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VUSTUDENTS.NET TEAM.
Virtual University of Pakistan
Zahid Hussain
Roll No. 07
M.Com_4th(Fiance)
TABLE OF CONTENTS
Domestic saving.
Br an ch es
1112 Domestic,
17 Overseas Branches
Registered Office
13 Floor, UBL Building,
Jinnah Avenue, Blue Area Islamabad, Pakistan
Head Office
State Life Insurance Corp. Building #1,
I.I. Chundrigar Road, Karachi, Pakistan
P.O. Box No.: 4306
Phone: (92-21) 111-825-
111 Gram: "UNITED"
Fax: (92-21) 2413492
Organizational Structure
❖ Board of Directors
➢ President
▪ Vice President
Regional Chief---14
District Managers- - - -42
➢ Managers-----------------1245
▪ Operation Managers----------1245
Officers-------------------7000
Clerical staff--------------------
VISION
TO BE THE
WORLD CLASS
BANK WHERE
1. UBL Profit.
2. Business Partner.
3. PLS Term Deposit Receipt.
4. Special Notice Received.
5. PLS Saving Account.
6. Unisaver Account.
7. Foreign Currency Account.
8. Foreign Term Deposit Account.
1. UBL PROFIT
Profit on Maturity
UBL Profit COD gives you the satisfaction of planning your future
by providing a lump sum payment of principal and profit at the time
of maturity.
Avail one of the best and most stable rates of return by investing
in UBL Profit CODs.
2. BUSINESS PARTNER
Submit a cheque in one city and get it cleared in another miles away
just within minutes. With online banking services, you can get your
cheque cleared instantly, without any hassle.
Other benefits*:
Anytime.
Three Years
Five Years
9-5 Non-Stop Banking
6. UNISAVER ACCOUNT
Special Features
ADVANCES DEPARTMENT
1. UBL Money
2. UBL Cashline
3. UBL address
4. UBL Drive
5. UBL Small Business Scheme
6. Agricultural Finance
1. UBL MONEY
UBL Money, the Personal Installment Loan from UBL provides you
with power, control, convenience and the flexibility to manage your
financial requirements and realize your dreams. UBL Money is a
fixed installment loan. It gives you access to funds starting from Rs.
50,000/- up to a maximum of Rs. 500,000/- without any collateral.
Flexibility
Payment Options
Repayment options
Eligibility Criteria
Getting UBL Money is very easy. Just follow the simple steps:
2. UBL CASHLINE
Have you ever wished for a loan that was flexible enough to be used
anywhere, anytime, and as many times as you wanted? UBL
introduces Cash line – the most flexible loan, providing you up to Rs.
500,000/- the perfect solution!
Flexible
Convenient
Cheque Book
ATM/Debit Card
Net Banking
Funds Transfer
3. UBL ADDRESS
UBL Address understands your home financing needs and offers you
a variety of fixed, floating and adjustable rate options-because at
UBL, where you come first.
Fix your repayments for 20 years today. The fixed markup rate gives
you peace of mind and allows you to plan your cash flows better.
For the first time tin Pakistan, UBL address provides an alternative to
high monthly rentals by offering a flexible repayment option to suit
your cash flows.
4. UBL DRIVE
Types of Finance
UBL Drive allows you to drive away in your own car by making a
down payment of just 10% and to top that with low monthly
installments.
With UBL Drive you can buy your favorite used car (up to 5 years
old) at the most affordable rates.
UBL Drive is the quick and hassle free route to the car of your
choice. Offering you for the first time in Pakistan, No Down Payment
and processing charges till your application is approved. After
approval, you can take your Purchase Order to any of our authorized
dealers, pay the Total Cash Outlay amount and simply drive away
with your preferred car.
Feauture
Insurance Options
Process Charges
Introduction
Eligibility Criterion:
Sources of Funds
Type of Financing
Naqal intacal.
Securities acceptable
Sanction Limits
For productions
For Development
Markup
1. Money Gram
2. Taz Raftar Cheaques
3. Hamrah
1. MONEY GRAM
2. TEZRAFTAAR
Benefits of TezRaftaar
3. HAMRAH
Hamrah RTC's are now accepted at more than 2000 places such as
hotels, shops, real estate agents, jewelers, car dealers, etc and of
course at all our UBL branches.
Benefits of Hamrah
Denominations:
Available to all:
Dealing of ATM
UBL wallet ATM/Debit card is all the convenience and security you
desired and the quality you deserve. This wallet holds all the cash in
your bank account. With UBL wallet you can withdraw cash at
ATM’s any time or make cash less purchases at outlets though\rough
the debit card facility.
UBL is the only bank that offers the ATM and Debit Card facility to
all account holders at all UBL branches, regardless of whether their
branch is online or offline
you can simply pick up the telephone placed next to every UBL ATM
and be instantly connected to our customer service representative via
a hotline.
Funds Transfer
For the first time in Pakistan, selected UBL ATMs feature a Virtual
Human Assistant, who guides you in conducting your ATM
transactions.
Security
Fast Cash
Swiftly withdraw your desired amount by selecting from one of the
options of preset denominations.
With UBL Wallet as your Debit Card, you can shop all you want, eat
all you can, or fill up your car tank without carrying any cash. Simply
use your UBL Wallet for direct debit from your bank account. The
Debit Card facility is being offered in association with the Orix
network, which offers connectivity at more than 1600 outlets across
the country. You can use your UBL Wallet to conduct a debit
transaction at any outlet in Pakistan that displays the Orix logo. Your
debit transactions are safe and secure, since only you are aware of
your Personal Identification Number (PIN). A debit transaction is
conducted only when you type your PIN into the Point of Sale (POS)
terminal located at the retailers' premises.
Copy of FIR.
RTC department is immediately in formed about the lost RTC, so
that caution is marked. The branch officer after verification of
genuineness of the case and proper identification will send the case
duly recommended.
Lost RTC number will be circulated through lost RTC bulletin, the
claim will be settled in cash or credit to part’s account. Refund in lieu
of lost RTC Rs.300 per application.
Types of Cheques
1. Transfer cheques
2. Transfer delivery cheques
3. Clearing cheques
Transfer Cheques
Which are collected and d paid by the same branch of the
bank.
Clearing Cheques
When the payee or endorsee (which deposits the cheques for
collected), and the drawer of cheques maintain accounts with
different bank, the collecting bank can receive the amount of cheques
from the paying bank in any of the following manner:
Cash Department
Mr. Javad Ahmad and Mr. Iqbal are working in this department
as cash supervisor and cashier. They are performing following
functions.
1. Cash Related
2. Unrelated with Cash
1. CASH RELATED
Mainly related to bills entry, BILLS are auto of charges from the
seller to buyer.
Bills department performs the function of collection of these bills. It
is of two types:
Clean collection
Documentary collection
1. Clean collection
Then that branch will inform us through intimation, and bank will
pass the following entries after paying the party;
And after receiving intimation bank will pass the entries like;
Head office Dr
Party account Cr
Procedure
Party A/C Dr
State Bank A/C Cr
And send intimation to HBL Bahawalpur and this bank will pass the
following entry.
H O A/C Dr
Party A/C
Cr
BALANCE SHEET
AS AT DECEMBER 31,2008
(Rupee in 000)
ASSETS
2008 2007 2006
Cash and balances with treasury banks 23,844,435 17,274,461
15,649,561
Balance with other banks 17,699,334 11,386434 9,985,788
Lending to financial institutions 16,262,504 23,096,028 3,627,557
Investments 54,953,728 56,516,760 69,244,328
Advances
Performing 144,806,581 92,513,736 67,355,236
Non-performing 6,118,006 3,611,442 5,452,870
Other assets 4,393,852 3,001,793 3,636,065
Fixed assets 3,969,006 3,754,236 2,710,892
Taxation recoverable 45,728 283,171 314,712
Deferred tax asset-net 5,194,89 5,486,357 5,026,457
LIABILITIES
NET ASSETS
17,364,031 15,049,873 11,071,717
Balance Sheet
RATIO ANALYSIS
BANKS SPECIAL
SOLVENCY RATIOS
ACTIVITY RATIOS
Total Asset Turnover Ratio 3.39% 4.12% 4.00%
Operating Asset Turnover Ratio 10.25% 10.32% 10.33%
PROFITABILITY RATIOS
95.50%
95.00%
94.50%
94.00%
93.50%
93.00%
92.50%
2.00%
1.50%
1.00%
0.50%
0.00%
2008 2007 2006
7.50%
7.00%
6.50%
6.00%
5.50%
Equity Capital to Total Asset is increase 2006 to 2007 little bit but it
become decrease in 2008 but this decrease is lesser than the
proportion of increase. In 2007 the Total Equity was higher than the
2006 and 2008. It may be call back its shares or its profit become
low in 2008 due to which this ratio become decrease.
Debt Rati o
94.20%
94.00%
93.80%
93.60%
93.40%
93.20%
93.00%
92.80%
Debt-equity Times
1
6
1
5
.
5
1
5
1
4
.
5.00%
4.00%
3.00%
2.00%
1.00%
0.00%
Total Asset Turnover increase in 2007 very little bit but it becomes
decrease in 2008, which is not so favorable. This ratio indicates that
the proportion in the turnover is not sufficient as the amount of total
asset increase it should be necessarily that turnover increased.
10.35%
10.30%
10.25%
10.20%
50.00%
40.00%
30.00%
20.00%
10.00%
0.00%
Net Profit Margin is increasing trend, which is favorable for the UBL
This ratio shows that a great achievement is happening from 2006 to
2008 in its net profit margin. Great achievement to control its
expenses and increase its other income. This shows that the
administrative department is working well.
Return on Investment
5.00%
4.00%
3.00%
2.00%
1.00%
0.00%
Return on Equity
25.00%
20.00%
15.00%
10.00%
5. 00%
Returnon Assets
1.60%
1.40%
1.20%
1.00%
0.80%
0.60%
0.40%
0.20%
0.00%
6 time increase. This ratio shows that the right decision about the
5
Current ratio
1.6
1.4
1.2
0.8
0.6
0.4
0.2
Economic outlook
Credit Rating
The JCR-VIS Credit Rating Company Limited has assigned a
short-term credit rating of “A-1+” to the Bank. This is the
maximum rating in the short-term and denotes outstanding
short-term liquidity with highest certainty of timely payments.
Further, the medium to long-term credit
Rating assigned is “A+”, indicating good credit quality,
moderate risk and strong protection factors.
STRENGTHS
1. UBL has its own online software, this software also sell
to the other banks and earn.
13. Till May 2005, the bank had successfully issued over
50,000 credit cards within the country.
17. The bank has also expanded its ATM network from 10
to 53 ATMs by year-end 2004.
SHORTFALLS / WEAKNESS
OPPORTUNITIES
THREATS
1. The ATM network has not its own that’s why huge
amount transfer into the ABN ambro account.
Conclusions