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7/30/2019 Faisal Bhatti
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United Bank Limited
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Submitted to:
Mam. Summawia
Submitted by:
Faisal Iqbal Bhatti
Ishfaq Chohan
Amna
Ayesha
Hira
Roll num & class:5608
B.B.A 6th
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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 & exaltationflourished 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.
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Dedication
To our Parents and loving teachers.
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Table of contents
Sr. N0 Topic Page1 Introduction 4
1.1 Vission 4
1.2 Mission 4
2 Branch: 0165- Kutchery RD MUX 4
3 Deposit Products 6
3.1 UBL Business Partner 6
3.2 UBL Business PartnerPlus 6
3.3 Rupee Transactional A/c 7
3.4 UBL Uniflex 8
3.5 UBL Unisaver 9
3.6 COD 11
3.7 Foreign Currency Savings 11
3.8 Foreign Currency Term Deposit Reciept 12
3.9 UBL FCY Uniflex 12
3.10 Regular Term Deposit Reciepts 12
3.11 Special Notice Deposit Reciepts 15
3.12 UBL Basic Banking A/C 16
3.13 UBL First Minor Savings A/C 174 UBL AMEEN 18
5 Consumer Loans 19
5.1 UBL Address Home Loan Facility 19
5.2 UBL Busines Line 19
5.3 UBL Drive 23
5.4 UBL Silah Mila 24
6 Corporate Banking 26
7 Card Products 27
7.1 UBL Wiz 28
7.2 UBL Mega Wallet 28
7.3 UBL Mega Wallet Your Debit Card 288 Other Functions 30
8.1 Virtual Assistant 30
8.2 SMS Alert 30
8.3 Balance Enquiry 30
8.4 Net Banking 30
8 Retail Asset Products 29
8.1 Agriculture Products 31
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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 ourcustomers
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
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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 Chairman
Sir Mohammed Anwar Pervez, Deputy Chairman
Mr. Atif R. Bokhari President & CEO
Mr. Omar Ziad Jaafar Al Askari Director
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Mr. Zameer Mohammed Choudrey Director
Mr. Seerat Asghar Director
Mr. Rana Assad Amin Director
Mr. Amin Uddin Director
Mr. Arshad Ahmad Mir 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 ProductsOur 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
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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
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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 jointaccount 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 Full-
Service 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:
Average balance of the month (Rs.) Projected rates Dec 2012
Rs. 0 - Rs. 10,000 6.00%
Rs. 10,001 - Rs. 100,000 6.00%
Rs. 100,001Rs. 500,000 6.25%
Rs. 500,001Rs. 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 thefollowing 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 trustand 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 jointaccount 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:
Average balance of the month
USD 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 todeal 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 balanceamount 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. TheMinor 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 isinvolved 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 perfectlymanicured 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, yourexact 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.
Segments Docs Required
SalariedEmployment Certificate confirming last 12 months work experience
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Tax Document for the past 24 months
Current Salary Slip
Bank Statement for the last 12 months
SEB/SEPLast 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 thebooking 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: 2555
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 flexibilityunmatched 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 DeviceOption 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 PenaltyNo penalty will be charged from the customer if the loan is
been paid off after a year.
Payment HolidaysA unique concept whereby which payment breaks will be given tothe customers on occasions such as Eid etc. Payment Holidays will be given once a year
to the customers.
Payment FlexibilityWhereby 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 productscan 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
balance transfer from other banks credit cards to UBL Credit Card)
24% 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 andgovernment 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 satisfiedcustomer 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 WalletIntroducing 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 theday. 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 fordirect 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 newUBL 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 listeddenominations.
Apply Now
To apply for UBL Mega Wallet VISA just:
Call UBL's 24x7 Contact Center at 111-825-888 (UAN).
https://www.ubldirect.com/BankingServices/CardProducts/UBLMegaWallet/UBLInterBankFundsTransfer.aspxhttps://www.ubldirect.com/BankingServices/CardProducts/UBLMegaWallet/UBLInterBankFundsTransfer.aspxhttps://www.ubldirect.com/BankingServices/CardProducts/UBLMegaWallet/UBLInterBankFundsTransfer.aspxhttps://www.ubldirect.com/BankingServices/CardProducts/UBLMegaWallet/UBLInterBankFundsTransfer.aspxhttps://www.ubldirect.com/BankingServices/CardProducts/UBLMegaWallet/UBLInterBankFundsTransfer.aspxhttps://www.ubldirect.com/BankingServices/CardProducts/UBLMegaWallet/UBLInterBankFundsTransfer.aspx7/30/2019 Faisal Bhatti
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Visit your nearest UBL branch or
If you already have an account with UBLClick hereto download the UBL Mega Wallet
VISA Application Form. Fill out the form and submit it at your UBL branch.
Annual Fee (Rs.) Daily Limits (Rs.)
Card Type Primary Supplementary ATM Withdrawal Debit Card Funds Transfer (UBL
to UBL)
Funds Transfer (UBL to other banks)
Mega Wallet 500 250 40,000 100,000 100,000 100,00
Retail Asset ProductsUBL 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 branchesUBL 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 prosperitythroughout 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 : [email protected]
https://www.ubldirect.com/Corporate/index.aspx
Branch: 0165-KUTCHERY ROAD MULTAN
https://www.ubldirect.com/https://www.ubldirect.com/mailto:[email protected]://www.ubldirect.com/Corporate/index.aspxhttps://www.ubldirect.com/Corporate/index.aspxhttps://www.ubldirect.com/Corporate/index.aspxmailto:[email protected]://www.ubldirect.com/