Tariq Ali Khan Syed Awais

M10BBA056 M10BBA040

Introduction of Organization

United Bank Limited (UBL) is one of the largest commercial banks in Pakistan having more than 1,220 online branches inside the country. Its 15 branches outside the country are in the United States of America, Qatar, UAE, Bahrain, and Republic of Yemen. It also has representative offices in Tehran, Iran, and Almaty Kazakhstan. It owns subsidiaries in the UK (United National Bank Limited), and in Zurich, Switzerland.

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 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

DEPOSIT PRODUCTS UBL BUSINESS PARTNER ACCOUNT UBL UNISAVER UBL MINI SAVER

LOAN PRODUCTS

UBL ADDRESS UBL BUSSINESSLINE UBL SILLAH MILA

Card products

Ubl wiz Ubl credit card UBL MEGA WALLET UBL Premium master debit card Ubl silah mila

Ubl wallet marketing mix

Product UBL Wallet ATM / Debit Card is all the convenience & security you desire and the quality you deserve. This Wallet holds all the cash in your bank account. With UBL Wallet you can withdraw cash at ATMs any time, or make cashless purchases at outlets through the Debit Card facility.

ATM Network

UBL already has its own network of 53 ATMs, which continues to expand by the day.
Funds Transfer UBL Wallet allows three kinds of instant funds transfers through UBL ATMs from your UBL account:
Into any of your UBL accounts Into any pre-linked UBL account Into any other UBL account

Security

Your UBL Wallet functions on a PIN (Personal Identification Number) based system, ensuring complete security of your transactions.
Balance Enquiry Enquire 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.

Price There are two types of wallet, which are introduced Gold For Gold the annual fee is 500 Rupees, plus 250 for any Supplementary card. With this card 40,000 Rupees can be retrieved in a day. While 500,000 Rupees can be transferred in a day. Silver For Silver the annual fee is 300 Rupees, plus 150 for any Supplementary card. With this card 20,000 Rupees can be retrieved in a day. While 300,000 Rupees can be transferred in a day.

Promotion The banners are used all over the Pakistan . Also seminar held about the usage of Wallet Placement For the existing UBL Account holders, the registration form is available at every branch of UBL regardless to whether the branch is offline or online. Also form can be download from site: www.ubl.com.pk and then after filling the form, it can be submitted to the respective Brach of UBL where your account exist. And after 8-10 days they will inform you to collect your Wallet from Branch

Target Market All the debit card holders will be part of our research process irrespective to the gender and age. But mainly our focus will be on three types of people. Mangers Usually utilized such services much more than others.

Marketers
They are important because they may go anywhere for making their product successful. Travelers Those business man who have their business in more than one city and travel day to day from one city to other.

3rdlargest Bank of Pakistan in term of deposits 2ndlargest Privatized Bank of Pakistan Attractive Salaries and incentives for employees Personnel of UBL are very well trained. Majority of employees have many years of experience in banking sector and are an asset for the bank.

No standardization in terms of branches some of the branches are very attractive and most of the branches are not very good like other branches. No separate training center to train their employees The application time is also quite lengthy. UBL is a step behind in using new technology as compared to other banks

3.Opportunities : Bank can extend its network in other cities of Pakistan like other 4 remote cities, it would increase their sales. Proper orientation of employees in all branches can help them to cope up with foreign banks By bringing new technology and modern business processes will bring the change and increase their profitability Call centre services should be improved to enhance their network

4. Threats: Large and increasing competition High operating costs

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