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It begun with a vision, a vision of unparallel progress and unmatched excellence

true to the spirit of the era! November 7th 1959, Pakistan witnessed an event that
would change the way we banked forever. It was not just the inauguration of UBLs
first branch at I.I. Chundrigar; it was also the birth of the culture of service, a culture
of innovation and a culture of financial excellence!
By June 1960, shortly after six months of opening its doors to the public, UBL had
branches in:
KarachiDacca LahoreLyallpurChittagong and Narayanganj

In 1963, UBL became the first bank in Pakistan to have a branch overseas- on
William Street in London, United Kingdom. True to our promise of providing service
and care beyond the ordinary to our customers, UBL and You have had a history.
The first saving scheme for school going children was launched as early as 1960 or
the formation of Pakistans first Staff College of employees in 1964, UBL, through
the motivation of its staff and the trust of its customers, continued to grow at a
spectacular pace. In 1967, UBL had hit the dawn on information in terms of
technology, by introducing computer banking to Pakistan and in 1971, UBL once
again paved the way by launching 3 online branches in Karachi. The newly formed
state of Pakistan was witnessing the boom of industries and commerce cannoned
by a bank that believed in the potential growth of Pakistan. Small wonder then, by
1978, UBL had a pledged economic department, had acquired two international
banks. UBL also launched supervised credit and small loan schemes for small to
medium sized firms as well as agriculture and had made for itself, a strong
international presence for we had branches in 4 continents.
Throughout its history, UBL has kept pace with- and often exceeded the changing
needs of changing times. Keeping the tradition of innovation alive, UBL introduced
Pakistans first credit card, the UNICARD in 70s and left its mark by launching the
Pak Rupees traveler cheques in 1971. Staying true to its roots, UBL was also the first
bank to have an Islamic banking division and the first to introduce e-banking
facilities at Hajj.
In the 1990s the government of Pakistan decided to change the face of banking by
creating a blueprint to privatize UBL. At this point, financial experts were called on
board to set the bank back on course, and with implementation of relevant changes,
the government privatized the bank in the year 2002 Best way and Al Ayaan
collaborated, forming the cornerstone for the UBL of tomorrow.
Today, UBL opens its eyes to a new vision every day, a vision of resurgent
excellence and renewed commitment to our customers. 52 years into our glorious
history UBL is now part of one of the worlds largest financial services groups.

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

SME Products

UBLRiceHuskingLoan
UBL Rice Husking loan is available for Medium Enterprise (ME) customers. Its exclusively designed for rice
husking units. Company can be a Sole Proprietorship, Partnership and Private Limited companies and will
be available for purchase of fresh crop of paddy from the growers and open market.
more
UBLCottonGinningLoan
UBL Cotton Ginning loan is available for Medium Enterprise (ME) customers. Its exclusively designed for
cotton ginning units. Company can be a Sole Proprietorship, Partnership and Private Limited companies and
will be available for purchase of fresh crop of phutti / raw cotton from the growers and open market.

more

UBLKarobarLoan
UBL Karobar Loan is a solution for easy access of cash required to grow your business. It is exclusively
designed for small and medium enterprises keeping in view their business expansion and growth plans. UBL
Wusat-e-Karobar is available against mortgage of your property including residential, commercial and
industrial.

more

UBLSahulatLoan
UBL Sahulat Loan gives you access to cash while maintaining and growing your savings. You can borrow
against your savings to meet your business. UBL Sahulat facility is available against deposit account and
Government Securities including DSCs, SSCs and RICs.

UBLSmartCashLoan
UBL Smart Cash offers you easy access to cash as you can get up to 85% cash against your investments /
savings in UBL Mutual Funds. Smart Cash provides you a financial solution with flexibility.
more
UBLPrimeMinistersYouthBusinessLoan
Prime Ministers Youth Business Loan scheme is an initiative by Government of Pakistan for small
businesses particularly unemployed educated youth for establishing or extending business enterprises
thereby promoting entrepreneurship and reducing unemployment & poverty in Pakistan.

What is the Markup-Rate?


Our markup rate is liked with 1 Year KIBOR; however we offer different rate every
month based on KIBOR rate for that particular month. For any further queries you
can contact our Sales Person.
What should be the minimum property value?
Rs. 8 lacs
Can I take the loan against commercial property?
NO, only residential property
How much time will it take to process my loan application?
The processing time required from the time you give in your application to the time
you are finally handed over your loan amount, ranges from 15 to 20 days. Provided
all the required documents that you provide are in order.
What is the free insurance deal?
Throughout the market, Property Insurance is mandatory for Home Loan Products.
All other banks charge insurance fee from the customers, where as with UBL
Address we provide it to you absolutely free of cost.
I live in XYZ area, am I eligible to avail your facility?
Please contact your Sales Person for your eligibility to avail the facility.
What Are the Repayment modes?

Drop Box Facility

Phone Banking*

Internet Banking*

Cash

* If customer maintains an account in UBL


What would be the tenor of the loan?
The tenor can range between 3 to 20 years depending upon the facility that you
choose.
Can I transfer my existing house loan to "UBL Address"?
With our "Balance Transfer Facility" you can now transfer your existing home loan
taken from any other bank or financial institution to UBL Address. You will have the
opportunity to avail low mark-up, maximum flexibility and free property insurance
option at UBL Address.
My monthly household income is Rs. 60,000 while my individual income is
Rs. 20,000. Do I qualify?
You can apply through income clubbing also if minimum income requirement is
fulfilled (Conditions apply for spouse's age limit & profession).
Will I have to pay any other charges besides the mark-up on the loan?
There are nominal charges for application processing, appraisal and income
estimation, These charges are non-refundable
What is Free Property Insurance?
Throughout the market, Property Insurance is mandatory for Home Loan Products.
All other banks charge insurance fee from the customers, where as with UBL
Address we provide it to you absolutely free of cost.
What is the No Prepayment Penalty feature?
With UBL Address Fixed Rate Plan, if a customer wishes to settle his/her loan any
time after the fixed rate period has lapsed, there will be no pre-payment penalty
charged provided that the customer settles the loan via cash. In the case of BTF etc,
prepayment penalty will be levied @ 4% of the outstanding loan amount at the time
of its settlement.
What are Partial Payments?

Partial payments are payments over and above a customer's monthly installment. If
a customer wishes to make repayments in addition to his/her monthly installment,
we allow the customer to make it once a year.
Partial Pre-Payment for previous acquisitions:

Partial payment ('No Penalty option) is allowed once a year. The amount of
partial payment should be in the range of Rs.50, 000 or 6 monthly
installments.

If a customer, decides to partially payoff any amount that is in excess of his 6


monthly installments, he will be charged a penalty of 4% in the first year, 3%
in the second year and 2% in the third year onwards, on his additional partial
payment amount.

If the customer wants to make more than one partial payment of any amount
in a 12-month period then he will be charged a penalty of 4% in the first year,
3% in the second year and 2% in the third year onwards, on his full /2nd
subsequent partial payment.

For New Acquisitions:


Max 6 monthly installments, penalty charges apply on amount exceeding Rs. 50,000
or 6 monthly installments.

8% for Year 1,

5% for Year 2,

3% in Year 3 & onward