2. MONEY BANKING AND FINANCEMONEY BANKING AND FINANCE

3. GROUP-EGROUP-E
 JEHANZEB ALI (58)
 FARAH GUL (59)
 HAMEED ULLAH (60)

4.  The World-Class Bank, Where you come firstThe World-Class Bank, Where you come first

5. ““A World-Class Bank. Where You Come First”A World-Class Bank. Where You Come First”
VISION OF UBLVISION OF UBL
MISSION OF UBL
To develop & deliver the most innovative products, manage customer
experience, deliver quality service that contributes to brand strength,
establishes a competitive advantage and enhances profitability, thus
providing value to the stakeholders of the bank.

6.  Successful banking history of over 47 yearsSuccessful banking history of over 47 years
 Headquarters Karachi, PakistanHeadquarters Karachi, Pakistan
 Represented in 10 countries worldwideRepresented in 10 countries worldwide
 1,220 online branches inside the country1,220 online branches inside the country
 It also has representative offices in Tehran, Iran, and Almaty,It also has representative offices in Tehran, Iran, and Almaty,
Kazakhstan. It owns subsidiaries in the UK (United NationalKazakhstan. It owns subsidiaries in the UK (United National
Bank Limited), and in Zurich, SwitzerlandBank Limited), and in Zurich, Switzerland
 Type Public :Type Public :
 All most 1100 branches through PakistanAll most 1100 branches through Pakistan
 UBL has Assets approx. Rs.300 billionUBL has Assets approx. Rs.300 billion
 Products Commercial Banking, Private Banking, AssetProducts Commercial Banking, Private Banking, Asset
ManagementManagement
 UBL has high level contacts with government and regulatoryUBL has high level contacts with government and regulatory
authoritiesauthorities
INTRODUCTION

7.  Founder Agha Hassan AbediFounder Agha Hassan Abedi
 Nov 7,1959Nov 7,1959
 Nationalized in 1976Nationalized in 1976
 Privatized on Oct 2002.Privatized on Oct 2002.
 Sponsors include :Sponsors include :
 Best way Group with 25.5% sharesBest way Group with 25.5% shares
 Abu Dhabi Group with 25.5% sharesAbu Dhabi Group with 25.5% shares
 Govt. of Pakistan and General public hold the balanceGovt. of Pakistan and General public hold the balance
HISTORY OF UBLHISTORY OF UBL

8. UBL Organizational ChartUBL Organizational Chart
UBL organizational chart represent a three layers of managementUBL organizational chart represent a three layers of management
UBL first authority lies with the board of Directors (BOD)UBL first authority lies with the board of Directors (BOD)

9. Consumer ProductsConsumer Products
 UBL AddressUBL Address
 UBL Business lineUBL Business line
 UBL DriveUBL Drive
 UBL Cash lineUBL Cash line
 UBL Visa credit cardUBL Visa credit card
 UBL MoneyUBL Money
 UBL Wallet visa debit cardUBL Wallet visa debit card
 UBL Omni DukaanUBL Omni Dukaan

10. UBL AddressUBL Address
Owning a house of your very own is a cherished dream.Owning a house of your very own is a cherished dream.
UBL we aim to make your decision easier, by offering you the rightUBL we aim to make your decision easier, by offering you the right
ingredients that can help you realize your dream with absoluteingredients that can help you realize your dream with absolute
convenience.convenience.
All product options are amortized and range over a tenor of 3-20All product options are amortized and range over a tenor of 3-20
years.years.
UBL Business Line
UBL Business line a complete solution to all your Business Financing
needs.
With UBL Business Financing facility, you can now take your business
to greater and newer heights, and achieve the level of success that you
truly deserve.

11. UBL DriveUBL Drive
Accelerate your life; Drive the way that suits you!Accelerate your life; Drive the way that suits you!
UBL Drive is a unique auto financing product which offers youUBL Drive is a unique auto financing product which offers you
features, option and flexibility.features, option and flexibility.
UBL Cash line
 UBL Cash line is a flexible loan that provides you cash up to
Rs.500,000 without any security requirements.
 UBL Cash line is aimed to make your life easier…ZINDAGEE
ASAAN.

12. UBL Credit CardUBL Credit Card
Welcome to the world of UBL Credit Cards .Welcome to the world of UBL Credit Cards .
 We offer you a range of innovative and exciting cards that isWe offer you a range of innovative and exciting cards that is
not only powered by the security of chip but also enablenot only powered by the security of chip but also enable youyou
to personalize it any way you want.to personalize it any way you want.
 UBL is offering different types of credit cards :UBL is offering different types of credit cards :
 GoldGold
 SilverSilver
Card
Type
Annual fee (PRs.) Daily Limits (PRs.)
Primary Supplem
entary
ATM
Withdr
awal
Debit
Card
Spend
Funds
Transfer
(From UBL to
UBL)
Funds
Transfer (From
UBL to other banks)
Gold 500 250 40,000 100,000 250,000 250,000
Silver 300 150 20,000 50,000 250,000 250,000

13. UBL MoneyUBL Money
 It’s about buying new furniture or marriage expenses, financing theIt’s about buying new furniture or marriage expenses, financing the
education of your child or enjoying vacations abroad !education of your child or enjoying vacations abroad !
 You can borrow any sum between 50,000 - 500,000 (PKR) andYou can borrow any sum between 50,000 - 500,000 (PKR) and
payoff up till 5 years.payoff up till 5 years.
UBL Visa Wallet
 UBL Wallet VISA as your debit card, you can shop all you
want, eat all you can or fill up car tank without carrying any
cash.

14. UBL TRAVELERS WIZUBL TRAVELERS WIZ
Limits
PKR
Max balance per card
200,000/-
Loading / Reloading per instance
100,000/-
ATM withdrawal per day
40,000/-
POS usage per day
100,000/-
Internet usage per day
100,000/-

15. UBL LADIES WIZUBL LADIES WIZ
Limits PKR
Max balance per card 50,000/-
Loading / Reloading per instance 25,000/-
ATM withdrawal per day 20,000/-
POS usage per day 50,000/-
Internet usage per day 25,000/-

16. UBL TEEN WIZUBL TEEN WIZ
Limits PKR
Max balance per card 20,000/-
Loading/Reloading per instance 10,000/-
ATM withdrawal per day 20,000/-
POS usage per day 20,000/-
Internet usage per day 10,000/-

17. UBL OMNI DUKAAN
Customers across Pakistan can now open a UBL Omni bank account at
any UBL Omni Dukaan of their choice. Omni convenience is now
offered at affordable prices to all of our customers :
Initial deposit requirement Of account opening PRs. 100
Minimum balance requirement in account PRs. 100
Minimum balance charges of account
PRs. 15 per
month
Mobile Voucher Purchase Free
Mobile postpaid Bill Payment Free
Cash Withdrawal from Omni account
(Not applicable on Omni Money Transfer)
1.5% of the
withdrawal
amount
FEATURES:

18. 
Deposits ProductsDeposits Products
UBL Current accountUBL Current account
UBL Saving accountUBL Saving account
UBL PLS accountUBL PLS account
UBL Basic Banking AccountUBL Basic Banking Account
UBL Business Partner (Current Account)UBL Business Partner (Current Account)
PLS UniSaverPLS UniSaver
PLS UniSaver PlusPLS UniSaver Plus ..
UBL First Minor Savings AccountUBL First Minor Savings Account
Foreign Currency SavingsForeign Currency Savings
Small Business SchemeSmall Business Scheme
UBL Net BankingUBL Net Banking
UBL e-statementUBL e-statement
UBL HamrahUBL Hamrah

19. CURRENT ACCOUNTCURRENT ACCOUNT
Non interest bearing checking account.
Minimum account opening requirement of PRs. 5,000 only.
Free Online Banking.
VISA Debit/ATM card can be used at over 30 Million outlets and at
1.5 Million ATMs across the world.
No restriction on number of withdrawals and on number of deposits.

20. SAVINGS ACCOUNT
Interest bearing checking account.
Minimum account opening requirement of PRs. 5,000 only.
Bank provide 13.5% interest to the depositor on their deposits.
Bank provide 19.5% interest on the loan to the customer

21. PLS SAVINGS ACCOUNTPLS SAVINGS ACCOUNT
 Profit & Loss Sharing Saving Bank Account.
 Minimum account opening requirement of PRs. 100 only.
 No restriction on number of withdrawals and number of deposits.
 Profit on saving accounts is credited to the customer account.
 Debit card can be used to withdraw cash and make purchases at
thousands of outlets across Pakistan which provides access to funds
24 hours a day.

22. UBL Basic Banking AccountUBL Basic Banking Account
 Two deposits and two withdrawals each month as per the bankTwo deposits and two withdrawals each month as per the bank
policypolicy and free of charges.and free of charges.
 Through 24hrs ATM services.Through 24hrs ATM services.
UBL Business Partner (Current Account)UBL Business Partner (Current Account)
 Minimum deposit for Account opening amount is 500.Minimum deposit for Account opening amount is 500.
 Average balance falls below than charge will be 50 monthly.Average balance falls below than charge will be 50 monthly.
PLS UniSaverPLS UniSaver
 Let your savings earn you bucks.Let your savings earn you bucks.
 PLS UniSaver offers you semi annually profit disbursement withPLS UniSaver offers you semi annually profit disbursement with
profit being calculated upon average monthly balanceprofit being calculated upon average monthly balance..

23. Avg Balance per month Profit Rate
PRs. 25 million 5.00%
PRs. 25 million to PRs. 100 million 5.10%
PRs. 100 million to PRs. 250 million 5.20%
PRs. 250 million to PRs. 500 million 5.30%
Above PRs. 500 million 5.50%
 Big amounts earn you big; but with PLS UniSaver Plus, we make
it bigger for you.
 With deposits starting from PRs. 25 million, we offer 5.00% but
more you put in, more profit rate will offer .
FEATURES :
PLS UniSaver PlusPLS UniSaver Plus

24. UBL first minor saving AccountUBL first minor saving Account
Pehli Bachat, Pehla AccountPehli Bachat, Pehla Account
UBL First is a savings account opened on behalf of a child in the
name of the father or mother or court-appointed guardian and the
minor.
FEATURES :
UBL First Account can be opened for any child aged between one day
and 18 years.
Account opening amount 100.
 Free Accidental Death & Disability Insurance coverage up to Rs.2.5
million (conditions apply) will be provided to father/mother/court-
appointed guardian..

25. UBL FOREIGN CURRENCY ACCOUNTSUBL FOREIGN CURRENCY ACCOUNTS
 Foreign currency, current or saving account and time deposits may
be established in US Dollars, Pound sterling, Euro and such other
currencies.
 Deposit and withdraw also in the same currencies.
SMALL BUSINESS SCHEMESMALL BUSINESS SCHEME
 Under the Small Business Scheme, UBL is providing loans on easy
terms to those who wish to set up their own small-scale
business, reducing unemployment situation.

26. UBL Net BankingUBL Net Banking
 UBL Net Banking is an online internet banking portal offering aUBL Net Banking is an online internet banking portal offering a
simple, convenient and secure method of accessing bank accountssimple, convenient and secure method of accessing bank accounts
on the internet.on the internet.
UBL e-statementUBL e-statement
 UBL e-statement facility which it easier for you to get yourUBL e-statement facility which it easier for you to get your
statement of accounts and automated transactional debit/creditstatement of accounts and automated transactional debit/credit
alerts right into you inbox.alerts right into you inbox.
HamrahHamrah
 UBL was a pioneers an introducing Rupee Travelers Cheque facility in Pakistan,UBL was a pioneers an introducing Rupee Travelers Cheque facility in Pakistan,
as early as 1971.as early as 1971.
 This facility for the valued customers by offering denomination up to RupeesThis facility for the valued customers by offering denomination up to Rupees
10,000.10,000.
 UBL has a 24 hours customer’s help-line, providing its customers.UBL has a 24 hours customer’s help-line, providing its customers.

27. THANKS

28. ANY QUESTION…?