Group Members: Arslan Aftab Asim Liquat Muhammad Bilal Muhammad Waleed Usman Sakina Mannan Salman Irshad

Introduction
UBL was established in November 7, 1959 One of the largest and oldest banks with more than 1121 branches all across Pakistan. Shaikh Nahayan Mabarak Al Nahayan The Chairman Sir Mohammad Anwar Parvaz Deputy Chairman Mr. Atif R. Bokhari The President

Individual Loans
Those loans which include credit to finance the purchase of automobiles. Mobile homes, appliances, and other retail goods to repair and modernize the homes, cover the cost of medical care and other personal expenses, either extended directly individuals or indirectly through retail dealers.

Types of Loans at UBL

1. 2. 3. 4. 5. 6. 7. 8. 9. UBL credit card Chip Credit Card UBL Wiz Pakistans First 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 Small Business - SME Loan UBL Premium Debit MasterCard

1) UBL credit card Chip Credit Card

UBL Credit Card. Mazay Mein Raho!: Galleria Picture Card Pakistans First Credit Card

2) UBL WIZ:
First Visa Debit card The users can pay for petrol, shop online, and dine at a restaurant without having to visit the bank

3) UBL Address: Monthly income of at least 50000 Age 23-65 years Markup depend on current KIBOR rate Buying a Home, Building a Home & Land plus Construction 4) UBL Business Line: Individuals who want to capitalize on profitable opportunities loan up to 10 million PKR pledged against a collateral 70 % worth of their house Markup on the amount being utilized only Income at least 50000, age 22-55 years

5) UBL Cash line: Individual could take up to 2 million No collateral Used for Bill Payments, funds transfer Income at least 100000 and age 21-60 6) UBL Drive Auto Loan: UBL Drive IMC Alliance UBL Drive Pak Suzuki Auto Financing Arrangement Program UBL Drive (Standard Product) 7) UBL Small Business SME Loan: Loans to small scale business on easy terms 8) UBL Premium Debit Master Card

Sillah Millah Campaign

This recent campaign of UBL encourages its users to pay their due on time by giving extra discounts to those people who have exceptionally an excellent credit history.

MCB
Foundation over 50 years. 4 million customers. Over 1000 branches ( 750 are Automated branches) 222 ATMs in 41 cities. MCB is in consolidation stage to lock in the gains. MCB has restructure its asset portfolio and rationalized the cost struture.

Introduction
MBC focuses on the three core business Corporate Commercial Consumer

Consumer loans
MCB offers three broad categories Car 4U (Auto Loan) Personal Loan Pyara Ghar (Home Loan)

Car 4U (Auto Loan)

They are giving this facility at. Affordable price Lower mark up Insurance rates. It has special benefits like(no processing fee if the case is declined). It has a fast and hassle free processing of application and there is priority delivery on different vehicles. The loan has special features it can finance up to 25 lacs.

Eligibility Parameter
Minimum Salary Rs. 45,000 per month, which is transferrable to MCB Age 22 to 60 years Tenor 1 to 7 years Employment status Minimum one year of service Nationality Only Pakistanis Relationship with Bank: At least for the past 6 months

Fees and charges

     

Processing fee: New car- Up to Rs.4500/- non-refundable Used and Imported car- Up to Rs.5000/- non refundable Repossession charges: Up to Rs. 20000/- (within same city) Up to Rs. 25000/- (Remote City) Up to Rs.30000/- (out of province) Late Payment Charges: 10% of installment or Rs.1000/- whichever is higher

Fees and charges

   

Pay order/DD reissuance if lost by dealer: Up to Rs. 500/Vehicle Evaluation/Parking/Legal Charges: Up to Rs.10000/Vehicle Appraisal charges for new Applicants Rs.1500/- per vehicle Markup Rates: 1 Year KIBOR (Offer) + 4.0%

Comparative Analysis
Four Dimension:
Variety of Consumer Loans; Eligibility Criterion; Mark-up Rates; and Time Period.

Variety of Loans
United Bank Limited Varieties of Loans Eight Muslim Commercial Bank Four Faysal Bank

Four

Eligibility Criterion
United Bank Limited
Eligibility Criteria -

Muslim Commercial Faysal Bank Bank

Minimum Salary 45000 per month Age Bracket22 to 60 years Salaried Individuals or self-employed businessmen Employment status of 1 year of service Pakistani resident 6 months relationship with the bank Minimum net income of 30,000 per month Age Bracket 21-65 Salaried Individuals or self-employed businessmen Age Bracket 21-65 Employment history of two years Pakistani Resident

Monthly Income more than 50,000 Age Bracket 23-65 Pakistani Resident Self-employed Business or Salaried Individuals -

Mark-Up Rates
United Bank Muslim Limited Commercial Bank Mark-Up Rates y Home Loan Faysal Bank

KIBOR + KIBOR + 4% KIBOR + 4% 3.5% to 4.5% to 4.5% to 4.5%

y Auto Loan KIBOR + KIBOR + 4 % KIBOR + 4 to 4.5% to 5.5% to 5% 4.5 %

Time Period
United Bank Limited Time Period y Home Loan y Auto Loan Muslim Faysal Commercia Bank l Bank

3 to 20 years 1 year to 5 years

2 to 20 1 to 20 years 1 to 7 years 1 year to 5 years