porter five forces for ubl bank

Group Members Waqas Ahmad

Rashid Saleem

Faheem Khan

Saddam Hussain

PROJECT ON: UNITED BANK LIMITED PAKISTAN

Introduction United Bank Limited, one of the largest private banks in the country has been

awarded an Islamic Banking Branch license by the State Bank of Pakistan on December 16, 2006 AD

UBL has a network of more then 1000 branches and 3.5 million customers

Its 15 branches outside the country are in the United States of America, Qatar, UAE, Bahrain, and Republic of Yemen.

Histroy November 7th 1959

In june 1960 it has 6 branches

Karachi

Dacca

Lahore

Lyallpur

Chittagong and Narayanganj

1963, UBL became the first bank in Pakistan to have a branch overseas

In 1967 UBL introduce the computer banking in Pakistan

1971 UBL introduce 3 online branches in karachi

Vision To be a world class bank dedicated to excellence, and to surpass the

highest expectations of our customers and all other stakeholders

They value our people as our greatest asset .

They believe in hiring bright, talented, highly motivated and driven individuals across their businesses and geographies.

They look forward to a bright future and the best among you have a unique opportunity to be part of it.

Mission Set the highest industry standard for quality, across all

areas of operation, on a sustained basis.

Optimize people, processes and technology to deliver the best possible financial solution to our customers.

Become the most sought after investment.

Be recognized as the employer of choice

Last five years major Changes:

2013 UBL network grows to over 1,300 branches nationwide .

2012 UBL launches Go-Green initiative offering SMS Alerts for account transactions.

•2011 UBL launches Platinum Credit Card. This card is designed to complement your

lifestyle with credit limits befitting your stature, accompanied by the highest levels of services, unmatched rewards and myriad benefits.

And it changes branch to branch to centralize.

Last five years major innovation

2013 UBL, Indus Motor Company (IMC) and UBL Insurer enter into an alliance offering

2012 an exclusive financing deal on all Toyota cars.

2012 Launch of UBL Airport Lounges in Domestic and international departure terminals

2012 UBL launches Go-Green initiative offering SMS Alerts for account transactions.

2011 UBL Priority Banking launches five new lounges nationwide at Rawalpindi,

2011 Launch of UBL Mega Wallet VISA Debit Card on October 4, 2011 at Jinnah International Airport Karachi

2011 UBL launches Silah Mila. Through this campaign, UBL acknowledges and rewards customers who have shown excellent performance in their loan repayments with other banks.

2011 UBL launches Platinum Credit Card. This card is designed to complement your lifestyle with credit limits befitting your stature, accompanied by the highest levels of services, unmatched rewards and myriad benefits.

UBL launches another product under the umbrella of Tezraftaar - UBL Tezraftaar

2010 Launch of UBL Wiz ACCA Card 2010 UBL Launches Pakistan's First Premium Debit Card in Collaboration with

Last five years ACHIEVEMENTS UBL OMNI - GSMA Global Mobile Award 2012 for “Best

Use of Mobile in Emergency or Humanitarian Situations” Feb 2012

UBL OMNI - Financial Insights Innovation Award (FIA) for “Innovation in Cash Disbursements (G2P)” Feb 2012

Best Credit Card Provider - Consumers Choice Awards 2011 - February 22, 2012 by The Consumers Association of Pakistan

Best Corporate Report Award 2010 – Joint Committee of ICAP & ICMAP.

Top Bank Partner in 2011 – EFU life.

Profit and sales UBL profits grew by an impressive 49% during January to march 2012. Bank has posted net profit of rs 4.87 billion in the first quarter of 2012

against rs 3.27 billion posted in the same period last. Net interest income core area of earnings grew marginally by 5% of rs

9.6 billion despite contracting margins. The Bank support of directors in its meeting held in Abu Dabi and

UAE also declared an interim cash dividend of re1 per ordinary shares of RS10.Gross advances have increased by 9% over December 11 reaches to Rs 400 Billion. Return on assets improved by 2.1% for the full year 2011 and return on equity increased from 23.7% for 2011 and 25.7 % for the ninth month of 2012. BOD declared the 22% dividend profit to the shareholders.

Declaration of Rates of Profits on PLS TermRates in 2003 after Privatization

Period Profit Rate

3 months 2.90%

5 Years 3.90%

Theory Bureaucracy:

Bureaucracy is a particular type of administrative structure developed through rational-legal authority.

Weber stressed that the rational-legal form was the most stable of systems for both superiors and subordinates -- it’s more reliable and clear.

Max Weber, a bureaucracy always displays thefollowing characteristics:

Hierarchy

At the top of the organization is a chief who oversees the

entire bureaucracy. Power flows downward.

Specialization:

Bureaucrats specialize in one area of the

issue their agency covers.

Division of labor:

Each task is broken down into smaller tasks, a

different people work on different parts of the

tasks.

Uses

Schools, hospitals, courts of law, libraries, universities, industrial firms, parliament, all need rules and all need bureaucracy.

So bureaucracy is one of the great tools of civilization.

Increased efficiency can lead to better medical care, better traffic control, a better economy, and all sorts of benefits which make life run smoothly.

Criticism

A fundamental failure of bureaucracy was its tendency to foster ‘goal displacement’.

Highly bureaucratic organizations were resistant to change. A prevailing atmosphere of Hierarchy, control, efficiency and predictability meant that organizational members favored self-continuity and felt threatened by change.

Corporate social responsibility CSR is a process to achieve sustainable development in

societies.it is also called that A company’s sense responsibility towards the community and environment (both ecological and social) in which it operates .

Sustainable development

"Sustainable development is development that meets the needs of the present without compromising the ability of future generations to meet their own needs.

Community development Do something good for the community

CSR statement

In 2013, UBL has contributed a total of Rs 41.3 million to worthy causes as part of its CSR initiatives.

One of the worthy new recipients was Bazm-e-Kiran, an NGO focused towards community welfare and the

rehabilitation of juvenile delinquents. Through a donation for a Triple Merger Center in Azad Kashmir, the

bank continued to support the Marie Adelaide Leprosy Center which provides free treatment for leprosy

and related ailments across Pakistan.

CSR ACTIVITIES

UBL's CSR activities have focused on multiple sectors, which include but are not limited to:

Education

Healthcare

Community Welfare

Sports

CSR ACTIONSEducation

Forman Christian College

The Citizens Foundation

Old Association of Kinnaird Society (OAKS)

SOS Children's Village

Sindh Welfare Association for Deaf

Children Welfare School

Health

Gulab Devi Hospital

Cardiovascular Foundation

Memo Medical Institute

Community Welfare

Sindh Welfare Association for Deaf

Buksh Foundation

Hisaar Foundation

Organizational Structure

DEPARTMENTS

Remittance department

Clearing house department

Account opening department

Cash department

Deposit department

Advance department

Computer department

Accounts department

Pension disbursement department

Department HeadsSheikh Nahayan Mabarak Al Nahayan Chairman Sir Mohammed Anwar Pervez Deputy Chairman Mr. Atif R. Bokhari President & CEO Mr. Omar Ziad Jaafar Al Askari Director Mr. Zameer Mohammed Choudrey Director Mr. Amin Uddin Director Mr. Arshad Ahmad Mir Director Mr. Rana Assad Amin Director

Crisis Financial

IT problems

Problem in security

Purchase process UBL should have a strong marketing department like

many other private banks have, for the publicity of their products and make well inform the customers all the services provided by the bank and to conduct detailed market researches to find out new opportunities, needs of the customers and make comprehensive plans to capitalize those opportunities