Beruflich Dokumente
Kultur Dokumente
• United Commercial Bank Limited is a first generation bank which was established in 1983
• The bank is listed in Dhaka Stock Exchange (DSE) and Chittagong Stock Exchange
(CSE)
• The bank provides Retail Banking, Corporate Banking, SME Banking, Off-shore Banking,
Remittance, etc.
• Currently the bank has 178 branches and 193 ATM booths all over the country
• The bank has two subsidiaries which is UCB Capital Management Limited and UCB
Investment Limited
Vision: To be the Bank of first choice through maximizing value for clients, shareholders &
employees and contributing to the national economy with social commitments.
Mission: To offer financial solutions that create, manage and increase our clients’ wealth
while improving the quality of life in the communities we serve.
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UCB Products and Services
Liability Products: Credit Card Products: Services:
• Current Deposit Account • Visa Credit Card: Classic • ATM Services
• Savings Deposit Account
• Visa Credit Card: Gold • Internet Banking Services
• UCB NRB Savings
• MASTER Credit Card: Classic • Online Banking
• UCB Imperial Savings
• MASTER Credit Card: Gold • Electronic Fund Transfer
• UCB Student Account
Loan Products:
• Fixed Deposit • Inward & Outward Remittance
• Overdraft
• UCB Earnings Plus • Locker Services
• Export Credit
• UCB Multi-Millionaire • Mobile Financial Services
• Export Bill Purchase
• RMG DPS Plus • Underwriting Financing
Non-Funded Products:
• Lease Finance
Capital Market Services:
• Letter of Guarantee • Transport Loan
• Securities Trading (Buy-Sell)
• Letter of Credit • Home Loan
• Margin Loan
• Bills of Collection • Home Mortgage Loan
Foreign Remittance Services:
Debit Card Products: • Education Loan
• Visa Debit Card: Classic • Bridge Financing Loan • Inward Foreign Remittance
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Job Responsibilities
agents such as Agent application form, Net • Documentation Checking, NID Verification AML
worth statement, CIB report, Market research, checking at ABD
Business Financials and Forecasting.
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UCB Agent Banking Services
• Cash withdrawals - ceiling should be determined by the management of the Bank from time to time in
line with the guideline of central bank.
• Foreign remittance
• Fund Transfer - Person to Person (P2P), Person to Business (P2B), Business to Person (B2P).
• Collection and processing of forms or documents in relation to account opening, loan application, credit
and debit card application from public.
• Post sanction monitoring of loans and advances and follow up of loan recovery.
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Profitability and NPL analysis of UCB
0.0%
2012 2013 2014 2015 2016
• Positive NIM indicates that the bank has invested its funds efficiently
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Profitability analysis
Return on Assets
1.8% 1.7%
1.6% 1.5% 1.5%
1.4% 1.4% 1.4%
1.4% 1.2% 1.3%
1.2% 1.1%
1.0%
1.0%
0.8% 0.8%
0.8%
0.8% 0.6%
0.6% 0.6%
0.6% 0.5% 0.5% 0.4% 0.4%
0.4%
0.2%
0.0%
2012 2013 2014 2015 2016
Return on Equity
25%
21%
20% 18%
16% 16%
15% 15% 16% 16%
15% 14%
0%
2012 2013 2014 2015 2016
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Profitability analysis
Cost-income Ratio
70.0% 65.3%
63.9%
61.6%
58.8%
60.0% 54.4%
53.9% 53.4% 52.9%
51.3% 53.6%
48.3% 47.8% 47.8%
50.0% 46.6% 45.8% 46.0%
43.4% 42.5% 43.0%
42.7%
40.0%
30.0%
20.0%
10.0%
0.0%
2012 2013 2014 2015 2016
• Increasing trend for all the banks, which is alarming issue for banks
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Non-performing loan analysis
NPL ratio
9.0%
8.1% 8.0%
8.0% 7.5% 7.6%
7.0%
5.9% 6.0%
6.0%
5.2% 5.2% 5.2%
5.0% 4.6% 4.4%
4.0% 3.9% 3.9%
4.0% 3.7% 3.7%
3.3% 3.4% 3.2%
3.0%
3.0%
2.0%
1.0%
0.0%
2012 2013 2014 2015 2016
• ABBL is performing better than other three banks in terms of NPL ratio
• CBL is has the highest percentage of NPL ratio, which is a serious concern for the bank
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Cases of Non-performing loan
11
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