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.