005
Deputy Chairman:
Sir Mohammed Anwar Pervez

President & CEO:

Mr. Atif R. Bokhari
He started his career in 1985 with Bank of America. He
was appointed head of corporate & investment
banking in Habib Bank in 2000.He join the UBL in
2004.

 In 2002 govt. of Pakistan sold it to Abu Dhabi group and Best

Way group having 25.50% of its shares each

In 2002 it merged its operations in UK with those

belonging to National Bank of Pakistan to form
United National Bank Limited

Negative Equity
Heavy and continuing operating losses due to:
Overstaffing, 21,500 employees
Over branching, 1,701 branches
NPLs (Non performing loans), 60% of total loans
A lack of systems and controls across the board.

Demoralized staff, declining deposits and market

share.

changed 33 key positions

downsized the staff from 21,500 to 8,525
reduced the number of branches from
1,701 to 1,257
arrested the NPLs and blocked 80,000
deposits
Market share quickly increase from 7% to 10%

His Highness Shaikh Nahayan Mabarak Al Nahayan

Chairman

Sir Mohammed Anwar Pervez, OBE, HPK

Deputy Chairman
President & CEO
Director
Director
Director
Director
Director
Director
SEVP/Company
Secretary & Chief
Legal Counsel

Mr. Atif R. Bokhari

Mr. Omar Ziad Jaafar Al Askari
Mr. Zameer Mohammed Choudrey
Mr. Seerat Asghar
Mr. Muhammad Sami Saeed
Mr. Amin Uddin
Mr. Arshad Ahmad Mir
Mr. Aqeel Ahmed Nasir

Mr. Raymond Kotwal

Chief Financial
Officer

UBL Accounts
UBL Ameen
UBL Omni
UBL Humrah
Agriculture
Cards & Loans

UBL Business partner _Current Account

Rupees Transactional Account (RTA)
UBL Uniflex
UBL Unisaver
Certificate of Deposits
Foreign Currency Saving
Foreign Currency Term Deposit Receipts
UBL Basic Banking Account
UBL First minor Saving Account
UBL Business Partner Plus

UBL Ameen has its presence in all major cities of

Pakistan including Karachi, Lahore, Faisalabad, Sialkot
and Peshawar through 5 stand alone branches

UBL Ameen has also more than 20 Islamic banking

windows in the existing UBL branches

Ameen Current Account

Based on QARZ
Funds received, to be repaid on the demand/notice of the depositor

Ameen Investment Accounts

Based on Mudarabah
A partnership where one partner provides capital (called Rabb-ul-maal) and another
contributes efforts (called Mudarib)

Ameen Saving Account

Investment accounts that have freedom of withdrawal and deposit in which

profit can be received upon periodically

Ameen Certificate of Islamic Investment

Term investment in which higher amount of profit can be received upon

maturity /periodically

First cheque book free

No Minimum balance

Withdrawal on demand at anytime

PKR 100 Million and above 24 hours notice (working days)
PKR 200 Million and above 48 hours notice (working days)

Collection and clearance of cheques

No hidden charges

 UBL Omni now brings a host of banking

services to your nearest "Dukaan".
UBL Omni Dukaans are located in more than
580 cities and towns across Pakistan.
This is a major milestone in the evolution of
banking.

1. Account Opening
2. Cash Deposit
3. Cash Withdrawal
4. Utility Bill Payments

 UBL Hamrah has been designed for the convenience and

security .
It is the Traveller cheque for the safest and ideal way of
carrying cash when travelling anywhere in the Pakistan
Denomination of Rs. 10,000 and Rs. 5,000.
It is accepted more than 2000 places such as hotels, shops,
jewllers, etc
Salient Features:
Absolutely Free- No Bank commission , No Excise Duty,
Available to all: Holding an account with UBL not mandatory
for availing this facility
Transferable and Encashable:

Farm Loans
Production Loan Financing is available for Major and Minor crops across Pakistan.
(Revolving Credit Scheme)
Minimum Amount PKR 30,000

(Demand Finance Production)

Minimum Amount PKR 30,000

Land Development, Equipments and Machinery Financing for

Land Improvement, Water course improvement,
Tube wells, Lift pumps, Deep turbine pumps, Cotton pickers, Godown, Cold Storage,
Harvester, Thresher, etc
Minimum Amount PKR 30,000

Tractor & Vehicle Finance To purchase Tractors, Delivery Vans, Mini

Trucks, Motor Cycle
and other vehicles used for marketing Agri Products
Minimum Amount PKR 100,000

 Livestock Financing

Dairy Farming, Meat Farming, Fattening of Animals, Rearing of

Animals, Construction of Sheds,
Milk storage tanks, acquire and establish modern and efficient livestock
facilities. Loan Minimum Amount PKR 50,000

Poultry Financing

Poultry Farm structure and equipments, Hatchery farm structure and

equipments, Feed Mills, Purchase of Chicks,
Feed, Medicines, Storage tanks, Cold storage, Construction of shed,
etc.
Minimum Amount PKR 50,000

Fisheries Financing

Fish seed, Fish feed, Construction of pond, Curing and Dying by

fishermen, etc.

UBL Credit Card - Chip Credit Card

UBL Wiz Prepaid Visa Debit Card
UBL Wallet Visa ATM Debit Card
UBL Address Home Loan Facility
UBL Business line Business Financing Loan
UBL Cash Line Running Finance Facility
UBL Drive Auto Loan
UBL Agricultural
UBL Small Business SME Loan

Sept
2011

VAR %
Sept
2010

Net Interest Income

33.17

28.52

+16%

Non Interest Income

13.01

11.07

+18%

Operating Revenue

46.18

39.59

+17%

Operating Expense

(17.80)

(16.68)

-7%

Pre-Provision Oper. Profit

28.38

22.91

+24%

Provision Exp./Other writeoffs

(13.52)

(8.22)

-64%

WWF / SBP Penalty

(0.47)

(0.63)

+26%

Profit Before Tax

16.80

12.90

30.23%

Profit After Tax

11.0

8.10

36%

Sept
2011

Sept
2010

Ver. %

Profit Before Tax

16.80
Billion

12.90
Billion

30.23%

Profit After Tax

11.0
Billion

8.10 Billion 36%

Increased: 4.01%

Increased: 3.50%

Dec, 2010
68,415,056
Sep, 2011
74,362,260

Increased: 8.69%

Sep 2011

Sep 2010

EPS (Rs/share-annual.)

8.95

6.58

Price* - (Rs /share)

52.90

48.70

No of shares

1,113 Millions

1,113 Millions

Long Term
Rating
Short Term
Rating
TFC Rating

AA+
A-1+
AA

Strengths
Weaknesses
Opportunities
Threats

 Ownership of Strong Group

Huge Deposits
Advances on Sound Basis
Infrastructure
Brands
Fast Service
Good Credit Rating

Centralization
Ineffective Personnel Policies
Low Motivation Level
Reactive Approach
Recovery
Land Marks Across Pakistan

Mobile Banking
International Expansion
Trade Shows
Liberalization
Socio Culture
Islamic Banking

Governmental Policies
Aggressive Competition
International Financial Slumps
Customer Behavior
Movement of trained staff to other banks
Strong competitors
Strict SBP policies
Increasing ratio of fraud

PESTLE analysis answers 6 key questions:

Political What are the political factors that are likely to affect the business?
Economic - What are the economic factors that will affect the business?
Sociological - What cultural aspects likely to affect the business?
Technological - What technological changes that may affect the business?
Legal What current and impending legislation that will affect the business?
Environmental- What are the environmental considerations that may affect
the business?

 Poor government policies.

Political Instability
Most of the banks have to finance the loan
under Political pressure
Non Payment of loan by the Political Leaders.

 Consumer income
Saving rates
Consumption patrons
Rates of interest
Budget deficit
Exchange rates
Cost of living
Inflation

Declining work ethics.

Religious beliefs.
Non availability of the knowledge of the product of
the Bank.
With Holding Tax keep away the people from
Banking transaction.

Investment for improving Technology & Staff skills in IT

UBL purchase new System for interpretation of quantitative and
qualitative data to make financial decision.
UBL is also upgrading its existing in-house developed branch
banking software with Core Banking System (CBS).
Halted Growth of Communication Infrastructure

LEGAL
.

- Current legislation
- Future legislation
- International legislation
- Regulatory bodies and processes
- Employment law
- Consumer protection
- Health and safety regulations
- Money laundering regulations
- Tax regulations
- Competitive regulations
- Industry-specific regulations

ENVIRONMENTAL
- Environmental regulations
- Ecological regulations
- Sustainability
- Impact of adverse weather

UBL should make a good support to Islamic Banking.

UBL should open its branches especially in the country side.
UBL should update its website daily.
Improve internal control system

To Be a World-Class Bank where you come First .

It is the You First culture we are promoting at UBL to
truly become a world-class bank which takes care of its
customers and provides them with world-class services &
products. At UBL, we value our people as our greatest asset
and it is this philosophy that forms the basis of our focused,
committed and long term investment in the people that form
this great institution. Our bank will be the best bank in future
with your cooperation.