Contents

CHAPTER 1 ................................................................................................................................... 5

INTRODUCTION TO REPORT.................................................................................................... 5

1.1 Introduction: ..................................................................................................................... 5

1.2 Study purpose: .................................................................................................................. 5

1.3 Study scope: ..................................................................................................................... 5

1.4 Limitation: ........................................................................................................................ 6

1.5 Methodology of study: ..................................................................................................... 6

CHAPTER 2 ................................................................................................................................... 7

INTRODUCTION TO UBL ........................................................................................................... 7

2.1. Organization structure of UBL:........................................................................................ 7

2.2. Organization nature: ......................................................................................................... 8

2.3. Vision: .............................................................................................................................. 9

2.4. Mission: ............................................................................................................................ 9

2.5. Objectives; ........................................................................................................................ 9

2.6. HR department: .............................................................................................................. 10

2.7. Finance department: ....................................................................................................... 10

2.8. Branch setup: .................................................................................................................. 11

2.9. Key management: ........................................................................................................... 12

2.10. Strength of staff: ......................................................................................................... 13

2.11. Financial Highlights: .................................................................................................. 14

2.12. Future Outlook:........................................................................................................... 15

CHAPTER # 3 .............................................................................................................................. 16

PRODUCTS AND SERVICES .................................................................................................... 16

3.1. Deposit products:............................................................................................................ 16

 3.1.1. Uni-flex account: .................................................................................................... 16

3.1.2. UBL uni-saver account: .......................................................................................... 16

3.1.3. UBL profit Certificates of deposits: ........................................................................ 16

3.1.4. PLS time/term deposits: .......................................................................................... 17

3.1.5. FC Deposits:............................................................................................................ 17

3.1.6. UBL E-transaction account: .................................................................................... 18

3.2. Loans& cards: ................................................................................................................ 18

3.2.1. United bank money: ................................................................................................ 18

3.2.2. United bank business line: ...................................................................................... 18

3.2.3. United bank cash line: ............................................................................................. 19

3.2.4. United bank drive:................................................................................................... 19

3.2.5. UBL address: .......................................................................................................... 19

3.2.6. United bank Pay Plus: ............................................................................................. 20

3.2.7. United bank credit card: .......................................................................................... 20

3.3. Agricultural products: .................................................................................................... 21

3.3.1. Loan for production: ............................................................................................... 21

3.3.2. Revolving credit: ........................................................................................................ 21

3.3.3. Demand finance: ..................................................................................................... 21

3.4. Loans for development: .................................................................................................. 22

3.4.1. Land development, equipments and machinery: .................................................... 22

3.4.2. Tractor & vehicle finance: ...................................................................................... 22

3.4.3. Loan for SME’s: ......................................................................................................... 22

3.4.4. NRP services: .......................................................................................................... 22

3.4.5. UBL Click N Remit: ............................................................................................... 22

3.4.6. Tez raftar: ................................................................................................................ 23

 3.5. Other services: ................................................................................................................ 23

3.5.1. United bank e-statement: ........................................................................................ 23

3.5.2. United bank wallet: ................................................................................................. 23

3.5.3. United bank “HAMRAH”: ..................................................................................... 24

3.5.4. United bank WIZ: ................................................................................................... 24

3.5.5. United bank online: ................................................................................................. 25

CHAPTER 4 ................................................................................................................................. 26

SWOT ANALYSIS ...................................................................................................................... 26

4.1. Strengths of UBL: .......................................................................................................... 26

4.2. Weaknesses of UBL: ...................................................................................................... 27

4.3. Opportunities to UBL: .................................................................................................... 27

4.4. Threats: ........................................................................................................................... 28

CHAPTER 5 ................................................................................................................................. 30

CONCLUSION AND RECOMMENDATION ............................................................................ 30

5.1. Conclusion:..................................................................................................................... 30

5.2. Recommendations: ......................................................................................................... 31

5.3. Department of deposits: ................................................................................................. 31

1. Procedures simplification: .............................................................................................. 31

2. No Duplication of Activities: ......................................................................................... 31

3. Incentives for Depositors: .............................................................................................. 32

4. Marketing integration approach: .................................................................................... 32

5. Performance appraisal: ................................................................................................... 32

5.4. Department of remittances: ............................................................................................ 32

1. Organizing the Department: ........................................................................................... 32

2. Moneygram centralized Services: .................................................................................. 33

5.5. Department of cash: ....................................................................................................... 33

1. Cash counter expansion:................................................................................................. 33

2. Timings increasing for Cash: ......................................................................................... 33

5.6. Department of bills clearing: .......................................................................................... 34

1. Development of career: .................................................................................................. 34

2. Rotation of job:............................................................................................................... 34

5.7. Department of advances: ................................................................................................ 34

1. Proper Documentation: .................................................................................................. 34

2. Record in computer: ....................................................................................................... 35

5.8. Other findings and recommendations; ........................................................................... 35

1. Development of Managerial Leadership: ....................................................................... 35

2. Tests for Promotions: ..................................................................................................... 35

3. Credit Management TRAINING:................................................................................... 35

4. Delegation of Powers: .................................................................................................... 36

5. R&D Department: .......................................................................................................... 36

6. Improvement in Technologies:....................................................................................... 36

7. Communication: ............................................................................................................. 36
 CHAPTER 1

INTRODUCTION TO REPORT

1.1 Introduction:

As part of the academic requirement for completing BBA (Marketing) Bachelor of Business
Administration, The students are required to undergo for two months of internship with an
organization. The internship is to serve the purpose of acquainting the students with the practice
of knowledge of the discipline of banking administration.

This report is properly evaluated on the basis of its description and analytical capabilities by
internal and external examiners. I did my internship in UBL branch Shinkiari.

1.2 Study purpose:

The purpose of this research is to work in real life situations and learn about banking by doing.
In relation to this, its objectives are as follows.

 To analyze operation of banking, i.e. business analysis, marketing analysis.

 To develop solid and realistic recommendations.

 How to write report on organization.

1.3 Study scope:

This report is limited to banking. Attempts to collect bank financial data and general statistics are
done with all restrictions. Looking at the purpose of this report aimed to get acquainted with the
realistic acts of the bank, this seems to be a comprehensive effort.
 1.4 Limitation:

It is to admit that the study tries only one of those aspects, which are very relevant for the
purpose of the study. The facts and figures, which might otherwise be equally important, but
which have no direct relation to the conclusions obtained in this study, have been ignored.

1.5 Methodology of study:

Both primary and secondary data were used in compilation of the report. Methodological tools
used were:

i. Primary Data:

 Personal Observations.
 Discussion with Bank Personnel.

ii. Secondary Data:

 Manuals of the bank.

 Annual Report

 Foreign Exchange Manual of SBP

 Bank internship reports on UBL available in library.

 Journals.

 Newspapers

 Books.

 www.ubl.com.pk
CHAPTER 2

INTRODUCTION TO UBL

2.1. Organization structure of UBL:

2.2. Organization nature:

United Bank Limited is a bank company engaged in commercial and retail banking as well as
domestic and overseas related services. UBL was established in 1959 by Agha Hassan Abadi,
today is one of the major banks in Pakistan for deposits and advance payments. The principal
business of the Group is the provision of commercial banking services and other financial services.
The Group provides personal banking services, cash management, retail loans and other financial
services.

These services include deposits, savings/current bank accounts, auto loans, personal loans, retail
trade financing, global banking services, key departments and small-scale sector loans, foreign
exchange and export financing, corporate loans and equipment loans.

In 1971, the Pakistani government nationalized it. In 2002, the Pakistani government sold it to the
Abu Dhabi Group and the Budweiser Group consortium in a public auction. Since its privatization,
the bank has successfully transformed and maintained a strong and strong performance in all its
major business sectors.

In 2002, it will merge its operations in the UK with the operations of the NBP to form the United
Nations Banking Corporation Limited, of which 55% will have the NBP will have the rest of the
funds.

The World Bank makes every effort to solve future problems by making a strategic plan and
maximizing the resource by the command. A professional team was appointed to reorganize banks
in mid-1999 and to begin granting rights. Management is also rationalizing the branch network
and identifying and recovering its suspicious and classified portfolios. It plans to make major
improvements to customer service and internal systems to increase efficiency. It also plans to
introduce innovative products. The bank is increasing resource mobilization through fixed deposit
activities and accelerating the process of recovering outstanding prepayments and bad assets.
2.3. Vision:

"Being a world class bank dedicated to excellence, and to expect the highest expectations of our
customers and all other stakeholders".

2.4. Mission:

Set the highest quality of industry for quality in all areas of operation, on an ongoing basis,
Optimize people, processes and technology to provide the best possible financial solutions to our
customers, Bringing the most required investment, Being recognized as an employer of choice.

2.5. Objectives;

The objectives means the end that the activity aims. An organization without a purpose is like a
person wandering without a purpose. All activities of the organization are based on its objectives
and goals. Various types of financial products and institutions are developed to achieve these goals.
UBL also has the following objectives.

 Ensure bank growth and development.

 Efficient use of bank resources.
 To generate more deposits.
 Participate in development of Pakistan.
 Pay special attention to the field under development.
 SME developments.
 Promote domestic industrialization.
 Provide farmers with financial support.
 Provide employment opportunities.
 Habit to make people a habit of salvation
2.6. HR department:

United bank is the place for you if you are ready to realize all your accomplishments in alignment
with the organization's holistic vision to grow and excel. The main asset is a dedicated and
qualified workforce in providing added value to business organization stakeholders.

The human resources department is responsible for attracting, selecting and recruiting suitable
candidates from the market. UBL prides itself on its highly professional, transparent and objective
recruitment and selection process.

After applying for eligibility criteria that meets the job level, a series of selection procedures are
applied prior to recruiting employees. Usually candidates go through exams, group discussions
and interviews. Interviews consist of internal and external professionals in related fields.

Advanced recruitment and selection tools, such as Oracle-based data management systems, have
introduced online applications and behavior-based interviewing techniques.

2.7. Finance department:

Responsible for bookkeeping and accounting, this department at headquarters prepares all
financial returns. The Division actively participates in market comparison analysis, bank budget
integration, monitoring and continuous review of various financial indicators.

The finance department is the pillar of all World Bank operations. The Division reports directly to
the President and President of the World Bank and has played an important role in the preparation
of the Bank's business plan and future strategy.
2.8. Branch setup:
2.9. Key management:

Names Positions

M.A. Mannaan Commercial bank director

Resha Mohyedin Capital market director

Baqir Muzafar IT director

Nouman Hossain Director operational

Ayaz Shammsi HR head

Aamir Karachiwal CFO

M. Ijaz ud din Audit& inspection head

2.10. Strength of staff:

Permanent 21,323

Contract basis 900

Staff strength 11,987

Outsourced 8,883

No.of employees 25,876

2.11. Financial Highlights:
2.12. Future Outlook:

The Bank continues to focus on investing in its core businesses in order to maintain a position of
leadership across large business parts. The Retail Bank would continue to increase the branch
network gaining market share across the sectors that have not been completed. For the corporate
business, product improvement through a model based on a targeted relationship would build non-
funding income and overcome the current challenge across interest margins. As economic
conditions improve, the recovery of non-performing loans remains a key priority and a huge
opportunity for the Bank.
 CHAPTER # 3

PRODUCTS AND SERVICES

3.1. Deposit products:

UBL has taken progressive steps and has introduced innovative products and services to provide
you a variety of banking and financing services.

3.1.1. Uni-flex account:

United bank has launched a new check account for small investors, traders and clients for small
and medium income groups. Now, they can provide incredible returns and value advantages, only
UBL Uni-Flex PLS can provide Savings Account.

3.1.2. UBL uni-saver account:

The UBL UniSaver account is an innovative way to service your banking needs. Whether it is
trade, business or personal finance, UBL UniSaver can provide you with maximum flexibility
while providing you with the best return.

 Markup rates are attractive.

 Profit is calculated on the average monthly balance.
 Payment of profit is on semi-annually basis.
 Profit payment is the basis of six months.
 Maximum balance maximum return.

3.1.3. UBL profit Certificates of deposits:

Customers can earn more revenue by investing in UBL COD. UBL Profit can help them earn extra
income with their hard-earned money while providing absolute trust and security.
 Profit payment are of two types:

 On maturity profit payment.

 Profit payment on monthly basis.

3.1.4. PLS time/term deposits:

UBL's fixed deposit receipts are a wise choice if customers want to make long-term
secured/guaranteed investments.

 UBL time deposit provide an attractive interest rates.

 Profit is transferred to client account on semi-annually basis.
 Clients have the flexibility to choose from a wide range of terms.
 Customers can enjoy flip or renewal options at any time before redeeming.
 Customers can redeem TDR at any time before expiration.

3.1.5. FC Deposits:

UBL provides the best interest rates on FC deposits in the market. Accounts can be opened in
designated branches in US Dollars, British Pounds, Euros, and Yen. All Pakistani citizens residing
in Pakistan and outside Pakistan can also open a Foreign Currency Account. Companies and
permanent companies including investment banks can open accounts. Time deposits denominated
in foreign currencies are provided for the following maturities at a variable rate of return:

 90 days.
 180 days.
 12 months

The customer does not have cash processing (cash deposit and cash withdrawal) fees. Zakat
exempts these TDR’s. Scroll or update TDR's flexible options when redeeming. The special return
rates on $500,000 and above.
3.1.6. UBL E-transaction account:

When it comes to electronic financial services www.ubl.com.pk is Pakistan’s favorite Internet

destination and why not! With years of experience in innovation United Bank offers a wide
spectrum of world-class of electronic services and banking products for trailblazers like you.

Save up to Rs. 2400/- with your e- transaction Package which includes:

 A branch account has all the features of an existing account (including a cheque book,
ATM Card / Visa debit card, etc.).

3.2. Loans& cards:

3.2.1. United bank money:

UBL Money, Personal deposit loans from UBL manage financial requirements and provide the
power, control, convenience, flexibility to realize your dreams.

 UBL Money is a fixed installment loan. It will provide you access to funds starting with
Up to 100k / - to R. 10,000k / - without collateral.
 UBL Money can flexibly manage your monthly instalments based on your source of
income.
 You can select any tenor from 1 to 5 years within 12 months

3.2.2. United bank business line:

The UBL Business line is a running financial institution that not only provides funding for growth,
but also enables you to take advantage of profitable opportunities.

“It is a credit line / OD facility for residential real estate, an evergreen tree credit line that customers
can use for business development.
3.2.3. United bank cash line:

United bank cash line is a flexible loan that provides cash of 100k rupees without security
requirements. It gives you authority to dominate your finances. The UBL cash line is aimed at
making your life easier. Are you a salary individual or businessman?

Cashline provides you:

 Self-employed businessman / professional from 21 years old to 65 years old, with monthly
net take housing income being Rs. 45k.

3.2.4. United bank drive:

UBL Drive allows you to drive in your own car, paying only 15% down payment and paying in
the lowest monthly installments. With UBL Drive, you can buy your favorite used car at the most
affordable price (up to 5 years). UBL Drive is not just a car loan. It is a financing tool that can
provide cash for your car. You can get up to 75% of car value.

3.2.5. UBL address:

United bank Address enables you to be the proud owner of your family by offering a variety of
flexible and affordable products and pricing options. So choose the best product options and
pricing to meet your needs. All product options are amortized over a range of 3 to 20 years.

Criteria of eligibility:

 25,000 Rupees income minimum per month.

 18-60 years age limit.
 Pakistani citizen.
 100,000 Rupees minimum loan limit.
 Minimum loan size: Rs. 500,000.
 Interest Rates:

Salaried

KIBOR + 4% = interest Rates.

3.2.6. United bank Pay Plus:

If you are employee of a United bank (government, semi-government, multinational corporation

or local business entity/private/public limited company), then UBL Pay Plus (a loan for salary) is
the best product for you. With UBL Pay Plus, you can now easily get a loan based on your salary
level.

Eligibility Criteria:

 United bank permanent employ.

 The maximum loan amount is up to 20 salaries or PKR 700k.
 The installment amount should not exceed 40% of Net Take Home Salary.
 Repay through yearly instalments of 1, 2, 3, 4, 5.
 Maximum age must be 50 at the payment date.

3.2.7. United bank credit card:

The united bank credit card has the following facilities:

 UBL credit cards provide up to four free supplementary cards to share with people who
love the value, excitement and benefits of UBL credit cards.
 Customers can now withdraw their cash from any UBL card payment branch in the country
with instant prepaid cash on their UBL credit card, as well as more than 200,000 ATMs
worldwide and financial institutions displaying VISA / PLUS logos worldwide.
 Each time a UBL card member purchases a ticket, train or bus ticket using a UBL credit
card, it automatically responds to any accidents that may occur during the trip.
 The coverage amounts are:

1. Cash Card: 200 lac

2. Platinum Card: 800 lac

3.3. Agricultural products:

3.3.1. Loan for production:

Major and minor crops can be financed in Pakistan. The main purpose of financing is to facilitate
farmers to purchase agricultural inputs such as seeds, fertilizers, pesticides, sprayers, and wage
labor.

3.3.2. Revolving credit:

 The loan period is 36 months.

 One time documentation.
 Farmers choose quotas according to their needs.
 The markup rate is charged based on the amount used or withdrawn.
 50k rupees minimum amount.
 The maximum amount is based on the requirements of farmers.

3.3.3. Demand finance:

 Loan period is 3-12 months.

 1.5 years for sugarcane.
 Lump sum distribution for a certain period of time
 25,000 rupees floor amount.
 Repayment on expiry bullet loans (principal and markup)
 Minimum Amount PKR 30,000.
3.4. Loans for development:

3.4.1. Land development, equipments and machinery:

Financing for land development, waterway improvements, tubewells, lift pumps, deep-water
turbine pumps, cotton pickers, harvesters, threshers, etc.

3.4.2. Tractor & vehicle finance:

Purchase of tractors, delivery vans, mini trucks, motorcycles and other vehicles used to sell Agri
products Loan tenure: 1-3 years for motorcycles, 1-7 years for tractors, years for other four-
wheelers 5 years.

3.4.3. Loan for SME’s:

Under the small business scheme, UBL easily provides loans to those who want to establish small
business. This scheme aims at reducing unemployment and expanding prosperity. More people
start their own business, they will move steadily toward economic independence.

3.4.4. NRP services:

UBL has taken progressive steps and has introduced innovative products and services to provide
customers a variety of banking and financing services.

3.4.5. UBL Click N Remit:

UBL is pleased to offer a way to remit money to anyone in Pakistan with fast, secure, affordable
and inexpensive way. The entire transaction is completed online, just by clicking the mouse several
times, your money will reach the recipient of your choice. You do not have to go to the bank to
use this service. You can pay money just by clicking UBL Click N Remit.
 3.4.6. Tez raftar:

Free door step remittance UBL provides the most efficient and price competitive service from the
country or overseas. Customers with a large branch network are ready to provide customer service
at customer door steps.

UBL's new money transfer service Tez Raftar provides the fastest and most convenient deliveries
to Pakistani beneficiaries for all Pakistani overseas. Most importantly, Tez Raftar is completely
free and can be provided at all UBL branches of the World Bank network in the Middle East,
United Kingdom and the United States.

3.5. Other services:

3.5.1. United bank e-statement:

United bank introduced the UBL e-statement facility. This allows customers to easily capture your
account statements and automatic debit / credit alerts in your inbox. This is available to all rupees
and FC account holders.

E-statement facilities:

 No charges.
 It can be accessed when you need it.
 Secured.

3.5.2. United bank wallet:

UBL provides ATM and debit card tools for all account holders of all UBL branches anywhere in
Pakistan, whether their branches are online or offline.
 UBL Wallet VISA ATM and Platinum card has the whole comfort and security account holder's
longing and the quality they merit. This Wallet holds all the trade out client's financial balance.
UBL Wallet VISA additionally gives the office of having up to 9 supplementary cards issued
against one essential card. Every supplementary cardholder will have the capacity to direct
ATM/Charge exchanges inside the breaking points of the essential card account.

UBL as of now has its own system of 336 ATMs in 83 urban areas, which keeps on extending
constantly. Also, UBL Wallet is currently part of the 1 Connection and VISA systems. These
permit account holders to utilize their UBL Wallet VISA crosswise over Pakistan at in excess of
925 ATMs showing the 1 Connection logos and at in excess of 1 Million ATMs in 150 nations. It
is likewise worthy on the MNET system of ATMs in Pakistan. UBL Wallet VISA Card will
likewise be satisfactory on all neighborhood VISA guaranteed machines showing the VISA in
addition to sign.

3.5.3. United bank “HAMRAH”:

UBL has always been at the forefront to identify and satisfy valuable customer financial needs.
UBL was a pioneer introducing the Rupee Travelers cheque facility in Pakistan in 1971. While
inheriting the same tradition, UBL in the form of "Hamrah" Rupee Travelers Check, to Rs. 10k.

3.5.4. United bank WIZ:

UBL Wiz is the first prepaid VISA debit card in Pakistan's history, providing convenience, security
and benefits for ATMs and debit cards locally and internationally. More than just an ATM card,
you can use the UBL Wiz VISA card anywhere. Whether you are using it online, paying for petrol,
shopping or dining, you can get your money directly from your prepaid card without having to
visit the bank.

UBL net managing an account is a Web Keeping money entrance offering a straightforward,
helpful and secure strategy for getting to financial balances on the Web.
 Utilizing UBL net managing an account, the clients approach their ledgers 24 hours per day, 7
days a week and can watch out for their record adjusts, print account explanations, pay charges,
exchange reserves, track buys and plan their repeating installments at the pinch of a catch and
significantly more. Imperative highlights and advantages of this administration are:

 Continuous record adjust and synopsis.

 Deal with various records.
 Get altered alarms.
 Exchange subsidizes between client's records.
 Pay bills on the web (Just PTCL and Cell Administrations Bills).
 Send cash to anybody utilizing the new PC-to-Individual office.

3.5.5. United bank online:

This service is only available to UBL's corporate customers. Features of services are following:

 7/24 banking statement.

 A/c statements.
 Electronic data interchange.
 CHAPTER 4

SWOT ANALYSIS

4.1. Strengths of UBL:

 In terms of deposits, the third largest bank in Pakistan.

 The second largest private bank in Pakistan.
 UBL provides customized products and services that are positively superior to its
competitors.
 Improve operational efficiency.
 Well-mannered customer service and fast delivery of online and offline services.
 The bank's wonderful image and reputation in the eyes of customers.
 Network of branches are extensive.
 Effective product positioning.
 UBL targets segments like payroll, business people and self-employed people.
 UBL product positioning affects people’s lifestyles because they help improve living
standards. 1100 branches throughout Pakistan.
 Stand in list of profitable banks in the stock market.
 The largest number of corporate transactions in any bank is Pakistan.
 International branches.
 Attractive pay and employee rewards.
 UBL personnel are well trained. Most employees have many years of banking experience
and are bank assets.
4.2. Weaknesses of UBL:

 Without the standardization of branches, some branches are very attractive. Most branches
are not as good as other branches.
 UBL in urban areas are not as good as other privatized banks.
 Application time is also quite long.
 Compared with other banks, UBL is a step backward in using new technologies.
 All branches need customer trading directions.
 Most employees are overburdened with work and promotions are not timely.
 Most employees are experienced, they cannot handle customers well, adopt a new culture,
and most importantly, they cannot use new technologies such as computers.
 There is no separate training center to train their staff.
 Employees are not well dressed.
 No diversification of workforce.
 Workforce is not diverse
 Most branch office security systems do not meet standards.

4.3. Opportunities to UBL:

 Banks can expand their networks in other Pakistani cities like the other four remote cities,
which will increase their sales.
 Appropriate positioning of all branch employees can help them deal with foreign banks.
 Introduce new technologies and modern business processes to bring change and increase
profitability.
 Call center services should be improved to enhance their network
4.4. Threats:

 Large and increasing competition

 High operating costs
 Lack of huge deposits
 Staff low moral
 Interference in bank affairs by politicians.
 No. of new branches increases in local and international market

 Low return rate.

 Lack of proper marketing.

 Less staff efforts.

 Favoritism.
 CHAPTER 5

CONCLUSION AND RECOMMENDATION

5.1. Conclusion:

United Bank Limited is one of the largest Commercial Bank in Pakistan. UBL has a growing
presence in the international market through 17 branches in various foreign countries, with
significant activity in Middle Eastern markets, particularly in United Arab Emirates and the
Kingdom of Bahrain. Additional branches in the Arabian region will be established during the
ongoing year.

UBL’s disbursement of funds increased by dividends in FY17. With healthy reserves and retained
earnings, UBL’s total net assets (after adjusting for final cash dividends) increased to (FY17: Rs.
38.87b (FY16: Rs 30.7b). The bank deposit base increased by approximately 20% to Rs. 445.2b
(fiscal year 2016: 369.3b), as of December 31, 2017, has increased substantially through time
deposit plans.

In 2017, the amount of deposits further increased. Due to the increase in UBL's international
business volume, approximately 27% of the total deposit base came from overseas branches and
grew by nearly 48% in FY16. Increase in interest rates on bank books, resulting in significant
widening of spreads (FY17: 6.5%; FY16: 5.2%) and boosting interest income to new heights.
Profitability is also supported by increased income and income-based commissions. Profitability
in 2017 (30.7b) increased by 30% compared to 2016 (10.8b). The net advances has increased to
Rs. 400.8b (FY16: 300.3b). Both corporate and consumer loans contributed to the growth achieved
in FY17. The bank’s consumer portfolio is one of the largest consumer groups in the industry.
About 88.8b (FY17: 48.3 b), of which automotive products have gained significant market share.
Overseas business also contributed to this growth. Although the increase in overseas business has
a risky return on the increase in geographical diversity, the bank has already taken considerable
risk exposure.
Total asset size of UBL increased by 30% to Rs. 7,002b as of December 31, 2017 from Rs. 500.3b
at the end of last year. In the coming years, banks will be able to maintain strong profitability ratios
with continued growth in lending and continued investment in high consumer lending. All this
shows the good and rapid growth of this world-class bank.

5.2. Recommendations:

Recommendations are based on the previous sections of the report and are suggestions that the
analyst feels need to be made to further improve the position of the company in the financial world.
This is so based on the findings and omissions recorded in an organization while working with it
and then writing about it. Seek the opinions of various capable people who, through their real life
experiences and deep insights, can better judge whether the action course taken by the organization
will prove to be fruitful, or whether it needs to be further in the form of its strategic changes.

The following are the recommendations of the various departments required to consult UBL
Branch Shinkiari staff.

5.3. Department of deposits:

Comparative analysis shows that UBL has the lowest share of deposits in the entire market. Since
deposits are the lifeblood of banks, they should attract more customers and expand the deposit
base in the following ways.

1. Procedures simplification:

Account opening procedures should be simplified. Account opening templates should be self-
explanatory and include Urdu translations for customers who are not well-read, as practically
impossible to ignore but many people do not understand English well.

2. No Duplication of Activities:

Once you complete the account opening form, there is no reason to submit a written application
for opening an account because it not only wastes the customer's time and is time-consuming, it
also makes the application lengthy.
 3. Incentives for Depositors:

Those who deposit large amounts of money or are old customers of the bank should receive a
certain amount of free quota. In addition, market trends should provide financial advice to
customers before seeking change.

4. Marketing integration approach:

All deposit department officials should be involved in marketing, not just opening accounts and
maintaining records. This can be accomplished by improving their skills in personnel relations and
applying Uni-Service concepts to access potential customers in their offices and homes.

5. Performance appraisal:

UBL should strictly adhere to performance evaluation policies and reward those who bring in
deposits and help them increase market share. Unfortunately, this has been stated in the bank's
policy, but it has not yet been implemented.

5.4. Department of remittances:

The branch remittance department is divided into inland remittances and foreign remittances.
These are handled by separate officials and involve the use of specific fixations and procedures.
Make the following suggestions for this very important bank.

1. Organizing the Department:

The department spreads throughout the bank without a specific person or desk. Normally, drafts
and wire transfers are made at the cash counter, which makes other customers more time and effort.
Senior officers separated from other officials who are engaged in inland remittance transactions
will process the foreign remittance. It would be better for them to sit together so that they can
benefit from his experience.
 2. Moneygram centralized Services:

Customers who receive funds from foreign countries have to wait a considerable amount of time
to obtain money, as the branch sends the application by fax to the municipality to see if the amount
has been deposited in the shinkiari. Whether it's a branch or not. This review takes time and there
is always a fear that the bank will lose the goodwill if the delay is prolonged. Therefore, the service
is decentralized and the hub branch has the authority to check the amount directly.

5.5. Department of cash:

The cash department makes the following recommendations.

1. Cash counter expansion:

The cash department of the branch requires special attention in the sense that the cash counter is
small and the number of customers attending will be crowded if it is more than 5 to 6 people.
Customers purchase drafts and other goods from very similar counters where public utilities are
collected, cash is deposited and withdrawn. Thus, if a new counter can not be built due to certain
limitations, utility bills must be collected through the window so that legitimate customers will not
encounter problems.

2. Timings increasing for Cash:

In order for banks to progress and compete with others in the market, the time for receipt and
withdrawal of cash should be extended. Customers are particularly confronted with difficulties as
they come from a remote location and the cash counters are closed for daily transactions.
5.6. Department of bills clearing:

The problems described in this section in mind, the following proposals have been made.

1. Development of career:

It has been pointed out that officials who charge settlement fees do not have much to do with the
bank's other business, and therefore maintain the same position throughout the banking career.
This violates the organization's modern policies and provides employees with favorable,
beneficial, and equal opportunities so that they can thrive. Therefore, the head office's human
resources department should develop a plan that shows the future development potential of
employees based on job performance and assessment, and announce it to everyone.

2. Rotation of job:

There should be staff rotations, especially in this sector, because people think there are far fewer
employees than others. This will enhance their ability and help them break the monotony and make
them find their work more interesting.

5.7. Department of advances:

There are certain deficiencies in the processing of loan applications and applications observed by
branch offices. The findings and recommendations are as follows:

1. Proper Documentation:

If valid documents are not obtained before authorizing the loan limit, it will be irreversible in case
of obligor default. It is pointed out that related officers may be obliged by customers by submitting
the documents at a later time and approving the limit by receiving payment approval certificate
from the credit committee. It shows that it consumes time and resources to follow the borrower to
capture the document later. Therefore, an accurate and complete document must be obtained before
the monetary amount is approved, and remission is not indicated in any case.
 2. Record in computer:

All punished cases should be documented on the computer because it is easy to access and does
not involve the trouble of maintaining and retrieving large and old files. To this end, training
programs should be organized for relationship managers so that they have basic computer
knowledge. Through these, they can also assess the financial status of future borrowers within
minutes using relevant financial software.

5.8. Other findings and recommendations;

1. Development of Managerial Leadership:

Good management skills make positive contributions to improving effective results. UBL should
focus on using modern management methods to effectively use its human resources. This can only
be achieved if political intervention is hindered, especially when recruiting and resettling
personnel. Recruitment policy changes to give priority to B.B.A. and B. Com. students.

2. Tests for Promotions:

A sizeable portion of the officers at UBL is promoted without conducting any tests and
interviews. This results in undeserving people sitting on the managerial posts and steering
the organization away from its goals and objectives in the long run.

3. Credit Management TRAINING:

Special training in credit management should be provided to staff engaged in bank financing
activities. This is very important given the current loan defaults in the economy.
 4. Delegation of Powers:

Delegating power to department heads as much as possible will minimize the workload of
managers and they will be able to take quick remedial measures when necessary to achieve good
performance. In addition, free time will be used to deal with more important things.

5. R&D Department:

UBL's R&D department will help them adopt new procedures and modern technologies, which
will help banks compete with other banks. R&DD should be maintained at all pivotal branches to
determine the target market for the bank in that particular region, and through its findings,
measures to improve the performance of the branch.

6. Improvement in Technologies:

Technology plays an important role in this respect. The body can not stop the process of
innovation. This process is not limited to a specific branch or area. This is also happening in the
field of science and technology. Computers are the result of such activities. The application of
computers in the banking field is no longer novelty. For this purpose, if a separate search wing is
established, it will bring great benefits to the bank. This wing is to exaggerate the new technology
that banks can adopt.

7. Communication:

Communication in any organization is an inevitable requirement. But reliable, rapid, and workable
communication is crucial for banks. All banking business is very dependent on internal and
external communications. Any interference with the free flow of information will have serious
consequences. So in order to avoid this situation, we need to maintain more rapid information
flow. This will help management to take action when appropriate and will also have a positive
impact on customer service. Therefore, for written or verbal communication, 7C’s needs to be
considered in the bank.