Introduction
United Bank Limited (UBL) is one of the largest commercial banks in Pakistan having more than 1,000
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, Khazakstan. It owns subsidiaries in the UK (United National Bank Limited), and in Zurich,
Switzerland.
Agha Hasan Abedi founded the bank in 1959. In 1971 the Government of Pakistan nationalized
the bank. In 2002, the Government of Pakistan sold it in an open auction to a consortium of Abu
Dhabi Group and Bestway Group.
In 2002 the bank merged its operations in the UK with those belonging to National Bank of
Pakistan to form United National Bank Limited. United Bank owns 55% of the joint-venture and
National Bank of Pakistan owning the remainder. Atif Riaz Bokhari, President & CEO of UBL
was brought by President General Musharraf from Bank of America. Atif is younger brother of
General Asif Riaz Bukhari, a commando who is a close friend of General Musharraf.
UBL has assets of over Rs. 550 billion and a solid track record of fifty years - in addition to the
convenience of over 1112 branches serving you throughout the country and also at several
overseas locations.
Chairman
His Highness Shaikh Nahayan Mabarak Al Nahayan
Deputy Chairman
Sir Mohammed Anwar Pervez OBE
President & CEO
Mr. Atif R. Bokhari
Services
Consumer Banking
Commercial banking
Corporate Banking
Investment
Treasury
UBL Ameen Islamic Banking
Consumer Banking: Retail banking refers to banking in which banking institutions execute
transactions directly with consumers, rather than corporations or other banks. Services offered
include: savings and transactional accounts, mortgages, personal loans, debit cards, credit cards,
and so forth.
Commercial Banking: A commercial bank (or business bank) is a type of financial institution
and intermediary. It is a bank that provides transactional, savings, and money market accounts
and that accepts time deposits.
Investment: Investment is putting money into something with the expectation of profit. More
specifically, investment is the commitment of money or capital to the purchase of financial
instruments or other assets so as to gain profitable returns in the form of interest, dividends, or
appreciation of the value of the instrument (capital gains). It is related to saving or deferring
consumption.
Treasury: A treasury is any place where the currency or items of high monetary value (gold,
diamonds, etc.) are kept.
UBL Ameen Islamic Banking: Also known as participant banking Islamic banking refers to a
system of banking or banking activity that is consistent with the principles of Islamic law
(Sharia) and its practical application through the development of Islamic economics.
Online Banking
UBL’s state of the art online banking, customers are able to access their account from more than
900 branches located in 150 cities across Pakistan. Transactions such as Cash Deposit, Cheque
Encashment, Stop Payment, Account Statement, Funds Transfer, Bill Payments are done online
without the need to travel to the local branch.
Deposits, Commercial Products, Cards & Loans
Whether someone is an individual or a small/medium-sized business, UBL has opened a world
of convenience for everyone. Along with the benefit of choosing from the largest product
portfolio, it offers efficient personalized banking services. UBL experts can assist us with the
right mix of banking services that will help you manage the varied financial situations that we
may come across. UBL responds to everyone’s needs promptly because it understands how many
their customers and their employees depend on them. Driven by customer service, UBL aims at
managing elevated standards.
UBL Business Partner, Current Account
UBL Credit Card - Chip Credit Card
Rupee Transactional Account (RTA) - Pls Saving Account
UBL Wiz - Pakistan’s First Prepaid Visa debit Card
UBL UniFlex
UBL Wallet - Visa ATM Debit Card
UBL Unisaver
UBL Address - Home Loan Facility
Certificate of Deposit
UBL Businessline - Business Financing Loan
Foreign Currency Savings
UBL Cashline - Running Finance Facility
Foreign Currency Term Deposits Receipts
UBL Drive - Auto Loan
Regular Term Deposits Receipts
UBL Agricultural Loan
Special Notice Deposits Receipts
UBL Small Business - SME Loan
UBL Basic Banking Account
UBL Premium Debit MasterCard
UBL First Minor Saving Account
UBL Silah Mila Campaign
UBL Business Partner Plus
Additional Services & Information
IT Structure
Group Head IT (looking all countries)
Head of IT Project management office
a. IT PMs
b. Head of Software development
c. Head of IT Operations
Head of Infrastructure and Networks
a. Manager Networks
b. Manager Datacenter
Head of Core Banking (New)
a. Manager Core Banking systems
b. Head of Genesis (managing in-house development of various branch systems and
core-Banking
Head of Uni-Bank (Old Core Banking)
1. Development team.
Head of e-Commerce Division
1. Head of e-Commerce technology
2. Head of Branchless Banking
Development of Information System
UBL has a very huge software development department which is responsible for developing
software in-house. These include
Remittance Software
Branch Tellers Softwares
Operation management software
SMS Applications for sending alerts to client
Mobile application for branchless banking
Internet banking
Cheque clearing system etc
Core Banking – old Uni Bank
UBL has also bought software from different vendors few are given below
ATM Switch and Middleware
Core Banking system centralized – new Symbols
Credit cards system
Debit cars system
Anti money laundering system
Oracle Financials
Fraud analysis system
Transactions and systems monitoring system
Hardware and networks management systems
Disaster management systems
And many more banking systems
Hardwares
IBM machines for installing above systems
Intel based machines
Network routers
Mainframe servers for core banking systems
Networks systems to support disaster site outside Karachi
Database Servers for hosting DBs of above software
Security Hardware
Uses of the Hardwares & Softwares
For debit cards issuance
Regular banking applications
Monitoring all ATMs and maintain their cash
Maintain security and check frauds
Issuance and maintenance of credit cards
Infrastructure management
Account
Financial reports
Reports to SBP
In branchless banking technology is useful to cater need of customers and reach them
easily.
E-banking
Remote banking
Benefits of these Hardwares & Softwares to the Company
Cost saving
Efficient use of system
Customer satisfaction
Bring more business
High uptime of ebanking systems
Reaching customer at remote places
Setup of low cost branches
Centralized management of all the systems
Proper MIS reports fro management
Fast and quick service to customers
