Comparative

Financial Analysis of
UBL & ABL
 Contents
Sr. Particulars Pg.
no no

1 Introduction of UBL & ABL

2 Vision & mission of UBL & ABL
3 Deposit product/types of account of UBL & ABL
4 UBL Types of account and features of these account
5 UBL Types of account and features of these account
6 Financial standing of UBL & ABL
7 Deposit Portfolio/Total Deposit Base of UBL & ABL
8 Net Loans And Advances Portfolio of UBL & ABL
9 Investment portfolio of UBL & ABL
10 Investments by segment
11 UBL investment VS ABL investment
12 Conclusive Analysis
Analysis of Customer lending of UBL & ABL
Analysis of Customer credit risk/ lending Management
Analysis of Earning from investment
Analysis of investment and return

1
 Money Market Assignment
Requirements
Select any two conventional banks or Islamic banks.
Which types of account is offered by these selected banks
and different features of these banks account.
Return on these banks account is on monthly, half year,
yearly basis.
Investment portfolio of these selected bank.
The first component of investment is Lending to customer,
only give consolidate figure of this lending. Detail
discussion of each segment of lending to customer is not the
requirement.
Investment in different segment of financial market (Money
market, capital market ets.
Take consolidate figure of these investment from balance
sheet and detail from notes.
Financial standing(b/s standing)of these banks
Their total deposit base & investment portfolio.
Their profits rates.
Their share price in market.
Conclusion: which bank is better and why?
Give solid reason, why it is better. Reason is not that the
amount of investment of this bank is greater so it is better,
amount and magnitude doesnt matter.
Justification is like that bank short term and long term
management is good, its portfolio management is better and
profitability increase etc. so this bank is better than other.

2
 Introduction:
UBL was incorporated in Pakistan with the
registered office in Karachi, and the principal
office situated in Islamabad.
UBL has assets of over Rs.1 trillion and a solid
track record of over fifty years - in addition, the
bank operates 1281 branches all over Pakistan
including 22 Islamic banking branches, and 1
branch in Karachi export processing zone and
18 branches outside Pakistan.
Ping 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.
52 years into our glorious history UBL is now
part of one of the worlds largest financial
services groups.

ABL started out in Lahore by the name

Australasia Bank before independence in 1942;
and became Allied Bank of Pakistan in 1974.
In August 2004, because of capital
reconstruction, the Banks ownership was
transferred to a consortium comprising Ibrahim
Group; therefore, it was renamed as Allied Bank
Limited in 2005.
Today, with its existence of over 70 years, the
Bank has built itself a foundation with a strong
equity, assets and deposit base
The Bank has a large network of 1000 online
branches and over 850 ATMs in Pakistan and
offers various technology-based products and
services.
3
 Vision

To be a world class bank To become a dynamic and

dedicated to excellence, and to efficient bank providing
surpass the highest expectations integrated solutions in order to be
of our customers and all other the first choice bank for the
stakeholders customers.

MISSION

Set the highest industry standard for

To provide value added services to
quality, across all areas of operation,
our customers
on a sustained basis
To provide high tech innovative
Optimize people, processes and
solutions to meet customers
technology to deliver the best
requirements
possible financial solution to our
customers To create sustainable value through
growth, efficiency and diversity for all
Become the most sought after
stakeholders
investment
To play a proactive role in
Be recognized as the employer of
contributing towards the society
choice

SLOGAN

4
 DEPOSIT PRODUCTS / TYPES OF
ACCOUNTS

Offered Local currency Offered Local currency

deposits deposits

.Types of Types of
.

conventional conventional
account account

Islamic bank
Islamic bank account
account

Foreign currency deposit Foreign currency deposit

UBL & ABL DEPOSIT PRODUCTS

LCY account:

Conventional Islamic
account account

Current Fixed/term
Saving
account account
account

UBL TYPES OF ACCOUNT AND FEATURES OF

THESE ACCOUNT
5
 1. CURRENT ACCOUNT:
1.1. BUSINESS PARTNER ACCOUNT
UBL Business Partner comes with unmatched free offers. UBL truly value your partnership
and believe in offering you the preference you deserve. Now individuals, sole proprietorships,
partnerships and Government accounts can become our preferred Business Partner by
maintaining Rs. 250,000/- or above in their current account.
1.2. UBL BUSINESS PARTNER PLUS
The UBL Business Partner Plus is a unique product with multiple benefits. It is a specialized
current account, which aims at providing the necessary tool for individuals, traders,
businessmen and commercial customers to transact their bank related business activities
nationwide through a single platform. On maintaining a monthly average balance of Rs.
25,000 or more ubl provide different facilities like free cheque book etc.
1.3. UBL Basic Banking Account
To accommodate the banking needs of low income groups, United Bank Limited is pleased to
launch the UBL Basic Banking Account Scheme (UBL BBA) across its branch network all over
Pakistan. This is primarily aimed toward helping the low income group to benefit from the
banking services without having the pressure to maintain specific balance amount with the
banks.
1.4. UBL Mukammal Current account
UBL Mukammal Current account offers a range of benefits and free services allowing
transactional flexibility to the modern day customer. It is a Pak Rupee non-remunerative
checking account that aims to provide necessary tools to:-

Individuals,
Traders,
Businessmen and
All Commercial entities
Also unlike any other current account there is no monthly average balance requirement on
this, which makes it all the more unique and attractive to customers.

1.5. UBL Asaan Account

UBL Asaan Account is a new and convenient service through which any individual can open an
account. Simply fill out a brief form and pay initial deposit as low as Rs. 100. UBL resolves to
give maximum ease and convenience to every Pakistani.
2. Saving/ term account:
2.1. UBL Rupee Transactional Account:
If you choose to keep a deposit in a secured savings account which also gives an
attractive rate of return, then UBL's PLS Savings Account will serve all your financial
needs. By keeping your deposits in UBL's PLS Savings Account you can also avail the
following services: No limitation on withdrawals, Share of profit is credited on half-
yearly basis &Profit is calculated on monthly average balance.
2.2. UBL UniFlex Account
UBL has introduced a checking account ideal for rate conscious individuals, traders,
organizations, monthly savers and customers who want transactional flexibility. You can now
afford an amazing rate of return, plus value added benefits only available from the UBL
UniFlex PLS Savings Account. Remarkable rate of return, Convenience of a cheque book,
Power of Wallet VISA ATM / Debit Card, Online Banking Facility.
2.3. UBL UniSaver Account
UBL UniSaver Account is an innovative way of serving your banking needs. Be it trade,
business or personal finance, the UBL UniSaver allows you maximum flexibility, yet gives you
optimum returns. Innovative and flexible checking account, Profit is calculated on monthly

6
 average balance, Profit payment is on six monthly basis, Backed by the bank awarded AAA
Credit Rating.
2.4. UBL First Minor savings account
UBL First is a savings account opened on behalf of a child in the name of the father or mother or
a court-appointed guardian and the minor. UBL First is designed especially for children and aims
at becoming every child's first bank account, helping inculcate a savings habit. It is tailored to
meet a child's future financial needs in a planned and convenient manner.
2.5. UBL Special Notice Deposit Receipts (SNDR)
If you wish to park funds for a short term period then UBL offers Special Notice Deposit Receipts
(SNDR). Special Notice Deposit Receipts are daily profit products with fixed notice period (7
Days and 30 days) and periodical profit payouts, governed under the rules of the profit and loss
sharing (PLS) system.
3. Fixed Account
3.1. UBL Profit-Certificate of Deposit (COD)
Now you can earn a higher income on your surplus cash by investing it in Certificate of Deposit
which helps you earn extra income with your hard earned money while providing absolute trust
and security. Two Types of Profit Payment Options:

Profit Payment at Maturity

Monthly Profit Payment

3.2. UBL Mahana Aamdani Term Deposit

UBL Mahana Aamdani Term Deposit is a unique Term deposit account, offering competitive
high yield profit rates, primarily targeting rate conscious customers who are dependent on
monthly fixed income. Avail one of the best and most stable rates of return by investing in UBL
Mahana Aamdani Term Deposit Minimum Investment is Investment starts from Rs. 25,000/-.
However, there is no upper limit on maximum investment & Profit Payout

Monthly Profit Payout

Profit rate remains the same during the Tenure despite fluctuation in money market

4. Islamic accounts:
4.1. Ameen Mukammal Current Account (AMCA)
UBL Ameen Asaan Current Account is a new and convenient service through which any
individual can open an account. Simply fill out a brief form and pay initial deposit as low as
Rs. 100/-.
4.2. Ameen Business Account (ABA)
These are current account based on the Shariah compliant mode Qard with No Minimum
balance requirement & No Profits or Loss will be shared with the customers Allied Islamic
Current Account is a banking account for day to day transactions.
4.3. Ameen Asaan Current account
Ameen Mukammal Current Account is a checking account which aims to provide the
necessary tools to individuals, and corporate customers to transact their entire bank related
business and personal activities. Funds received are on the basis of Qardh and are used
only in Shariah compliant business.
4.4. Ameen Asaan saving account
UBL Ameen Asaan Saving Account is a new and convenient service through which any
individual can open an account. Simply fill out a brief form and pay initial deposit as low as
Rs. 100/-.

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 4.5. Ameen Monthly Saving Account
These account is based on Shariah compliant mode of Mudaraba. Profits or Loss will be
shared, Ameen Saving accounts are a tier based saving account where the expected rate of
return increases in each progressive tier. Funds are received are used only in Shariah
compliant business only.

4.6. Ameen Saving Account (ASA)

These account is based on Shariah compliant mode of Mudaraba. Profits or Loss will be
shared, Ameen Saving accounts are a tier based saving account where the expected rate of
return increases in each progressive tier. Funds are received are used only in Shariah
compliant business only.

5. Foreign Currency Deposit

5.1. UBL UniZar Foreign Currency Current Account
UBL UniZar Foreign Currency Savings Account is ideal for those customers and individuals
who wish to maintain a secure foreign currency transactional account which also provides a
return. It is available in 5 leading currencies: US Dollar, British Pound, Euro, Saudi Riyal and
UAE Dirham.
5.2. Ameen FCY Current Account
Ameen Current Account - Foreign Currency is ideal for those customers and individuals who
wish to maintain a secure foreign currency transaction account. Ameen Current Account
(FCY) is a checking account which aims at providing the necessary tools to individuals, and
corporate customers to transact their bank related business and personal activities. Funds
are received on the basis of Qardh and are used only in Shariah compliant business. It is
available in 6 leading currencies: US Dollar, British Pound, Euro, Japanese Yen, Saudi Riyal
and UAE Dirham.

5.3. UBL UniZar Foreign Currency Term Deposit

If you wish to make a secured long term foreign currency investment, UBL's Foreign Currency
Term Deposit Receipt is a smart choice, just make an investment and see your deposit grow
over time. Choose from different range of currencies i.e. US Dollars, British Pounds, and
Euros etc. & term deposits in foreign currency are offered for the following periods of maturity
with variable rates of return: (1) Three Months (2) Six Months (3) Twelve Months

5.4. UBL UniZar Foreign Currency Savings Account

UBL UniZar Foreign Currency Savings Account is ideal for those customers and individuals
who wish to maintain a secure foreign currency transactional account which also provides a
return. It is available in 5 leading currencies: US Dollar, British Pound, Euro, Saudi Riyal and
UAE Dirham.
5.5. UBL FCY UniFlex Deposit Accounts
UBL has introduced a checking account ideal for rate conscious individuals, traders,
organizations, monthly savers and customers who want transactional flexibility. You can now
afford an amazing rate of return, plus value added benefits only available from the UBL FCY
UniFlex, the Best Foreign Currency Savings Account.

8
 ABL TYPES OF ACCOUNT AND FEATURES OF
THESE ACCOUNT:
1. CURRENT ACCOUNT:
1.1. Allied Banks Current Account
this account is suitable for customers looking for a simple bank account for day to day
transactions. With Allied Banks Current Account, you get all the usual advantages and
features of a regular current account for all your daily transactions, frequent payments and
flow of funds. Interest free account
1.2. Allied Asaan Account
Allied Asaan Account has been designed in a way to attract those segments of the
community that are unprivileged and un-educated which may include freelancers, students,
housewives, farmers, laborers, pensioners, etc. All it requires is a valid CNIC/ SNIC and
deposit of Rs.100/- to open an Allied Asaan Account.
1.3. Allied basic banking account
this account is suitable for customers looking to avoid minimum balance requirements and
operate a simple bank account for limited set of transactions. Interest free
1.4. Allied easy current account
Allied Easy Current Account is a recently-launched current account tailored to meet banking
needs of every individual, requiring No Service Charges on Minimum Balance Requirement.
1.5. Salary management account
ABL offers them quick and efficient payroll service with instant credit of salaries and offers
Allied Salary Management Account for employees with free features such as free 1st Allied
Cash+Shop Visa Debit Card, free SMS Alerts and free 1st cheque book.
1.6. Platinum Rewarding Profit Account
Get all the benefits and features of a remunerative current account with premium profit rates
and manage your daily transactions, frequent payments and flow of funds. PLS saving rate
of 4.00% will be applicable for deposits & profit payable on monthly basis
2. Saving/Term account
2.1. ABL PLS saving account
With Profit & Loss Sharing (PLS) Saving Account, you get all the checking account
features with a steady profit rate to grow your savings.4.00% p.a. on monthly average
balance maintained in a month
2.2. Allied Rising Star-youth account
Allied Rising Star is a saving account designed for inculcating saving habits amongst the
children with exclusive free features like Welcome Pack, Birthday Gift, accidental insurance
coverage up to Rs. 500,000, ATM / VISA Debit card and cheque book.
2.3. Allied Advance Profit Plus Payment
Earn Profit in Advance, term 12 month profit in advance Rs. 4,393/-Auto Rollover option
available at maturity on prevailing profit rates as per customers instructions. Option of
Premature Encashment also available.
2.4. Allied Term Plus Deposits
Allied Term plus Deposits reward customers with a guaranteed, highly competitive profit rate
for putting their money away for a fixed amount of time. Tenure of ABL TPD 1 month to 10
years. Profit payable on customer instruction
3. Islamic accounts

9
 3.1. Allied Islamic Current Account
Its a current account based on the Shariah compliant mode Qard with No Minimum balance
requirement & No Profits or Loss will be shared with the customers Allied Islamic Current
Account is a banking account for day to day transactions.
3.2. Allied Islamic Basic Banking Account
Allied Islamic Current Account is a banking account for day to day transactions & operated
based on the mode of Qard with No Minimum balance requirement & no Profit or Loss will be
shared. At parent branch only, the customer will be allowed facilities free of charge during a
month Two Cash Withdrawals &Two Cash Deposits
3.3. Allied Asaan Current account
Allied Islamic Asaan Current Account provides simplified account opening
requirement/procedure aimed for the financial inclusion of low risk customer especially
unbanked/under banked segment of population.
3.4. Allied Islamic Saving Account
Allied Islamic Asaan Saving Account provides simplified account opening
requirement/procedure aimed for the financial inclusion of low risk customer especially
unbanked/under banked segment of population. For Allied Asaan saving account Profit
calculation on average balance of the month and payment on half yearly basis.
3.5. Allied Islamic Anmol Plus Account
A Shariah compliant banking solution for higher saving customers, which is based on
Mudaraba Contract. Allied Islamic Business plus Account will be operated like normal
chequeing accounts on profit/ loss sharing basis. Profits or Loss will be shared on six monthly
basis or as may be decided / declared from time to time at the discretion of the Bank.
3.6. Allied Islamic Khalis Munafa Account
A Shariah compliant banking solution for higher saving customers, which is based on
Mudaraba Contract. & operated like normal chequeing accounts on profit / loss sharing basis.
Profits or Loss will be shared on six monthly basis or as may be decided / declared from time
to time at the discretion of the Bank
3.7. Allied Islamic Sahulat Account
Account will be operated based on the mode of Mudaraba (profit / loss sharing basis).Profit or
Loss will be shared on six monthly basis or as may be decided / declared from time to time at
the discretion of the Bank. Account can only be opened in Pak Rupees only.
3.8. Allied Islamic Business Plus Account
A Shariah compliant banking solution for higher saving customers, which is based on
Mudaraba Contract. Allied Islamic Business plus Account will be operated like normal
chequeing accounts on profit/ loss sharing basis. Profits or Loss will be shared on six monthly
basis or as may be decided / declared from time to time at the discretion of the Bank.
4. FCY Accounts/Deposit
4.1. Allied Islamic FCY Current Account
Allied Islamic Current Account is a banking account for day to day transactions without any
risks or rewards. Initial deposit amount: Rupees 1,000 for Pak Rupees Accounts and 100 units
in respective foreign currency
4. No initial deposit will be required for the followings categories:
i. Mustahkeen of Zakat
ii. Students
iii. Employees of Government or Semi Government institutions for salary and pension
purposes
4.2. Allied Islamic Basic Banking FCY Account
Its a current account based on the Shariah compliant mode Qard with Initial deposit

10
 amount 100 units in respective foreign currency & No Profits or Loss will be shared with
the customers Allied Islamic Current Account is a banking account for day to day
transactions.
4.3. Allied Islamic FCY Savings Account
Allied Islamic Saving account is based on Shariah compliant mode of Mudaraba. Profits or
Loss will be shared on six monthly basis. & Allied Banks Foreign Currency Term Deposit
offers industrys competitive profit rates for your chosen term and is ideal to help you save in a
foreign currency. These particular account is available in multiple currencies, including: US
Dollar, British Sterling Pound, and Euro. FCY TD minimum tenor of 3 months to a maximum of
12 months. Share of interest is credited on 3 months, 6 months, 12 months.
4.4. Foreign Currency Term Deposit
If you wish to make a secured long term foreign currency investment, invest in our Foreign
Currency Term Deposit account and see your deposit grow. Allied Banks Foreign Currency
Term Deposit offers industrys competitive profit rates for your chosen term and is ideal to
help you save in a foreign currency. This particular account is available in multiple currencies,
including: US Dollar, British Sterling Pound, and Euro.
PROFIT RATES AND PAYMENT
FREQUENCIES

CURRENCY 3 6 12
(USD/GBP/EUR) Months Months Months
0 9,999 0.05% 0.05% 0.10%
10,000 49,999 0.15% 0.15% 0.25%
50,000 99,999 0.20% 0.20% 0.30%
100,000 & 0.25% 0.35% 0.40%
ABOVE

Financial Standing
Total Assets
RS. 1.4 / trillion VS RS. 991.7/billion

Investments
RS. 714.136/ billion VS RS. 544.1/ billion

Advances
RS. 454.63/ billion VS RS. 321.6/ billion

Customer deposits
RS. 1.05/ trillion VS RS. 734.6/ billion

Net profit after tax

RS. 2 5,727,149/ VS RS. 15,120,307/

UBL: Business expansion continues with the
balance sheet size reaching Rs. 1.40 trillion
(2014: Rs. 1.11 trillion), an increase of 26%
over the previous year, driving overall
earnings growth.
ABL: Banks total asset base improved
significantly by 18% to reach Rs. 991.67 billion
as at December 31, 2015. The equity base of
Bank displayed resolute growth of 10% during
the year to reach Rs. 89,256 million signaling
Strong performance during the year and
sustainable growth prospects for the future.

11
 DEPOSIT PORTFOLIO/TOTAL DEPOSIT BASE:
UBL: 2015 has been a landmark year for ABL: Banks balance sheet growth largely
the bank as the deposit base crossed Rs. mobilized by increase in deposit base which,
1.05 trillion (2014: Rs.895 billion) with an despite intense competition, grew by 10% to
overall growth of 17% with a highly reach Rs.734,596 million as at December 31,
2015. The focus remained on generating core
diversified deposit portfolio with coverage
deposit through diversified product offerings
across both urban and rural areas, the focus serving the mass market, mid-tier and high
remained on generating core deposit through net worth customer. Total Local currency
diversified product offerings serving the deposits is 676.6 billion have grown by
mass market, mid-tier and high net worth 10% in 2015 & foreign currencies deposit is
57.95 billion have decline by 5%
customer. Total domestic deposits have
grown by 19% in 2015 thus largely funding
balance sheet expansion and driving
sustainable earnings growth despite a year
remained strong at 84% (2014: 85%) with
growth in average current deposits of 15%,
resulting in a 97 bps reduction in cost of
deposits to 3.4%.

NET LOANS AND ADVANCES PORTFOLIO:

UBL: The net loans and advances portfolio
ABL: The net loans and advances portfolio
grew to Rs. 454.63 billion, a growth of 5%
grew to Rs. 321.61 billion a growth of 5%
over the previous year (2014: Rs. 434.26
over the previous year. The international
billion). Asset quality considerations
(FCY) net advances portfolio grew by 55% to
continue to direct lending as the corporate
reach Rs.36.83 billion with more financing &
loan book sustained 2014 levels, with some
local lending is Rs. 303.94 billion decline of
growth across the SME segment. The
2%.
international net advances portfolio grew by
8% to reach Rs.144.93 billion (2014: Rs. Loans, cash credits, running finances,
134.09 billion) with more trade based etc 324 billion.
financing within the GCC. Consolidated Islamic financing and related assets Rs.
figure of loan and Advances portfolio in 139 million in 2015.
Areas of segments: Net investment in finance lease - in
Pakistan Rs. 2.07 billion.
Consumer Finance(Loans, cash Bills discounted and purchased Rs. 4
credits, running finances, etc.): 2015: billion.
Rs. 450.18 billion
Trade Finance(Bills discounted and
purchased): 2015: Rs. 46.02 billion
Provision against advances: 2015: Rs.
41.58 12
 INVESTMENT PORTFOLIO:
UBL: The investment portfolio increased by
44% totaling Rs.714.1 billion from Rs. 497.3
billion in 2014. The liquidity is primarily places
in government securities with Rs. 486.9 billion
being deployed in Pakistan investment Bonds
with a view to earn stable returns and
improving the yields of the earning asset
base. The banks equity book grew by 13%
over the previous year built up with a more
long term view on positions that can generate
stable dividend income. The revaluation
surplus on the bond portfolio as at Dec 15
stood at Rs. 19.5 billion (2014: 12.1 billion)
and Rs. 6.1 billion on equities (2014: Rs. 5.2
billion).
INVESTMENTS BY SEGMENT:
UBL Investments by segment
ABL: The investment portfolio increased by
44% totaling Rs.714.1 billion from Rs. 497.3
billion in 2014. The liquidity is primarily
places in government securities with Rs.
486.9 billion being deployed in Pakistan
investment Bonds with a view to earn stable
returns and improving the yields of the
earning asset base. The banks equity book
grew by 13% over the previous year built up
with a more long term view on positions that
can generate stable dividend income. The
revaluation surplus on the bond portfolio as
at Dec 15 stood at Rs. 19.5 billion (2014:
12.1 billion) and Rs. 6.1 billion on equities
(2014: Rs. 5.2 billion).
13
 ABL Investments by segment

Investment detail:
FOREX MARKET FOREX MARKET
Government of Pakistan Eurobonds 21.79 bn Euro Dollar Bond ($3,000,000) 312 million
Market Treasury Bills 1 3.78 bn Euro Dollar Bond ($3,200,000) 333 million
Sovereign bonds 1 9.04 bn Euro Dollar Bond ($14,910,000) 1.55 billion
CDC SAARC Fund 228 million Euro Dollar Bond ($1,800,000) 187 million
Recovery note 322 million Euro Dollar Bond ($2,000,000) 207 million
Other bonds 11.01 bn Euro Dollar Bond ($3,000,000) 311 million
Euro Dollar Bond ($10,500,000) 1.05 billion
Euro Dollar Bond ($5,000,000) 488 million
Euro Dollar Bond ($4,457,000) 462 million

STOCK MARKET STOCK MARKET

Ordinary shares of listed 9.33 billion Fully paid up ordinary shares of 21.76 billion
companies listed companies)
Preference shares 434 million Fully paid up preference share 25 million
Investments in subsidiaries and 1 1.81 billion Subsidiary 500 million
associates

14
 BOND MARKET BOND MARKET
Pakistan Investment Bond 486.91 billion Pakistan Investment Bonds 340,406,834
Government of Pakistan Sukuk 9 .91 billion GOP Ijara Sukuk 850,594
Term Finance Certificates 6.77 billion GOP Sukuk 6,413,894
Sukuks 4.23 billion Sukuk Bonds 3,215,409
Participation Term Certificates 2 million Term Finance Certificates 4.33 billion
Debentures 2 million

CONCLUSIVE ANALYSIS
CUSTOMER LENDING OF UBL & ABL
Deposits of ABL is less
RS. 734.6 than UBL by 56% &
billion
lending of UBL is also
RS. 321.6
more than ABL by 56%
billion
so lending of both banks
Rs. 72.11
billion are at same proportion.
But UBL earning from
lending growth is 14%
RS. 454.63
more than ABL growth
RS. 1.05 Rs. 94.35
trillion billion billion that is 8%, so from
lending UBL earn more.
CUSTOMER CREDIT RISK/ LENDIN G
MANAGEMENT
RS. 454.63/ billion

321.6/ billion

UBL financing
management is

Rs.9.2
better than ABL
billion Rs.19.09 billion

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EARNING

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