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UBL SWOT Analysis

UBL SWOT Analysis

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Published by Idealeyes

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Published by: Idealeyes on Mar 09, 2010
Copyright:Attribution Non-commercial


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 Submitted To:
Mr. Rashid Saeed 
 Submitted By:
MBA (Morning) 2nd Semester (2009-12) 
Tile of Course:
UBL Introduction
United Bank Limited was established on November 7, 1959 and incorporated as a PublicLimited Company under Companies Act 1913 with authorized capital of Rs.20 million andPaid-up capital of Rs.10 million. In its very first year, it mobilized deposits of Rs.70 millionand earned a profit of Rs.O.7 million. It continued to grow rapidly and soon became one of the largest banks in the country. The main reasons for its exemplary growth were theintroduction, in many instances for the first time in Pakistan, of professional management,computers, economic and business research, latest managerial practices and customer orientationThe Bank is currently operating 1056 Branches Domestically and 15 Branches Overseas(USA, Qatar, UAE, Bahrain and Republic of Yemen). UBL hold 51% of its total shares other 49% shares are owned by Government. After the privatization of banking sector in PakistanUBL implemented its strategies to achieve the comparative advantage in the Market place.UBL due to its innovative corporate culture wins their customer trust. UBL is running four websites to provide information and customer services which are:•www.ubl.com.pk •www.ublonline.com• www.ublfunds.com•www.ublinsurers.comThe depositing services offered by UBL are Business Partner, Rupee Trans A/C, BasicBanking Account, UBL UniFlex, UBL UniSaver, UBL Profit COD, Term Deposits Receipts,FCY Savings, and FCY Term Deposits. The loan and card services are UBL Address, UBLBusinessline, UBL Cashline, UBL Drive, UBL Credit Card, UBL Money, and some other services are UBL netbanking, UBL e-statement, Hamrah, UBL Wallet, UBL Click n Bank,UBL Click n Remit, UBL TezRaftaar.
:•3rdlargest Bank of Pakistan in term of deposits•2ndlargest Privatized Bank of Pakistan•UBL offering Customized Products and services aggressively better then its competitors•Improved operational efficiency as to its past•Courteous Customer service and fast delivery of online and offline services•Marvelous Image and Reputation of the bank in the eyes of its customers•Extensive Branch network •UBL Product positioning is very effective•UBL target the segment like salaried person, business people and self employed person•UBL product positioning affect the life style of the people as they help in improvingstandard of living•1056 Branches all over Pakistan•Stands in the list of Profitable bank in stock exchange•Largest number of corporate deals by any bank is Pakistan•Overseas Branches•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.•In some regions, urban areas of Pakistan service of UBL is not good as compared to other  privatized banks•The application time is also quite lengthy.•UBL is a step behind in using new technology as compared to other banks•All branches need orientation for customer dealing.

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