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United Bank Limited

Submitted to:
Mam. Summawia

Submitted by:
Faisal Iqbal Bhatti Ishfaq Chohan Amna Ayesha Hira

Roll num & class:


5608 B.B.A 6th

University of Education Lahore, Multan Campus

ACKNOWLEDGMENT
All praises belong to almighty Allah who the supreme authority knows the ultimate relation underlying all sorts of phenomenon going on in this universe & whose blessing & exaltation flourished my thought & thrived our ambitions to have the cherished fruit of my modest efforts my humblest thanks to the Holy Prophet Hazard Muhammad (PBUH) who is forever a torch of guidance & knowledge for humanity as a whole. We deem it our utmost pleasure to avail this opportunity to express gratitude & deep sense of obligation to our revered teachers for their valuable and dexterous guidance, untiring help, compassionate attitude, kind behavior, moral support and enlightened supervision during this whole project. Finally, we would like to extend hurtful thanks to our adoring parents and friends for their day and night prayers sacrifices and encouragement, moral and financial support throughout the course of my study. May all of them live long and enjoy a happy life.

Dedication
To our Parents and loving teachers.

Table of contents
Sr. N0
1 1.1 1.2 2 3 3.1 3.2 3.3 3.4 3.5 3.6 3.7 3.8 3.9 3.10 3.11 3.12 3.13 4 5 5.1 5.2 5.3 5.4 6 7 7.1 7.2 7.3 8 8.1 8.2 8.3 8.4 8 8.1 Introduction Vission Mission Branch: 0165- Kutchery RD MUX Deposit Products UBL Business Partner UBL Business PartnerPlus Rupee Transactional A/c UBL Uniflex UBL Unisaver COD Foreign Currency Savings Foreign Currency Term Deposit Reciept UBL FCY Uniflex Regular Term Deposit Reciepts Special Notice Deposit Reciepts UBL Basic Banking A/C UBL First Minor Savings A/C UBL AMEEN Consumer Loans UBL Address Home Loan Facility UBL Busines Line UBL Drive UBL Silah Mila Corporate Banking Card Products UBL Wiz UBL Mega Wallet UBL Mega Wallet Your Debit Card Other Functions Virtual Assistant SMS Alert Balance Enquiry Net Banking Retail Asset Products Agriculture Products

Topic

Page
4 4 4 4 6 6 6 7 8 9 11 11 12 12 12 15 16 17 18 19 19 19 23 24 26 27 28 28 28 30 30 30 30 30 29 31

Introduction of Organization History of the Bank


The bank has the great history of excellence in the banking sector for more than five decades. It came into being in 1959 and first branch launched in Chandighar. The banking history is full of success and innovations. UBL always gone step by step with the information and technology and introduces computer banking in Pakistan in 1971. The bank took part in the success of every field of life throughout his history and always considers the benefits of the customers first. By keeping the trends of innovation the bank introduces the first UBL Credit card the UNICARD also the first bank to have an Islamic banking divisions in Pakistan. UBL successes with the new vision for the 52 years with the flourishing history.

Vision
To be a world class bank dedicated to excellence, and to surpass the highest expectations of our customers and all other stakeholders

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

Core Values

Honesty and integrity Commitment and dedication Fairness and meritocracy Teamwork and collaborative spirit Humility and mutual respect Caring and socially responsible

Business in other countries


Pakistan United Bank Limited United Arab Emirates United Bank Limited Bahrain United Bank Limited Qatar United Bank Limited Yemen United Bank Limited United States of America

United Bank Limited Representative Offices

Kazakhstan Almaty Rep. Office

China Beijing Rep. Office

Hirarchy of UBL PAKISTAN


Sheikh Nahayan Mabarak Al Nahayan Sir Mohammed Anwar Pervez, Mr. Atif R. Bokhari Mr. Omar Ziad Jaafar Al Askari Chairman Deputy Chairman President & CEO Director

Mr. Zameer Mohammed Choudrey Mr. Seerat Asghar Mr. Rana Assad Amin Mr. Amin Uddin Mr. Arshad Ahmad Mir

Director Director Director Director Director

Branch: 0165-KUTCHERY ROAD MULTAN


The KUTCHERY RD branch is flourishing its business from 1974. Now these days Mr. Hameed Khan is the branch manager and Mr Farrukh is operational manager. Mr. Farrukh the operation manager gave us his presious time and gave us the whole information in a good manner which we required. This branch of UBL is situated in the market of tourism and overseas employment agencies. This branch has the high share of business in this area as there is no any other bank situated there. The branch is also providing services to the households, senior citizens and students. Now we discuss the various dept of the branch and their relative functions.

Deposit Products
Our deposit product portfolio offers an eclectic mix for all types of financial requirements. Whether you are an individual interested in opening a savings account, or a businessman wanting to maintain a foreign currency account, or a small business with a requirement of a business account for your daily transactions, our deposit products offer you the range you require. Check out our extensive deposit products and services and find one especially suited to your needs.

UBL Business Partner

Unlimited Real Time Online Banking


Access your account from over 1200 online branches in over more than 400 cities all across Pakistan for unlimited online transactions. With UBL Business Partner, your account moves with you. Wherever you go, we will follow. Enjoy total convenience at any online branch with: Instant Cash Deposits & Withdrawals Country Wide Instant Funds Transfer Issuance of Pay Order, Demand Draft & Telegraphic Transfer Instant Cheque Clearance for all UBL Cheques Speedy clearing and collection of any non UBL cheque in any Online UBL branch Statement of Account Issuance / Balance Inquiry / Stop Payment of Cheques

Convenience of 9-5 Non-Stop Full Service Banking


Rupee Deposits & Withdrawals (both cheque & cash) Issuance of Pay Order, Demand Draft & Telegraphic Transfer Locker Access Foreign Currency Cash Deposits & Withdrawals Foreign Currency Traveler's Cheque/Demand Draft Utility Bills Payment Consumer Loans / Credit Card Payment Statement of Account Issuance & Balance Inquiry Issuance of Hamrah Rupee Traveler's Cheques

The Current Account that offers FREEdom


UBL Business Partner comes with unmatched free* offers. We truly value your partnership and believe in offering you the preference you deserve.

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Now individuals and sole proprietorships can become our preferred Business Partner by maintaining Rs. 250,000/- or above in their current account and get the following services absolutely free! Unlimited Real Time Online Transactions Issuance of Pay Order, Demand Draft & Telegraphic Transfer UBL Wallet ATM/Debit Card Cheque Book Collection / Clearing of Cheques Lockers, small, medium and large (subject to availability) No Cheque Return Charges 50% discount on UBL Credit Card Annual Fee

*Number of Free Transactions as per UBL Schedule of Charges

UBL Business Partner Plus


The UBL Business Partner Plus is a unique product with multiple benefits. It is a specialized current account, which aims at providing the necessary tool for individuals, traders, businessmen and commercial customers to transact their bank related business activities nationwide through a single platform. On maintaining a monthly average balance of Rs. 25,000 or more, avail a host of free services including: Unlimited number of cash withdrawal & deposit transactions through any UBL branch Unlimited number of UBL cheque deposit transactions through any UBL branch Unlimited number of online funds transfers transaction country wide Wallet VISA Debit Card (Mega Wallet / Gold) issuance Unlimited number of Cashier's Cheque Issuance of cheque book Cancellation of Cashier's Cheque Cheque returned unpaid from payee's account in outward clearing Clean Bill for collection Duplicate Cashier's Cheque Duplicate account statement Issuance of Rupee Travelers Cheque (RTC) Transaction SMS

11 Note: Minimum balance charges of Rs. 50/- will be charged monthly if monthly average balance falls below Rs.25,000/

Rupee Transactional Account

If you choose to keep a deposit in a secured savings account which also gives an attractive rate of return, then UBL's PLS Savings Account will serve all your financial needs. By keeping your deposits in UBL's PLS Savings Account you can also avail the following services:

Special features are


No limitation on withdrawals Share of profit is credited on half-yearly basis Profit is calculated on minimum monthly balance UBL offers free accidental and permanent disability insurance to individual and joint account holders

1200 branches 400 cities. Your Account in every one of them


Access your account from more than 1200 online branches in 400 cities and towns across Pakistan. Our network is growing at an amazing pace and now you can avail services like: Issuance of Pay Order, Demand Draft, Money Transfer & Telegraphic Transfer Country Wide Instant Funds Transfer Country Wide Instant Deposit / Withdrawal (both Cash & Cheque) Issuance of Statement of Account/ Balance Inquiry Stop Payment of Cheque Speedy OBC process for cheques of other banks within & inter city Now customers can deposit all UBL and non UBL cheques in any online UBL branch for clearing / collection

9-5 Non-Stop Banking


Banking at your own convenience has been made possible. UBL now offers 9-5 Non-Stop FullService Banking at all of branches (above 1000) across Pakistan. Cheques / cash (FCY & PKR) deposit & withdrawals PO / DD / RTC issuance (all local currency remittance transaction) against cash Utility bill payment Statement of Account issuance Locker operation

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Foreign currency TC / DD issuance against cash *

Timings
Monday through Thursday: 9 am to 5 pm Friday: 9 am to 1 pm & 3 pm to 5 pm Saturday: 9 am to 1:30 pm

Countrywide Instant Cheque Clearance


Submit a cheque in Karachi and get it cleared in Peshawar within minutes. With online banking services, you can get your cheque cleared instantly, without any hassle.

Instant funds transfer


Funds transfer was never this easy. Make payments or receive payments within minutes using our online facility. With the introduction of Internet Banking now funds transfer is even made easier and is just a click away.

UBL UniFlex
UBL has introduced a checking account ideal for rate conscious individuals, traders, organizations, monthly savers and customers who want transactional flexibility. You can now afford an amazing rate of return, plus value added benefits only available from the UBL UniFlex PLS Savings Account. Remarkable rate of return Convenience of a cheque book Power of Wallet VISA ATM / Debit Card Online Banking Facility

UniFlex Rates & Tenors:



Rs. 10,001 - Rs. 100,000 6.00%

Average balance of the month (Rs.)

Projected rates Dec 2012

Rs. 0 - Rs. 10,000

6.00%

Rs. 100,001 Rs. 500,000 6.25%

Rs. 500,001 Rs. 1,000,000 6.50%

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Rs.1,000,001 Rs. 10,000,000 6.75%

Above Rs. 10,000,000 7.00%

* Projected Rates will be announced monthly through UBL Deposits Projected Rate sheet

Terms & Conditions

Only one UBL UniFlex account per Computerized National Identity Card (CNIC) will be allowed to be opened in UBL, regardless of the branch; no doubling shall be allowed even as joint account or a sole proprietor. The Bank shall determine from time to time the rate of interest/return/profit payable on the account/deposit in accordance with the prevailing profit and loss sharing rules and regulations of the State Bank of Pakistan as well as the policies of the Bank which are subject to change from time to time. The account holder/depositor must agree to accept such rate of interests/return/profit at the time the change is made. Profit will be calculated on monthly average balance and credited to account the following month on a monthly basis. The UBL UniFlex account cannot be overdrawn. Accounts that are closed in the middle of a month will not be eligible for any interest/return/profit for the broken period of that month. Wallet VISA card is optional; charges as per Schedule of Bank Charges (SOC). (Please apply on the regular Account Opening Form) Regular checkbooks will be provided as per Schedule of Bank Charges (SOC). Customers can conduct a maximum of three -free of cost - withdrawal transactions in a calendar month (inclusive of all instruments). These withdrawals include but are not limited to Net banking, cash withdrawal by an ATM, cash withdrawal over the counter, Inter Bank Funds Transfer (IBFT), clearing, collection, Online banking, Tez Raftaar, Tez Ibex, MT/DD/TT/PO/Online (UniRemote), RTC, etc. The bank will charge a sum of Rs. 100/- per transaction for any withdrawal above the threshold of three debit transactions in one calendar month. There is no limit for credit transactions in a month. All single debit incidents to an account will be considered as separate transactions except deductions by the bank for charging service fee, Withholding Tax and Zakat deductions. All transactions, including the three withdrawals allowed will be charged as per the Schedule of Bank Charges (SOC)

UBL Unisaver

UBL UniSaver Account is an innovative way of serving your banking needs. Be it trade, business or personal finance, the UBL UniSaver allows you maximum flexibility, yet gives you optimum returns.

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Special Features are:


Innovative and flexible checking account Attractive rates of return Profit is calculated on monthly average balance Profit payment is on six monthly basis Higher returns on higher balances Backed by the bank awarded AAA Credit Rating

Certificate of Deposit

Now you can earn a higher income on your surplus cash by investing it in Certificate of Deposit which helps you earn extra income with your hard earned money, while providing absolute trust and security. Two Types of Profit Payment Options:

Profit Payment at Maturity Monthly Profit Payment

Stable & High Rate of Return:


Avail one of the best and most stable rates of return by investing in CODs.

Wide Choice in Tenor of Deposit: 3 month to 10 Years!


You have the convenience of investing your money for the duration of your choice: anywhere from 3 months to 10 years.

Security
UBL understands the value of your hard earned money and continues to deliver on the promise of safety and security. UBL's A+ credit rating by PACRA ensures a secured investment for your money.

Easy Available Financing


You can take a loan against CODs for both your short and long term financing needs. You can avail financing up to 90% of your deposit at a very nominal cost, allowing you to earn high profits and still have the liquidity to meet your financial needs.

Easy Availability

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UBL Profit CODs are available across the nation at 1200 online branches in more than 400 cities across Pakistan. Simply walk into your nearest online UBL branch and make a smart investment

through Certificate of Deposit (COD). Free Insurance Coverage


All COD customers shall also be eligible for the UBL Accidental Death and Permanent Disability scheme.

Foreign Currency Savings

If you wish to make a secured long term foreign currency investment, UBL's Foreign Currency Term Deposit Receipt is a smart choice, just make an investment and see your deposit grow over time. Special features include:

Choose from different range of currencies i.e. US Dollars, British Pounds, and Euros etc. Term deposits in foreign currency are offered for the following periods of maturity with variable rates of return: (1) Three Months (2) Six Months (3) Twelve Months There are no cash handling (Cash Deposit & Cash Withdrawals) charges from the customers Avail different attractive rates depending on the currency you choose Get the pleasure of availing the best rates of return in the market Flexible options of rollover or renew the TDR at the time of encashment Avail the services and facility of 9 - 5 non stop full service banking in all foreign currency handling branches UBL offers the widest reach across the country with an increasing number of more than 400 foreign currency dealing branches You can withdraw funds in either foreign currency or in Pakistan Rupees, whatever your requirement may be Zakat exempted For all FCY Term Deposits, fixed rate of return on booking month's rate Special Rates available from for USD 500,000 and above or equivalent UBL offers free accidental and permanent disability insurance to individual and joint account holders

Foreign Currency Term Deposits Receipts

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If you wish to make a secured long term foreign currency investment, UBL's Foreign Currency Term Deposit Receipt is a smart choice, just make an investment and see your deposit grow over time.

Special features include:


Choose from different range of currencies i.e. US Dollars, British Pounds, and Euros etc. Term deposits in foreign currency are offered for the following periods of maturity with variable rates of return: (1) Three Months (2) Six Months (3) Twelve Months There are no cash handling (Cash Deposit & Cash Withdrawals) charges from the customers Avail different attractive rates depending on the currency you choose Get the pleasure of availing the best rates of return in the market Flexible options of rollover or renew the TDR at the time of encashment Avail the services and facility of 9 - 5 non stop full service banking in all foreign currency handling branches UBL offers the widest reach across the country with an increasing number of more than 400 foreign currency dealing branches You can withdraw funds in either foreign currency or in Pakistan Rupees, whatever your requirement may be Zakat exempted For all FCY Term Deposits, fixed rate of return on booking month's rate Special Rates available from for USD 500,000 and above or equivalent UBL offers free accidental and permanent disability insurance to individual and joint account holders

UBL FCY UniFlex

UBL has introduced a checking account ideal for rate conscious individuals, traders, organizations, monthly savers and customers who want transactional flexibility. You can now afford an amazing rate of return, plus value added benefits only available from the UBL FCYUniFlex, the Best Foreign Currency Savings Account. UBL FCY UniFlex is especially designed in a way that it will offer higher returns on higher balances.

Amazing tier-based profit rates Ease of cross-currency conversions Monthly profit payment on average balance.

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Available in US Dollar, Pound Sterling, Euro and UAE Dirham. Free services including e-statements and over the counter cash deposits. Online funds transfer (Ac-Ac) & payment through Cheque.

FCY UniFlex Rates & Tenors:


USD Average balance of the month GBP EURO AED Projected Rates December 1, 2012

For monthly average balances below 5,000 (Unizar Savings Rate) 0.08% 0.20% 0.02% 0.06%

For monthly average balances between 5,000 up to 10,000 1.70% 1.70% 1.70% 0.06%

For monthly average balances between 10,000 up to 25,000 1.80% 1.80% 1.80% 0.06%

For monthly average balances between 25,000 up to 100,000 1.90% 1.90% 1.90% 1.80%

For monthly average balances above 100,000 1.90% 1.90% 1.90% 1.90%

Terms & Conditions

Single and Joint Accounts, Partnerships, Joint Stock company Accounts (public/ private), Sole Proprietorships, Foreign Missions/ Diplomats and Charitable Trusts/ Foundations etc which are exempted from income tax are eligible. This facility is not available to airlines and shipping companies operating in/ through Pakistan or collecting passage and freight in Pakistan and the investment banks, leasing companies and Modarba companies including those which have been granted license to deal in foreign exchange. The Bank shall determine from time to time the rate of interest/return/profit payable on the account/deposit in accordance with the prevailing profit and loss sharing rules and regulations of the State Bank of Pakistan; as well as the policies of the Bank which are subject to change from time to time. The account holder/depositor must agree to accept such rate of interests/return/profit at the time the change is made. Profit will be accrued on monthly average balance touched during the month and will be disbursed into customers account on monthly basis, at a profit rate as per monthly projected rate sheet. The UBL FCY UniFlex account cannot be overdrawn. Accounts that are closed in the middle of a month will not be eligible for any interest/return/profit for the broken period of that month. Regular checkbooks will be provided as per Schedule of Bank Charges (SOC). Customers can conducta maximum of three free of cost withdrawal transactions in one calendar month. For any withdrawal above the threshold of three customer driven debit

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transaction in one calendar month fee charges for the respective USD, GBP, EURO, AED account will be USD 5/-, GBP 3/-, EURO 4/-, AED 20/-. In case monthly average balance is not maintained i.e. USD 500/-, GBP 300/-, EURO 400/-, AED 2,000/- then service charge will be levied as follows USD 5/-, GBP 3/-, EURO 4/-, AED 20/- respectively. All applicable taxes including WHT, FED and other taxes levied from time to time shall be applicable. All transactions, including the above will be charged as per the Schedule of Bank Charges (SOC). The product will be governed in line with the requirements of FE Manual/ SBP instructions.

Regular Term Deposits Receipts

If you wish to make a secured long term investment, UBLs Term Deposit Receipt is the smart choice, just make an investment and see your deposit grow over time. By investing in UBL Term Deposit Receipts:

Special features include:


You get an attractive rate of return Your profit is paid monthly on a floating rate based on money market conditions You have the flexibility to choose from a wide range of tenors You can avail the Rollover or Renewed option at any time before encashment You can get your TDR en-cashed at any time before maturity period Avail different attractive rates depending on the tenor you choose Get the pleasure of availing the best rates of return in the market Avail the services and facility of 9 - 5 non stop full service banking in all UBL branches (over 1000) across the country UBL offers free accidental and permanent disability insurance to individual and joint account holders

Available Tenors

1 Month 2 Months 3 Months 4 Months 5 Months

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6 Months 1 Year 2 Years 3 Years 4 Years 5 Years 6 Years 7 Years 8 Years 9 Years 10 Years

Special Notice Deposits Receipts

If you wish to park funds for a short term period then UBL offers Special Notice Deposit Receipts (SNDR). Special Notice Deposit Receipts are daily profit products with fixed notice period (7 Days and 30 days) and periodical profit payouts, governed under the rules of the profit and loss sharing (PLS) system.

Special features are:


Attractive rates of return Secure investment Profit will be disbursed on a half yearly basis Availability of options to invest funds for 7 days and 30 days SNDR can be en-cashed at any time before maturity period SNDR can be issued through a checking account UBL offers free accidental and permanent disability insurance to individual and joint account holders

Available Tenors

7 Days 31 Days In case of premature encashment of 30 days SNDR, the profit will only be paid on the days the money stayed with the bank. However, no profit will be paid if any SNDR brought for encashment before 7 days.

UBL Basic Banking Account

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To accommodate the banking needs of low income groups, United Bank Limited is pleased to launch the UBL Basic Banking Account Scheme (UBL BBA) from February 25, 2006 across its branch network all over Pakistan. This is primarily aimed toward helping the low income group to benefit from the banking services without having the pressure to maintain specific balance amount with the banks. Find below basic product features of the Product:

Special features are:


The minimum initial deposit at the time of account opening is to be Rs. 1,000/Basic Banking Account will be a current account There is no minimum balance penalty on UBL BBA accounts, however all accounts having nil balance for a continuous six month period shall be closed All Business Partner waivers allowed if minimum balance requirement condition as per SOC is met by the account holder Maximum of two deposit and two withdrawals (cash or clearing) per month are allowed free of charge. However, any transaction (cash or clearing) after those mentioned above will be charged a flat fee of Rs. 50/-, in addition to the regular charges of services as per SOC. This charge will be system generated end of day, once the customer exhausts his free transaction limits BBA customers will be allowed unlimited free ATM withdrawals from UBL's own ATMs. However, withdrawals from other banks' ATMs will be charged as per the existing SOC (currently Rs. 15/- per transaction). Annual fees including issuance and renewal of ATM card will be charged as per existing SOC All other banking services provided will be charged as per the prevailing SOC The statement of account will be issued once a year for UBL BBA customers in June. Issuance of duplicate statement will entail a charge of Rs. 50/- as per SOC Like the regular Current accounts, UBL BBA will also be Zakat Exempt accounts Any existing customer wanting to convert his/her checking account into Basic Banking Account can do so by giving a written application to the Branch Manager upon which existing account will be closed and a new UBL BBA account will be opened and a new account number will be provided to the customer after due account opening procedures, including submission of CNIC, if not provided earlier. The deposit in the previous account will be transferred to the newly opened UBL BBA. Charges for closing any existing account shall be recovered as per SOCs

UBL First Minor Savings Account

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UBL First is a savings account opened on behalf of a child in the name of the father or mother or a court-appointed guardian and the minor. UBL First is designed especially for children and aims at becoming every child's first bank account, helping inculcate a savings habit. It is tailored to meet a child's future financial needs in a planned and convenient manner.

Special features:

Every account holder is entitled to a welcome pack Two VISA ATM Debit Cards are provided; one is a specially designed UBL First Pocket-Money Card (complimentary) for the withdrawal of profit from the linked account. The other is a standard UBL Wallet VISA Debit Card (optional) this allows you to withdraw money from the principal account Account opening, birthday and account anniversary surprises Free E-statements The account holder is entitled to value added services that include Internet Banking facilities Free Accidental Death & Disability Insurance coverage upto Rs.2.5 million (conditions apply) will be provided to father/mother/court-appointed guardian No minimum balance penalty levied on the account

How does the Free Accidental Death and Disability Insurance Cover work?
The father/mother/guardian will receive a Certificate of Insurance in the welcome pack. The Minor will be the ultimate beneficiary incase of death or permanent disability to the father, mother or guardian. Information relating to the next of kin in the account opening form will also be construed as information regarding the individual (who will step in the role of the guardianship) in case of the above given possible occurrence.

Rules of the Account


UBL First Account can be opened for any child aged between one day and 18 years UBL First Account can be opened with a minimum amount of PKR 100/-. There is no limit on the maximum amount of investment The cheque book (for the principal account) and the Pocket-Money Card will be issued jointly in the name of the minor and the father/mother/ guardian The UBL First Pocket-Money Card can be used to access the monthly profit in cash from any ATM machine or be used for shopping at retail outlets The facility of online use of Debit Cards will be available once registration procedures have been duly completed

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Monthly profit is paid as pocket money which is disbursed into the linked account Detailed Terms & Conditions can be viewed in the account opening form

UBL Ameen

United Bank Limited was awarded the Islamic Banking Branch license by the State Bank of Pakistan on December 16, 2006. With that, we are proud to announce the launch of Ameen, UBLs Islamic Banking initiative. By the grace of Allah, our first flagship branch, located at M. A. Jinnah Road opened its doors to the public on December 22, 2006 (29 Ziqaad 1427 AH).

UBL Deposit Products


Current Account Ameen Business Account Saving Account Certificate of Islamic Investment Foreign Currency Monthly Certificate of Islamic Investment Weight & Rates Payment History

Services

Ameen Online Banking Ameen Net Banking Ameen E-Statement Ameen Visa Debit Card Ameen Lockers

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Consumer Loans

UBL Address Home Loan Facility

Owning a house of your very own is a cherished dream. A lot of planning and hard work is involved in making this dream come true. That is why, at UBL we aim to make your decision easier, by offering you the right ingredients that can help you realize your dream with absolute convenience. UBL Address empowers you to become the proud owner of a home by offering a variety of product and pricing options that are flexible yet affordable. So choose the best product option and pricing to suit your needs. All product options are amortized and range over a tenor of 3 - 20 years.

Buying a Home
Why rent when you can buy? Buying a home of your choice has never been so easy. With a maximum financing limit of 70% you can easily buy a house or apartment that best fits your requirements. So go ahead and start the search for your dream home because with easy and affordable installments you need not think of renting a house when you've got UBL Address.

Building a Home
Have you ever settled for anything less than perfect? There's nothing like building your perfect home, your way. With every detail in place like the elegant French windows or the perfectly manicured lush green lawn, just the way you've always imagined. By chalking out well planned fund tranches at each phase of the building process, UBL Address brings you your dream house one step closer.

Land Plus Construction

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What do you do with an empty piece of land? Construct your dream house with all the aesthetic details you've ever wished for. UBL Address helps you through every stage of construction by providing you with well planned out fund tranches so that you can better manage your construction.

Floating Rate
In this option, you get a fixed rate for a period of 12 months, which gets re-priced annually. (Upward or downward, only to the extent of Kibor).

Eligibility Criteria

Minimum monthly income: Rs.50,000 Age: 23 to 65 years Resident Pakistani Self-employed businessman/professional or salaried individual Minimum loan size: Rs. 500,000

Documentation Requirements

Copy Of NIC Two recent Photographs each of primary as well as co-borrowers Signed Lou (Letter of Understanding), which states the applicable rate at the time of booking of loan. General Income Documents for Salaried and SEB/SEP are given below. However, your exact Documentation Requirement as per your specific Segment & Profession will be communicated to you by our respective ROs.

Documentation Requirements

Copy Of NIC Two recent Photographs each of primary as well as co-borrowers Signed Lou (Letter of Understanding), which states the applicable rate at the time of booking of loan. Other Documents are required to substantiate the length of business General Income Documents for Salaried and SEB/SEP are given below. However, your exact Documentation Requirement as per your specific Segment & Profession will be communicated to you by our respective ROs.
Docs Required

Segments

Salaried

Employment Certificate confirming last 12 months work experience

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o o o
SEB/SEP

Tax Document for the past 24 months Current Salary Slip Bank Statement for the last 12 months

o o o o o o o

Last 3 years Tax Assessment Order or Registered Partnership Deed Bank Statement for the last 12 months Salary Slip/Salary Certificate Employment Certificate confirming last 12 months work experience Tax Document for the past 24 months Current Salary Slip Bank Statement for the last 12 months

Markup Rates
Both Floating and Adjustable Rate Options are available. The Floating Rate Option is subject to annual revision from the time of loan booking. Any change in the mark up rate may be either upward or downward revision (if required) after every twelve (12) months from the date of the booking of the loan(upward or downward only to the extent of Kibor). Markup rates are calculated on the basis of the prevailing one year Karachi Inter-Bank Offered Rate (KIBOR*) which is taken as the base rate. A margin that varies from one pricing option to another is charged over and above the base rate, the details of which are as follows:
Segments Docs Required

Salaried KIBOR + 3.5% = Applicable Markup Rate

SEB/SEP KIBOR + 4.5% = Applicable Markup Rate

The applicable markup rate will be the rate prevailing at the month of booking. This will be communicated to the applicant through the Repayment Schedule -

Penalty & Charges


Type of Penalty & Charges Amount & penalty %age

Late Fees (per installment) Rs.1000

Appraisal Charges Rs 5,000

Legal Charges Rs 5,000

Life Insurance Optional

Property Ins Complimentary

Processing Charges Rs 5,000 (Non refundable)

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Partial Payoff Max 6 monthly installments. Penalty charges apply on amount exceeding Rs 50, 000 or 6 monthly installments. 8% for Year 1 5% in Year 2 3% in Year 3 & onwards

Repayments
At UBL, you are at the core of all our endeavors. That is why, keeping your convenience in mind, we are now introducing new ways for you to make payments against your UBL Address loan. You can choose from a variety of convenient channels for making payments, all of which allow you to save time and cost.

Drop Box Facility


UBL Drop Box Facility at our branches offers a hassle free and secure cheque deposit system which gives you the opportunity to pay your UBL Address repayments on time, without standing in long queues.

Make cross cheque payable to UBL Address" Write your loan number and name at the back of the cheque Drop the envelope containing your cheque in the UBL drop box placed at a branch near you Please drop your cheque at least 3 days prior to your repayment due date in order to provide cushion for cheque clearing.

UBL BUSINESS LINE

Introduction
UBL Businessline is 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. UBL Businessline is a running Finance facility that not only provides funds for growth but also enables you to capitalize on profitable opportunities. With UBL Businessline, now you will surely say: " Ab Hui Kamiyaabi Meri Manzill".

What is Businessline?
"It is a 'Credit Line/ OD Facility' against Residential Property. It is an evergreen credit line that the customer can use for his/her business expansion"

Features

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Utilize up to Rs.10 million: Now, UBL Businessline credit line is here to solve all your cash flow problems. You can utilize up to Rs.10 million with the help of which you can now focus on your business expansion and growth.

LTV as high as 70%


UBL Businessline offers you the facility of availing a financing of up to 70 % of your property value. Now that you can avail a higher amount against your assets, you can plan your growth and expansion exactly the way you want to. In addition financing is offered to customers that are already availing a similar facility from any other bank.

Mark up on utilized amount only


With UBL Businessline, now you no more need to pay for the entire credit line that you own. Businessline gives you the facility to pay mark up only on the amount that you utilize.

Faster Processing
After completion of your documentation requirements, UBL Businessline promises you a very smooth and fast processing, hence saving you time and frustration.

Wide Accessibility
UBL Businessline's availability in major cities like Karachi, Lahore, Faisalabad, Islamabad & Rawalpindi, is complimented by UBL s countrywide branch network enabling our customer to access his account, and deposit or withdraw cash, no matter where he stands within the country.

Competitive Rates
At UBL, you come first, which is exactly the reason why we offer our customer such competitive rates that would facilitate him in leveraging his skills to the maximum and in bringing about the success that he deserves.

Eligibility Criterion
If you fall in the following criteria, then UBL Businessline is just the right choice for you

Minimum monthly income: Rs. 50,000 Age: 25 55 Resident: Pakistani. Self Employed Professional / Self Employed Businessman.

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UBL Drive

UBL Drive is a unique auto financing product which offers you features, options and flexibility unmatched by any other bank, because at UBL, you come first. Both fixed and floating rates are offered to our customers. At UBL we offer financing for new and used cars. Drives Car Replacement Plan is the slogan name for a premier auto financing product. Customers who intend to avail loan facility from UBL Drive under this variant can readily have their existing cars replaced after a year of financing.

UBL Drive (Standard Product)


UBL Drive is a unique auto financing product which offers you features, options and flexibility unmatched by any other bank, because at UBL, You come first. Both Fixed and Floating rates are offered to our customers. Floating rate is linked with the KIBOR.

New Car Financing


UBL Drive allows you to drive away in your own car by making a down payment of minimum 20% and to top that with low monthly installments.
Pricing Plan (Fixed Rate)

Tenure 1 to 2 years 3 to 4 years 5 years

Rate 20% - 21% 20.5% - 21.50% 21% - 22%

Pricing Plan (Floating Rate)

1 year Kibor + 4.5% to 5.5% * Floating rate is revised annually.

Used Car Financing

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With UBL Drive you can buy your favorite used car (up to 5 years old) at the most affordable rates.
Pricing Plan (Fixed Rate)

Tenure 1 to 2 years 3 to 4 years 5 years

Rate 21% - 22% 21.5% - 22.50% 22% - 23%

Pricing Plan (Floating Rate)


1 year Kibor + 5.5% to 6.5% * Floating rate is revised annually.

Car Replacement Plan


Drive's Car Replacement Plan is the slogan name for a premier auto financing product. Customers who intend to avail loan facility from UBL Drive under this variant can readily have their existing cars replaced after a year of financing.

Product Features

Free Tracking Device Option will be provided to the customers on affordable rates. this will be done in collaboration with the insurance companies on our panel. Zero Pre-Payment Penalty No penalty will be charged from the customer if the loan is been paid off after a year. Payment Holidays A unique concept whereby which payment breaks will be given to the customers on occasions such as Eid etc. Payment Holidays will be given once a year to the customers. Payment Flexibility Whereby which the customer will be provided the flexibility to change the loan tenor, opt for partial payment of the outstanding principal amount.

Insurance Options
UBL Drive offers you the following insurance options:

Comprehensive insurance Insurance financing for the first year Discounted rates with free tracking device

UBL Silah Mila

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Remember the time when you were rewarded for your achievements - All simple. All instant. UBL has designed a campaign for the first time in Pakistan to acknowledge and reward customers who have shown excellent performance in their loan repayments with other banks. Customers who maintain good credit history with any bank in Pakistan on consumer products can qualify, based on a certain threshold of credit bureau scores. These customers are being offered rate breaks and instant rewards upon qualifying for UBL consumer products.

Rate Breaks/Lower Charges

Product Existing Rate Revised Silah Mila Rate Discounts (for first year only)

UBL Credit Card 39% 36% 3%

UBL Credit Card BTF (Balance Transfer Facility outstanding 24% balance transfer from other banks credit cards to UBL Credit Card) 21% 3%

UBL Drive- for Existing Deposit Relationship- Standard Plan 1 Year KIBOR + 4.50% 1 Year KIBOR + 4% 0.5%

UBL Drive- For New to Bank Customers-Standard Plan 1 Year KIBOR + 5.50% 1 Year KIBOR + 5% 0.50%

UBL Drive
UBL Drive is a unique auto financing solution which offers product with pricing linked with KIBOR and features like Car Replacement Plan and free car tracking device. You will be able to avail UBL Drive for new & used car with flexibility unmatched by any other bank.

UBL Address

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UBL Address empowers you to become the proud owner of a home by offering a variety of products (Buy-a-Home, Build-a-Home and BTF) that are flexible yet affordable. So choose the best product option and pricing to suit your needs. The loan tenor ranges from 3 to 20 years. Please note that customers who maintain a good credit history in one or more products with a bank can qualify for the same or other products in UBL consumer products menu, depending upon fulfillment of the bank's debt burden / income criteria and other regulatory requirements. For example, a customer availing an auto loan with any Pakistani bank can qualify for another auto loan, credit card or any of the UBL's discounted consumer products listed above, based on his / her good credit history and other regulatory requirements.

Note

Rate breaks and fee discounts are applicable for the first year only All charges, fees and government levies will be applicable as per bank's SOC and government regulations The campaign is valid for a limited period only, and can be withdrawn without any notice

Corporate Banking

Our mission is to serve all your corporate needs and ensure your full satisfaction through product innovation, personalized banking, and top notch service. The CBG department of UBL defines corporate banking in Pakistan. Amongst the local banks UBL CBG is the pioneer in providing innovative solutions to its diversified and satisfied customer base. UBL CBG is considered to be a major player in the financial market of Pakistan. The Corporate Banking Group focuses on attracting and servicing large portfolio customers. Our forte is providing exemplary customer service using the "Single Window" concept and product superiority. The Relationship Management team manned by highly qualified individuals from the industry has steadily expanded our customer base and continues to enhance our cordial relations with our esteemed clients.

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Despite the sluggish economic growth in recent years, UBL outperformed all the other local banks in the corporate banking sector primarily due to CBG's emphasis on establishing and enhancing relationships with foreign/local blue chip and middle market customers thereby capturing significant market share. UBL's appetite for large exposures coupled with dedicated Structured Finance Unit, and an innovative team of professionals having extensive experience of Corporate Banking gives it the right platform to succeed in today's competitive and a demanding environment. The success of CBG has been established from the fact that UBL received the 'No.1 Euromoney 2000' Best Local Bank award and recognized it to have out performed all other banks. In year 2000, UBL was also voted as the best Corporate Bank by the customers of a major foreign bank in a survey. Aggressive marketing combined with professionalism has led to an increase in UBL's market share with top corporate customers and in some cases replacing Foreign Banks. Presently, its portfolio includes the quality names in the country, which were initially confined to foreign banks only.

Card Products

Welcome to the world of UBL Cards, the most exciting and vibrant card brand in Pakistan. We offer you a range of innovative and exciting cards that are not only powered by the security of chip but also enable you to personalize them any way you want. In order to get more information on our Prepaid, Debit and Credit Cards range, click on the following cards:

UBL Wiz

UBL Wiz is Pakistan's first ever Prepaid VISA Debit Card that provides the convenience, security and benefits of an ATM and Debit Card, locally and internationally.

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More than just an ATM card, you can use your UBL Wiz everywhere VISA cards are accepted. Whether you are using it online, paying for petrol, shopping or dining, you are accessing money directly from your prepaid card, without having to visit the bank.

UBL Mega Wallet

Introducing the new UBL Mega Wallet Card, now with the International power of VISA

UBL Mega Wallet Reward-Mega Power, Mega Usage and Mega Rewards
With the new UBL Mega Wallet Card, a whole new rewarding experience awaits you. A revitalized and colorful design beckons you to a mega experience of power and rewards. Every time you use your card to withdraw cash or conduct transactions, you will be rewarded with points that can be redeemed for exciting gifts, part of Pakistan's first ever loyalty program on Debit Cards (to be launched soon). Not only that, we strongly value your relationship, and the excitement does not stop here; your other interactions with the bank will also be rewarded through points, for example, paying your bills on time or requesting a bank draft.

Available to All UBL Account Holders


UBL offers ATM and Debit Card facility to all account holders at all UBL branches anywhere in Pakistan.

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Nine Supplementary Cards


UBL Mega Wallet VISA also gives you the facility of having up to 9 supplementary cards issued against one primary card. All supplementary cardholders will be able to conduct ATM/Debit transactions within the limits of the primary card account.

24 x 7 Contact Center
UBL's dedicated staff is at your service 24 hours a day, 7 days a week. You can call our contact center at 111-825-888 (UAN), or you can simply pick up the telephone placed next to all UBL ATMs and be instantly connected to our customer service representative via a hotline facility.

UBL Mega Wallet Your ATM Card


UBL already has its own network of 472 ATMs in 90+ cities, which continues to expand by the day. Moreover, UBL Mega Wallet is also part of the 1 Link and VISA networks. These allow you to use your UBL Mega Wallet VISA across Pakistan at more than 3,500 ATMs displaying the 1 Link logo and at more than 1.5 Million ATMs in 150 countries. It is also acceptable on the MNET network of ATMs in Pakistan. Your Mega Wallet VISA Card will also be acceptable on all local VISA certified machines displaying the VISA Plus sign.

UBL Mega Wallet Your Debit Card

With UBL Mega Wallet VISA 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 Mega Wallet VISA for direct debit from your bank account, along with the convenience of using signature based verification instead of a PIN (Personal Identification Number). The debit card facility is being offered in association with the Orix and VISA networks, which means that you can use your UBL Mega Wallet VISA to conduct a debit transaction at any outlet in Pakistan that displays the ORIX or VISA logos. The Orix network offers connectivity at more than 5,000 outlets across the country, whereas your UBL Mega Wallet VISA card is also acceptable at 22 million VISA merchant locations, local and international.

Funds Transfer
UBL Mega Wallet VISA allows three kinds of instant funds transfer through UBL ATMs from your UBL account

Into any of your UBL account. Into any other UBL account.

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Into any other participating 1 Link bank (through the new UBL Inter Bank Funds Transfer facility) On confirmation, the amount from the cardholder account is instantly transferred to the beneficiary account.

UBL ATMs Accept All VISA Cards


In addition to the launch of the Internationally VISA powered UBL Mega Wallet card, we are also proud to announce that our UBL ATMs are now VISA certified and are geared up to accept all International VISA Debit and Credit cards. So great news for UBL Credit card holders - they can make cash advances through our UBL ATMs as well.

Other Facilities
Virtual Assistant
UBL ATMs feature a Virtual Human Assistant, who guides you in conducting your ATM transactions

SMS Alerts
Receive SMS alerts on every POS transaction and Funds transfer done through your UBL Mega Wallet Debit Card.

Balance Enquiry
Inquire about the availability of funds or simply get a printout of your account balance.

Mini Statement
Get a printed statement of your account that shows all recent transactions.

Fast Cash
Swiftly withdraw your desired amount by selecting from one of the options of listed denominations.

Apply Now
To apply for UBL Mega Wallet VISA just:

Call UBL's 24x7 Contact Center at 111-825-888 (UAN).

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Visit your nearest UBL branch or If you already have an account with UBL Click here to download the UBL Mega Wallet VISA Application Form. Fill out the form and submit it at your UBL branch.
Daily Limits (Rs.)

Annual Fee (Rs.)

Card Type Primary Supplementary ATM Withdrawal Debit Card Funds Transfer (UBL Funds Transfer (UBL to other banks) to UBL)

Mega Wallet 500 250 40,000 100,000 100,000 100,00

Retail Asset Products


UBL offers a diverse mix of agriculture based financial products. Financing is available for all seasonal crops across Pakistan. UBL Agriculture Finance aims to facilitate farmers via

production and development loans-with flexible tenors and large amounts. There are also available Non-Farm loans for livestock and fisheries financing. With an extensive branch network across Pakistan and specially dedicated branches UBL Agriculture Finance is within easy reach. UBL also provides loans under the Small Business Scheme to individuals who wish to set up their own small business. These loans are on easy terms and aim at spreading prosperity throughout Pakistan by reducing unemployment.

Agricultural Products

Farm Loans

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Production Loan

Financing is available for Major and Minor crops across Pakistan. Main purpose of financing is to facilitate farmers to purchase Agri Inputs such as Seeds, Fertilizers, Pesticides, Sprayers, hired labor etc.

NIACF (Revolving Credit Scheme)


Loan Tenure 3 years Documentation once for 3 years. Cleanup once a year Option for the farmer to use limit as per requirement Markup is charged on amount used or withdrawn Minimum Amount PKR 30,000 Maximum Amount as per requirement of the farmer

NIADF (Demand Finance Production)


Loan Tenure 3 months to 1 year 18 months for Sugar cane only Lump sum disbursement of the limit for a specified period. Repayment of loan in bullet payment on maturity (Principal and markup). Minimum Amount PKR 30,000 Maximum Amount as per requirement of Farmer

Development Loan

Land Development, Equipments and Machinery


Financing for Land Improvement, Water course improvement, Tube wells, Lift pumps, Deep turbine pumps, Cotton pickers, Godown, Cold Storage, Harvester, Thresher, etc

Loan Tenure 1 to 5 years Lump sum disbursement of the limit for a specified period. Repayment in installments (Principal with markup). Repayment mode monthly, quarterly and half yearly Minimum Amount PKR 30,000 Maximum Amount as per requirement of Farmer

Tractor & Vehicle Finance

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To purchase Tractors, Delivery Vans, Mini Trucks, Motor Cycle and other vehicles used for marketing Agri Products

Loan Tenure 1 to 3 years for Motor Cycle 1 to 7 years for Tractor 1 to 5 years for other 4 wheel vehicles Lump sum disbursement of the limit for a specified period. Repayment in installments (Principal with markup). Repayment mode monthly, quarterly and half yearly Minimum Amount PKR 100,000 Maximum Amount PKR 1,500,000

NonFarmLoans

Livestock Financing
Dairy Farming, Meat Farming, Fattening of Animals, Rearing of Animals, Construction of Sheds, Milk storage tanks, acquire and establish modern and efficient livestock facilities.

Loan Tenure 1 to 5 years Monthly / Quarterly repayment mode for Dairy Farmers Monthly / Quarterly / Half Yearly repayment mode for Meat Farmers Minimum Amount PKR 50,000 Maximum Amount as per requirement

Poultry Farm structure and equipments, Hatchery farm structure and equipments, Feed Mills, Purchase of Chicks, Feed, Medicines, Storage tanks, Cold storage, Construction of shed, etc.

Loan Tenure 1 to 5 years Monthly / Quarterly repayment mode for all loans Minimum Amount PKR 50,000 Maximum Amount as per requirement

Fisheries Financing

Fish seed, Fish feed, Manuring, Construction of pond, Curing and Dying by fishermen, etc.

Selection Criteria

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Eligibility

Should be a Pakistani & holding CNIC Preferably an account holder of UBL Permanent resident of the area Should be Agri land owner Self cultivator Minimum 3 years experience in relevant field Not a defaulter of any bank Have repayment capacity Able to produce proper securities / Passbooks / sureties

Collateral Requirement

Bank charge on Agri Land through Zarie Passbook Mortgage of Rural / Urban property other than Agriculture Land Hypothecation of Farm equipments with backup collateral Join registration of Tractor / vehicle with backup collateral Growers' loans against continuing Guarantee of Agriculture processing units Join registration of Tractor / vehicle with backup collateral Liquid Securities (Defence Saving Certificates, National Saving Certificate, etc.)

Terms & conditions


Clean CIB 1 to 3 years for Motor Cycle Markup payment frequency quarterly / half yearly for working capital loan Installment repayment frequency monthly / quarterly / half yearly / yearly for Term finance loans Minimum landholding 10 acres for Tractor Financing Equity for Tractor 10% Equity for 4 wheelers except Tractor is 25%

Small Loans
Under the Small Business Scheme, UBL is providing loans on easy terms to those who wish to set up their own small-scale business. This scheme is aimed at spreading prosperity in the country by reducing unemployment.

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As more and more people start their own industrial units, the country will move steadily towards economic self-reliance.

Bibliography
Website: www.ubldirect.com Email : customer.services@ubl.com.pk https://www.ubldirect.com/Corporate/index.aspx Branch: 0165-KUTCHERY ROAD MULTAN

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