1. MBA MIS www.vustudents.net

2. United Bank Limited
Internship Report

3. Brief introduction of United Bank Limited
Overview
One of the largest banks in Pakistan
Agha Hasan Abedi founded this United bank Ltd in November,
The government of Pakistan nationalized it in 1971.
In 2002, the Government of Pakistan sold it in an open auction to a consortium of Abu Dhabi and Bestway Groups
In 2002, it merged its operations in the UK belonging with the National bank of Pakistan.

4. Product lines UBL Drive The UBL Credit Card VISA Debit Card UBL Wallet
UBL Profit COD
Personal loan
Car financing
Mortgage
Business Finance

5. Brief introduction of United Bank Limited
Business Volume
Share capital
1012 m
Reserves
1806 b
Assets
620 b
Advances
400 b
Market share Rate
9.6%
Deposit
500 b
Earning per share
8.5
Profit before tax
10.6 b
Profit after tax
6.9 b

6. Brief introduction of United Bank Limited
Competitors
National Bank of Pakistan
Habib Bank Limited
Allied Bank Limited
MCB Limited
Standard Chartered Bank
The Bank of Punjab

7. Introduction Of Branch
This Branch is located in machianwala (1360).
It is 15 km far from district Vehari.
This branch belongs to Sahiwal zone.
It has 9000 account holders.
It deals with accept deposits, remitting of funds, online banking and loan facility.
This branch has a well managed staff.

8. Organizational hierarchy chart
President
Group Head Investment Banking
Head Project and Structured Finance
Head syndication
Head Equity and Advisory
Transactor
Manager
Transactor
Transactor
Manager
Transactor
Transactor/Research
Manager Transactor
Asset Manager Trustee Function
Transactor

9. Organization Management Analysis (OMA)
skilled management
workshops to train its employees
manage workshops manually or quarterly basis
management provides better service to customers
lack of employees in UBL so the work presser increases in each employee.

10. Training Program Filling the Account opening form
Filling of deposit slips
Filling the cheques for customers
Customers guidance
Entry of cheque book

11. Structure and Functions of the MIS Department
Department hierarchy
Manager
Technician
Assistance

12. Structure and Functions of the MIS Department
responsibilities of the department
Bild & maintain the interl network
Develops applications according to the needs
Proper working of computer system and internet security
Keep and maintain database according to demand.

13. Structure and Functions of the MIS Department
functions of the department
Enterprise resource planning
Proper working of computer system
Choose and develop network design
Maintained of hardware and software
Employees training for the usage of technology

14. Critical Analysis
Comparison of organization’s strategies with its vision and mission statements
Vision statement
To be a world class bank dedicated to excellence, and to surpass the highest expectations of our customers and all other stakeholders.
Mission Statement
Excellence
Meeting ever-growing standards
Consistent in our growth
Best in class in any business we initiate
Strive to provide world class service
Your expectations-Our Goals
Wow impact on every encounter

15. Critical Analysis
Comparison of organization’s practices with the theoretical concepts
Set goals and make strategies to achieve targets mention in vision and mission statement. Set goals in various departments and achieves them.
31/ Dec/ 2009 to 31/Dec / 2010
Deposit Department:
will increase from 125.m to 156 m till 2010
Advance Department
Will increase from to m
Profits will increase from to m

16. Organization’s Analysis
SWOT Analysis
Weaknesses:
Shortage of system and employees
work pressure
Lack of small infrastructure in small branches.
Lack of promotion
Strengths:
3rd largest Bank of Pakistan in term of deposits
well trained personnel
Innovation through products
Improved operational efficiency
Threats:
advertising campaign
Continuous downfall of the country economy since the last few years
Opportunities:
Innovate the product line
Services that satisfy the customers.
Advertising
Proper orientation of employees

17. Organization’s Analysis
Internal Factor Evaluation Matrix
Internal Strength
Weight
Rating
Weighted Score
3rd largest Bank of Pakistan in term of deposits
0.10 4
0.40
1st largest Privatized Bank of Pakistan
0.12
0.48
Improved operational efficiency as to its past
0.04 3
Extensive Branch network
0.08
0.32
UBL Product positioning is very effective
standard of living
0.05
0.15
Stands in the list of Profitable bank in stock exchange
Largest number of corporate deals by any bank is Pakistan
Attractive Salaries and incentives for employees
0.60
Overseas Branches
Internal Weakness
In some regions UBLservice is not good as compared to others 1
UBL is a step behind in using new technology as compared to other banks 2
All branches need orientation for customer dealing.
0.03
0.06
Security system in most of the branches is not up to the mark.
Most of the employees are overload with the work and promotion is also not timely
Total Weighted Score
3.1

18. Organization’s Analysis
External Factor Evaluation Matrix
Opportunities
Weight
Rating
Weighted Score
Keep on giving services that satisfy the customers
0.11 4
0.44
Proper orientation of employees in all branches can help them to cope up with foreign banks
0.12 3
0.36
New technology and modern business processes
0.10 2
0.20
Call centre services should be improved to enhance their network
0.15
0.60
Innovate the product line
0.16
0.48
Threats
Large and increasing competition 1
Consistent policy for products
0.05
Lack of huge deposits
0.08
High operating costs
The future trend is another threat because UBL is offering high markup rates. This additional price is also a threat for UBL.
Total Weighted Score
2.67

19. Organization’s Analysis
TOWS Matrix
SO Strategies:
By utilizing internal strengths e.g. good financial position, well trained and skilled employees and also its internal resources UBL can get opportunity for external assets.
WO Strategies:
UBL have the weakness of lake of staff, it will recruit more skilled staff to less the work burden and also increase employees abilities.
ST Strategies: UBL uses this strategy when various banks opening new branches in order to overcome competitive threats.
WT Strategies:
UBL trained it employees with the modern technology to overcome the technology effects.

20. Organization’s Analysis
Competitive Profile Matrix
UBL
HBL
ABL
Critical Success Factors
Weight
Rating
Weighted Score
Advertising
0.20 3
0.60 2
0.40 4
0.80
Product quality
0.15
0.30
0.45
Market share
0.10
Competitiveness
Management
Financial position
Customer loyality
Globel expention
0.05
Total
1.00
2.95
2.65
2.70

21. Organization’s Analysis
BCG Growth-Share Matrix
Stars
UBL is now in a position of high market share in high growth market. UBL as a star generate large amounts of cash because it has strong relative market share, but also consume large amounts of cash because of high growth rate.
Question Marks
Some new products having low market share in high growth market because buyers have yet to discover them. UBL uses marketing strategy to get markets to adopt these products. UBL goal must be to grow the businces to become a star.
Cash Cows
UBL nearly will get high market share in a mature market. Soon UBL will achieve competitive advantage, when it becomes cash cows then it have high profit margins and generate a lot of cash flow.
Dogs
Dogs are with low market share in low growth market. UBL should maintain its market shares and make more investment to pervent to become dogs.

22. Organization’s Analysis
Porter Five Forces Matrix
Degree of Rivalry
The strength of rival of competing firms e.g. UBL, HBL and ABL is powerful. It is most likely to be high in these banks because there is a threat of substitute products and existing power of suppliers and buyers in the market.
Threat of Entry
If same firms say UBL, HBL working and a new bank ABL enters will show the balance between these three banks competing in the market. It also refers ABL entry may become threat or opportunity for any one
The Threat of Substitutes
The threat of substitute products pose to an industry's profitability depends on the relative price-to-performance ratios of the different types of products or services.
Buyer Power
The most important determinants of buyer power are the size and the concentration of customers. The buyer’s power illustrates customer’s impact on an industry. When buyer power is strong, its relationship to UBL becomes closer
Supplier Power
If UBL have the ability to charge customers different prices in line with differences in the value created for each of those buyers usually indicates that the market is characterized by high supplier power and at the same time by low buyer power.

23. Organization’s Analysis
Asnoff Matrix
Market penetration
UBL uses this strategy to increase its market shares by increasing sales of current products. UBL achieve it by a combination of competitive pricing strategies, advertising, sales promotion and more resources dedicated to personal selling.
Market development
UBL uses this strategy to sell its existing products into new markets. UBL uses different pricing policies, new product dimensions and develop new distribution channels to increase sales.
Product development
UBL uses this strategy by increasing product development and selling it to existing markets. UBL modified its products to according customer’s needs and wants and which are demanded in the existing market
Diversification
UBL adopt diversification strategy, so it takes a clear idea about what it expects to gain from this strategy and an honest assessment of the risks

24. Conclusion Efficient management Employees are cooperative.
UBL focus on the customer need and fulfill it.
All the transactions are entered into computer system. It’s an efficiency of UBL.
I enjoyed my internship in UBL because its very helpful to know the real life working environment.

25. Recommendations
UBL must concentrate on the promotion of their products
The Bank has a lot of financing schemes but there is very little advertisement of these schemes. So Bank should increase its advertisement.
All the Bank Branches should be getting online to provide the quality and speedy services to the customers and also remain competitive in the market.
UBL must provide the computers to all important employees to increase the peace of work.
The branch infrastructure should be up to date.
UBL needs to create good relations with industrial cities.

26. Thank You