2. SWOT Analysis
Slides By Rana Usman Sattar
Student Of BBA(Hons)
PMAS Arid Agriculture University Rawalpindi
Gmail: ranaa.usman@gmail
Facebook: usman.shan86@yahoo.com
25 December 2012
Bank visited: UBL
Manager name: Sohrab Basher

3. A technique that enables a group or individual
to move from everyday problems and traditional
strategies to a fresh perspective.

4. S – Strengths
Internal Environment
W – Weaknesses
O – Opportunities
T – Threats External Environment

5. Any existing or potential resources or capability
within the organization that provides a competitive
advantage in the market.
Example:
• Strong distribution network
• Intense Staff commitment and loyalty
• Increasing profit margin
Activity #1: Can you identify some of your
organisation’s strengths?

6. Any existing or potential force which could serve as a
barrier to maintaining or achieving a competitive
advantage in the market.
Example:
• Lack of a clear company strategy
• Lack of training opportunities for using a new software
Activity #2: Can you think of some of your
company’s weaknesses?

7. Any existing or potential force in the external
environment that, if properly leveraged, could provide
a competitive advantage.
Example:
• Organisation’s geographic location
• New technology
Activity #3: Can you think of some opportunities
available to your company?

8. Any existing or potential force in the external
environment that could erode a competitive
advantage.
Example:
• A new competitor entrant
• A recession, rising interest rates, or tight credit lines
Activity #4: Can you think of some threats to your
business?

9. 1. Take advantage of strengths and opportunities.
2. Minimize weaknesses and eliminate threats

10. A Company
 When revenue, cost and expense targets are not
being achieved;
 Market share is dropping;
 Industry conditions are unfavorable;
 Want to launch a new business venture; etc.

11. A Department/Business Unit
 When the team has not met its targets;
 Customer service can be better;
 A new business unit to pursue a new business;
 A new team leader is appointed; etc

12. Job Holder
 When supervisor has issues with work output;
 Assigned to a new job;
 New financial year – fresh targets;
 Job holder seeks to improve performance on the job; etc.

13. Step 1 Step 2 Step 3
Analyse Internal Perform SWOT
Prepare
& External Analysis and
Action Plans
Environment Document
A SWOT analysis is useful only when
action plans and strategies are developed
from the results

14.  Solving problems
 Implementing change
 Developing strategies for achieving the
organization's objectives and mission

15. SWOT analysis will be useful if:
 You are thinking outside the box
 Availability of varied perspectives – group discussion
 Liberty to say your mind
 Willingness to break away from traditional methods
 Appetite for change

16.  UBL Introduction
 United Bank Limited was established on November 7,
1959 and incorporated as a Public Limited Company
under Companies Act 1913 with authorized capital
of Rs.20 million and Paid-up capital of Rs.10 million. In its
very first year, it mobilized deposits of Rs.70 million and
earned a profit of Rs.O.7 million. It continued to grow
rapidly and soon became one of the largest banks in the
country. The main reasons for its exemplary growth
were the introduction, in many instances for the first time
in Pakistan, of professional management,
computers, economic and business research, latest man
agerial practices and customer orientation

17.  The Bank is currently operating 1056 Branches
Domestically and 15 Branches Overseas(USA, Qatar, UAE,
Bahrain and Republic of Yemen). UBL hold 51% of its total
shares other 49% shares are owned by Government. After
the privatization of banking sector in Pakistan UBL
implemented its strategies to achieve the comparative
advantage in the Market place . UBL due to its innovative
corporate culture wins their customer trust. UBL is running
four websites to provide information and customer services
which are:
 www.ubl.com.pk
 www.ublonline.com
 www.ublfunds.com
 www.ublinsurers.com

18.  3rd largest Bank of Pakistan in term of deposits.
 2nd largest Privatized Bank of Pakistan.
 UBL offering Customized Products and services.
aggressively better then its competitors.
 Improved operational efficiency as to its past.
 Humble Customer service and fast delivery of online and
offline services.
 Marvelous Image and Reputation of the bank in the eyes
of its customers.
 Extensive Branch network.
 UBL Product positioning is very effective.

19.  UBL target the segment like salaried person, business
people and self employed person.
 UBL product positioning affect the life style of the people
as they help in improving standard of living.
 1056 Branches all over Pakistan.
 Stands in the list of Profitable bank in stock exchange.
 Largest number of corporate deals by any bank is
Pakistan.
 Overseas Branches.
 Attractive Salaries and incentives for employees.
 Personnel of UBL are very well trained.
 Majority of employees have many years of experience in
banking sector and are an asset for the bank.

20.  No standardization in terms of branches some of the branches are
very attractive and most of the branches are not very good like other
branches.
 In some regions, urban areas of Pakistan service of UBL is not good
as compared to other privatized banks.
 The application time is also quite lengthy.
 UBL is a step behind in using new technology as compared to other
banks.
 All branches need orientation for customer dealing.
 Most of the employees are overload with the work and promotion is
also not timely.
 Most of employees are experienced and they are not able to deal.
customers well, adopt new culture and above all they are unable to
use of new technology like computers.

21.  No separate training center to train their employees
 Employees are not well dressed
 Workforce is not diverse
 Security system in most of the branches is not up to the mark.

22.  Bank can extend its network in other cities of Pakistan like other 4
remote cities, it would increase their sales.
 Proper orientation of employees in all branches can help them to
cope up with foreign banks.
 By bringing new technology and modern business processes will
bring the change and increase their profitability.
 Call center services should be improved to enhance their network.
 Online system all
 Internet banking
 Have different plains for costumers
 Mobile banking

23.  Large and increasing competition.
 High operating costs.
 Lack of huge deposits.