1.

Introduction:
Every commerce student after completion his degree or during the degree completion doing
internship in any company or bank. Internship help out to polish your abilities and skills. You
come to know your abilities. You learn how to work with team. I’m choosing united bank
limited for my internship. United bank servings his services to their customer since 1959.they
provide various facility to their customer, try to fulfill their needs and demands.

Vision of UBL:

“To be a world class bank dedicated to excellence and to surpass the highest expectation of
our customer and all other stakeholder.”

Mission of UBL:

 Be the undisputed leader in financial services for our customer

 Most innovative and fastest growing bank in targeted business
 Set the highest industry slandered for quality

1.1. Overview of the organization

1.2. Brief history:

Agha Hassan Abedi is the founder of united bank limited. They founded the bank in
November 7th 1959 with capital of RS 20 million. United bank limited registered as Joint
Stock Company. First branch in Chandigarh. And after six months working united bank have
5 new branches in different places. Karachi, Dacca, Lahore, Lyallpur, Chittagong and
Naryanganj. United bank limited have asset of 620 billion. The first saving scheme for school
going children was introduce in 1960s.in 19971 united bank limited launch 3 new online
branches in Karachi. Acquire new bank with international bank in 1978.the solid track record
of united bank 1 trillion asset. United bank operates 1281 branches in allover the Pakistan.in
which including 22 Islamic banking and 1 branch is export processing zone.in outside the
Pakistan united bank have 18 branches. United bank also introduce credit and small loan
schemes for medium and small enterprise customer. Throughout the united bank history they
will try to fulfill the customer needs with rapid change in demands and requirement of
customer. UBL introduce new scheme of Pak Rupee traveler check in 1971.in 2002
government of Punjab privatize the united bank of limited.
 1.3. Nature of the organization:

United bank limited is a banking company.it engaged in commercial activities. United

bank limited launch in 1959.united bank limited is one of the most famous bank in
term of deposits,loan and advances. United bank limited under ownership of two most
familiar group Abu Dhabi Group and the best way group. United bank provide
commercial and other financial services to their customer. They work with the vision
of world class bank and try to meet the expectation of our customer and stakeholder.
Mission of united bank limited try to work in undisputed environment, positively
contribute in economy of Pakistan, achieve best level of expectation.

Achievements of united bank limited:

 In 2003 2004 and in 2005 united bank awarded by the largest investment bank
by the CF of Pakistan.
 Best domestic bank award in 2007
 Brand leadership award in 2007
 1n 2010 united bank was initiative to introduce visa debit card
 First time introduce Omni service

The core values of united bank limited:

 Teamwork
 Excellence
 Honesty of purpose
 Customer first

Services include:

 Deposits
 Savings and bank credit loan
 Personal loan
 Corporate loans and equipment loans
 Retail asset product
 Omni branch banking
 Card product
In 2002 united bank merged its operations with national bank of Pakistan. United
bank owns 55% with national bank of Pakistan. United bank introduce credit card in
2011.

1.4. Number of branches:

United bank limitedhas large number of branches national and international level.in
1983 united bank have 1623 branches and in 1974 only 1238 branches. In 2003 united
bank have 1007 branches with increasing trend in branches.in 2013 united bank grow
with 1300 branches in different world sector.

1.5. Subsidiaries:

United bankhave four subsidiaries:

1. United Bank AG
2. United National Bank Limited
3. MKwepu/Kaluta Street
4. United executer and Trustee Company limited

1.6. Number of employees:

1.7. Board of director

Chairmen

Sir Muhammad Anwar Pervez

Director

Mr.zameer Mohammad Choudhry

Haiderzameer Chohdery

Mr. Rizwan Pervez

Mr. Amin Uddin

Mr. Arshad Ahmed Mir

Mr.zameer Sajjad

Mr. Khalid Ahmed Sherwani

President and CEO

Mr.Wajahat Husain

There are following employees working in united bank limited 1604 branch:

Name designation

M.sadiq Branch manager

Irfan Ashraf Customer service operation

Miss Fatima Retail banking Officer

Khalid mehmod Customer service representative

Khalid mehmod Chief Teller

Miss Huma Saba Personal banker

Atiq Ur Rehman Universal teller/outsource cash officer

and Miss Khaseema zainab

Zeshan arif Liability sale Officer

Miss Iqra Sorter

1.8. Main office

Registered office (thirteen floor Blue area Islamabad)

Head office (Chandīgarh road Karachi)

Total staff

Total 10 members work in united bank limited 1604 branch

 Branch manager
 Customer service operation
 Retail banking Officer
 Customer service representative
 Chief Teller
 Personal banker
 Universal teller/outsource cash officer
  Liability Sale Officer
 Sorter

Liability Sale Officer Outsource cash officer are contract base and others all members
are permanent.

1.9. Product portfolio

There are following customer using product and services of united bank limited:

1: United bank limited Karobar loan:

Karobar loan helpful for small and medium enterprises .they grow up their business to
take loan from bank. Peoples can take loan against pledge your property.

2: United bank limited sahulat loan:

When you want increasing your saving for future united bank give you facility of
sahulat loan. You can take loan against your deposits account and government
securities.

3: United bank smart loan:

United bank give you facility of cash on your investment and also savings which you
save in bank. It’s also called UBL mutual fund.

4: United bank limited rice husking loan:

United bank give facility of rice husking loan to sole proprietorship and partnership
business to purchase fresh crop.

5: United bank limited cotton ginning loan:

United bank limited provide to small and medium enterprises. Provide loan to
purchase the fresh crop of raw cotton.

6: United bank limited Prime Minister Youth business loan:

United bank limited introduce new loan facility for youth to startup new business and
entrepreneurs.

7: Deposit products:

 UBL business partner

  UBL Mukamal current account
 UBL Mahana Aamdni saving account
 UBL basic banking account
 UBL first minor savings account

8: Retail product

9: Treasury and capital market

 Foreign exchange desk

 Money market desk
 Derivatives desk
 Liquidity desk
 Capital market desk
 Fixed income sale

10: UB online:

Through UB online you can access your account information easily. Can edit can maintain
your account information. You can access UB online from everywhere in the world. Make an
ID enter your password and get access to your account.

11: Omni branchless banking:

You can avail this facility to your nearest “Shop”.

12: Card products:

 UBL Wiz card

 UBL mega wallet
 UBL premium debit MasterCard
 UBL credit card

13: Retail asset products

 Agricultural loan
 Small loans

14: International bank account number

15: Priority banking

16: UBL Amen

17: Foreign exchange services for resident Pakistan individual

18: Investment banking

19: UBL Go Green product

 UBL Go green internet merchant acquiring

 UBL Go green E. statement
 UBL Go green sms alerts

20: Remittance form

21: UBL net banking

1.10. Competitors:

United bank limited is a financial institution so facing high competition from other
banks. Main competitors are following:

 Muslim commercial bank

 Bank Al-falah
 Bank of Punjab
 National bank of Pakistan allied bank limited

1.11. Organizational structure:

Head office

Provisional head head quarter

Zonel officer
 Hub branches

Branches

1.12. Organization chart:

Chairman

Deputy chairman

Board of director

Executive committee

Managing director

Deputy managing director

 Executive vice president

Senior vice president

Vice president

Senior assistant vice president

Assistant vice president

1.13. Branch hierarchy:

Branch manager

Customer services operation manager

 Retail banking officer

Customer service representative

Chief Teller

Personal banker

Universal teller/outsource cash officer

Liability sale officer

Sorter

1.14. Departments:

 Deposit department
 Human resource department
 Cash department
 Remittance department
 Account opening department
 credit department
  sales department
 Clearance department
 Operation department

1.14.1. Deposit department:

The main function of banking sector is accept the deposit. Deposit of bank play an
important role in bank progress. United bank limited offers different type of accounts.
You can open your account in Pakistani rupee. UBL offer following account:

 Current account
 Transactional account
 Banking accounts
 UBL transaction

1.14.2. Human resource department:

Human resource department play an important role to hire a new employee. Does
following activity:

 Job analysis
 Job description
 Job specification
 Recruitment

The objective of human resource department is:

 Hiring the best employee through recruitment

 Train the employees for better performance of bank
 Awarded with reward to employees for better performance and doing work
well.

Human resource management functions include:

1.14.3. Recruitment and selection

Through recruitment process united bank identify personal needs of peoples and first
try to recruit people inside the bank if not available then hire from outside the bank.
Select the best one who have experienced and know how about work.
 1.14.4. Performance appraisal
Through this function united bank appreciate the employees for their best
performance. United bank use different function of performance appraisal for
different designation.

1.14.5. Cash departments:

In cash department all cash transaction are recorded. Cash transaction included:

 Check demand draft

 Deposit receipt
 Check receipt
 Online transaction
 Remittances
 Cashier check

1.14.6. Remittance department:

In remittance department received the payment outside the country means cash over
the counter for example western union and express money. This department is in all
branches of united bank.

1.14.7. Account opening department:

United bank limited provide you the facility of opening your account in bank, in any
branch of UBL. Provide information of any new account centralized account
processing system.

1.14.8. Credit department:

Through credit loan department united bank provide the loan facility to needed
peoples for any need. Also provide facility of installments on loan payment.

1.14.9. Sales department:

United bank provide the facility to their customer for fulfil the needs UBL Omni, wiz
prepaid debit card. Also hire liability sale officer and outsourced cash officer.

1.14.10. Clearance department:

United bank provide facility of outward clearing and inward clearing.

1.14.11. Operation department:

In operation department detail available about all task performing in bank. The
activity mentioned in this department which are doing according rules and regulation.
 1.14.12. IT department:
Information technology department introduce for maintenance of computer database.
For example ATMs and mail system of bank.

Structure of finance department:

Managing director

Deputy managing director

executive vice president

Senior vice president

Vice president

Senior assistant vice president

 Assistant vice president

1.15. Functions of the finance department

Every branch of bank have own bank account in which they manage all cash
tranasaction and other cash activivites.at the end of the period bank able to estimate
assets revenues liabilties and expences.this all transaction send to finance department
for maintain the record.finance department send to state bank of pakistan and state
bank of pakistan publish in business newspapr on weekly consolidated statement of
banks.The main function of finance department is maintain liquidity of bank by
arranging the funds.finance department is responsible for make physical investment
on behalf of bank.

The person who manages the financial resoures of the bank called financial
manager.duties of financial manager are as follows:

 Prepration of financial reports

 Overseas the accounting,audit and budgetdepartment
 Overseas the investment of fund
 Supervise cash management activities
 Manage the cash

1.15.1. Use of electronic data:

Now a days in banking sector electronic media use for different activities. United
bank provide facility of online banking, net banking, mobile banking, and ATMs to
their customer. Use internet for email services. Now a day’s prepare financial
statement through electronic media (internet).it’s helpful to prepare daily, monthly,
quartly, half yearly and yearly reports.

1.15.2. Daily base reports:

 Statement of condition
 List of new accounts
 Customer accounts
 ATM transaction

1.15.3. Monthly base reports:

 Consolidated income
  Incidental charges
 Customer ledger

Quarterly base reports:

 Unclaimed deposit
 Size wise deposit
 Debit to deposit accounts
 Classification of deposit accounts

Half yearly base reports:

 Customer transaction ledger

 Account changing reports
 Profit posting reports

Yearly base reports:

 Zakat exemption reports

 Zakat reduction reports

1.15.4. Sources of funds:

 Deposite from customer
 Borrowing from financial institution

1.15.5. Allocation of funds:

 Lending to financial institution
 Advances
 Investment in different securities

2. Internship programme:
2.1. Introduction of branch (1604):

I have done my internship in united bank limited branch pahrianwali (1604).it situated
in tehsil phalia district M.B.Din. All staff of UBL was much cooperated and help me
in every matter which I’m not understand.in this branch total 9 members work one tea
boy and 2 guards.
 2.2. Internee work:

I’m working in remittance department during my internship. I’m learning during my

internship how deal cash transfer one place to another within country an outside the
country. Learning following function:

 Weston union
 Cashier cheque
 Remittance inward
 Remittance outward
 Cash over the counter

2.2.1. .6 weeks work detail:

1st week:

01/07/2016 Friday Introduction of bank

and staff not proper
work doing
04/07/2016 Monday Give overview of
various department

05/07/2016 Tuesday Tell me about

account opening

06/07/2016 Wednesday Learn about account

opening and doing
practical work
07/07/2016 Thursday Collect some
important data for
my internship report

2nd week:

08/07/2016 Friday Create account of

peoples
11/07/2016 Monday Create account

12/07/2016 Tuesdays Create account

13/07/2016 Wednesday Introduction of western

union
14/07/2016 Thursday Collect some data for my
internship report
3rd week:

15/07/2016 Friday Western union payments

receive process

18/07/2016 Monday Payment receive process

19/07/2016 Tuesday Introduction of cashier

cheque
20/07/2016 Wednesday Why, when and how
need the cashier cheque

21/07/2016 Thursday Collect information for

report

4th week:

22/07.2016 Friday Introduction to cash

over the counter

25.07/2016 Monday Learning about cash

over the counter
2/07/2016 Tuesday Process of cash over
the counter

27/07/2016 Wednesday Introduction of

remittances
department
28/07/2016 Thursday Collect data for
report

5th week:

29/07/2016 Friday Learn about

remittance
01/08/2016 Monday Learn about
Remittance inward
and outward
02/08/2016 Tuesday Learn about UBL
Wiz card

03/08/2016 Wednesday How to issue Wiz

card

04/08/2016 Thursday Collect data for

internship report

6th week:

05/08/2016 Friday Overview of

operation
department
06/08/2016 Monday Overview of finance
department

07/08/2016 Tuesday Some cashier

responsibilities

08/08/2016 Wednesday Finalize the data for

internship report

09/08/2016 Thursday _

2.2.2.
Western union:
Western union use for sending money one country to another country. Digits of
account number not specify. Specific process to receive the payments.

 Your account demand unique and copy of your CNIC

 Then you enter number into western union account
 Then enter your CNIC no.
 Then you write down the amount you required
 Then you enter name, address, phone number, issued and expiry date of CNIC
of beneficiary
 After that signature of beneficiary
 You can watch your received payment at cash counter
 2.2.3. Cashier cheque:
Cashier check is a guaranteed by bank.becuase bank is responsible to paying the
amount so signature are compulsory.

2.2.4. Cash over the counter:

Through cash over counter you can send money from abroad to Pakistan.one number
provide to the customer by beneficiary to whom money sent. Procedure of sending
money:

 Show your unique number to banker

 Show your CNIC number to banker
 then banker enter your number in login
 Banker enter all information related to beneficiary
 Then take print of document
 Banker take signature of beneficiary
 Finally beneficiary received amount to show this document on cash counter

2.2.5. Remittance inward:

Through inward remittance foreign bank transfer fund to home country.

2.2.6. Remittance outward:

Transfer of money in foreign exchange by a resident to beneficiary which is situated
within or outside the country.

I also learn following task:

How to issue UBL Wiz card

United bank provide facility to their customer Wiz debit card.this card use for online
shoping.wiz card have different types according age and needs of customer.

 Teen age
 Ladies
 travelers

Account opening:

I’m also learn how to create account. Following procedure follow for creating
account:

 You must tell purpose of creating the account in bank

  You choose type of currency I which you want to create account
 You can asked nature of account either I’m open the account separately or not
 Banker tell you types of account
 You select the account according your requirement


There are following types of account in bank:

 United bank unit saver account

 United bank business partner account
 United bank business partner plus account
 United bank first minor account
 United bank rupee transaction account

There is some requirement to open the account in bank:

 Take your original CNIC and also copy of CNIC.

 If you are educated and use signature rather than thumb stamp then you must
take your passport size photo.

3. Critical analysis:
3.1. Ratio analysis:

3.1.1. Current ratio:

Current asset
Current liability

2015 2014 2013

1.147 1.175 1.163

Current ratio shows the current liquid position of an organization.

 United bank limited have 1.163 asset to cover 1 liability in year 2013.
 United bank have 1.175 asset to cover up 1 liability in 2014
 United bank limited have 1.147 asset to cover up 1 liability in 2015.
As a standard current ratio has 2:1 standard ratio answer so united bank is
significantly less than standard value.
 3.1.2. Working capital:
Current asset-current liability

2015 2014 2013

185849 199976 148325

Interpretation:
Working capital ratio shows how much asset to recover your liability. United bank limited
have meaningful asset to cover up liability.

 In 2013 united bank 143825 asset

 In 2014 united bank have 199976 asset
 In 2015 united bank have 185849 asset.

Day’s sales receivables:

No. of days in a year x gross receivables

Net sales

2015 2014 2013

22.3% 23.9% 25.7%

Interpretation:
Day’s sales in receivable ratio shows that in how much days you can recover your
sales money.

 In year 2015 united bank recover their sales in 22.3 days

 In year 2014 united bank recover their sales in 23.9 days
 And in year 2013 recover their sales in 25.7 days

A/c receivable turnover in days:

No. of days in a year x average gross receivables
Net sales

2015 2014 2013

46.5% 41.2% 45.1%

Interpretation:

Day’s sales in inventory:

No. of days in a year x ending inventory
Cost of gods sold
2015 2014 2013

2.1% 2.0% 1.9%

Interpretation:
Inventory turnover in days:
No. of days in a year x average inventory
Cost of gods sold
2015 2014 2013

43.5% 49.6% 52.4%

Interpretation:
Price to earnings ratio:
Market price per share
Diluted earnings per share
2015 2014 2013

46.2 49.5 39.6

Interpretation:
Price t earnings ratios measures investor respond to owing a company stock and also
the cost of issuing the stock market ratio are concerned will the return and value of
investment.

Dividend payout ratio:

Dividend for per common shareholder
Diluted earnings per share
 2015 2014 2013

3.5% 3.4% 3.3%

Interpretation:
The dividend payout ratio highlight the situation of dividend paid to the shareholder
against the organization income, however dividend payout ratio also tells about the
financial positioning and profit standing of an organization. higher the dividend
payout then higher the goodwill of an organization.

 In 2015 year united bank have 3.5 dividend payout

 In year 2014 have 3.4 dividend payout
 And in year 2013 have 3.3 dividend payout

Dividend yield:
Annual dividend
Price per share

2015 2014 2013

47.8 51.3 50.1

Interpretation:
Dividend yield ratio is a indication of financial position of an organization. This ratio
shows that how much a company payout it dividend relative to its share price.

 United bank have 47.8 payout in year 2015

 United bank have 51.3 payout in year 2014
 United bank have 50.1 payout in year 2013

Book value per share:

Total common share holder equity
No. of common shares
2015 2014 2013

5.1 5.3 4.0

Interpretation:
Book value per share ratio shows the value of an equity of an organization relative to
the market. Book value per share ratio provide a comparative analysis between book
value and market value.

 In year 2015 united bank limited have 5.1 equity

 In year 2014 united bank limited have 5.3 equity
 And 4.0 equity of united bank in year 2013

3.2. Horizontal analysis:

Through horizontal analysis financial analyst compares ratio in a company’s financial

statements over a specific time period.

Horizontal analysis of balance sheet

Assets 2015 2014 2013

Cash and balances with treasury 203% 196% 87%
bank
Balances with other bank 62% 22% 10%
Lending to financial institution 7.2% 24% 21%
investments 115% 15% 10%
advances 209% 155% 110%
Fixed asset 330% 30% 15%
Defferd tax asset 101% 80% 54%
Taxation recoverable 99% 99% 99%
Other asset 287% 230% 150%
Total asset 135% 90% 58%

liabilities 2015 2014 2013

Bills payable 100% 50% 39%
borrowing 660% 387% 185%
Deposit and other accounts 110% 78% 54%

Sub ordinated loans 90% 90% 90%

Liabilities against asset 90% 90% 90%

Subject to finance lease 90% 90% 90%

Defferd tax liabilities 80% - -

Defferd liabilities 90% 90% 90%

Other liabilities 180% 100% 34%

Total 140% 90% 50%

Horizontal analysis of profit and loss account:

Return/interest earn 350% 260% 120%

Return/interest expand 790% 540% 215%
Net markup interest income 240% 189% 90%
Provision against loan 123% 334% 180%
Provision for diminution 103% 20% 7%
Bed debts 7101% 1980% 189%
Net markup return 169% 179% 90%
Fee commission and brokage income 254% 201% 70%

Dividend income 580% 940% 150%

Income from dealing in foreign 80% 49% 50%
currencies
Gain on sale of securities 53% 82% 79%
Unrealized loss on revaluation of 90% 90% 90%
investment
Other income 159% 20% 90%
Total non-markup 89% 49% 8%
Non markup interest expenses 139% 125% 50%

Administration expenses 110% 70% 24%

Other provision 50% 49% 38%
Other charges 210% 370% 20%
Total non-markup interest 93% 58% 19%
expense
Profit before taxation 189% 200% 109%
Taxation 170% 180% 105%
Profit after taxation 209% 250% 120%
Unappropriated profit brought 1649% 1011% 508%
forward
1021% 809% 398%
Transfer from surplus 10% 22% 20%
Profit available for appropriation 989% 781% 381%
3.3. Vertical analysis:

Vertical analysis is a proportional analysis of financial statement.

Vertical analysis of balance sheet

Asset 2015 2014 2013

Cash and balances with treasury 10.1% 11.21% 8.11%
bank
Balances with other bank 0.19% 3.12% 3.53%
Lending to financial institution 4.21% 6.71% 5.12%
investments 20.1% 14.85% 17.61%
advances 50.21% 50.64% 51.54%
Fixed asset 3.02% 1.12% 1.20%
Defferd tax asset - 0.15% 0.59%
Taxation recoverable - - -
Other asset 1.34% 1.54% 1.4%
Total asset 90% 90% 90%
liabilities
Bills payable 1.16% 1.01% 1.05%
borrowing 11.14% 9.01% 5.89%
Deposit and other accounts 70.43% 70.43% 80.32%
Sub ordinated loans 1.11% 1.23% 1.14%
Liabilities against asset - - -
Subject to finance lease 0.12% 2.06% 1.69%
Defferd tax
Defferd liabilities - - -
Other liabilities 2.12% 2.15% 1.69%
Total liabilities 90% 91.32% 92.04%

Total liabilities and share capital

100% 100% 100%

Vertical analysis of profit and loss account

2015 2014 2013

Return/interest earn 100% 100% 100%
Return/interest expand 40.21% 35.64% 29.01%
Net markup interest income 54.12% 60.41% 68.15%
Provision against loan 12.43% 4.85% 5.64%
Provision for diminution 0.01% 0.32% 0.74%
Bed debts 2.12% 0.87% 0.12%
Net markup return 42.45% 52.44% 60.22%
Fee commission and brokage income 11.21% 12.3% 11.32%
Dividend income 1.21% 2.45% 1.11%
Income from dealing in foreign 1.09% 2.11% 3.31%
currencies
Gain on sale of securities 2.01% 0.79% 1.85%
Unrealized loss on revaluation of 0.01% 0.05% 0.02%
investment
Other income 3.87% 2.19% 5.00%
Total non-markup 22.32% 20.43% 23.43%
Non markup interest expenses 61% 72.54% 8.32%
Administration expenses 30.12% 36.43% 33.30%
Other provision 0.45% 0.59% 1.60%
Other charges 0.01% 0.05% 0.02%
Total non-markup interest expense 31.29% 32.15% 39.43%
Profit before taxation 30.32% 40.32% 44.41%
Taxation 10.23% 12.32% 17.45%
Profit after taxation 19.45% 27.21% 28.70%
Unappropriated profit brought forward 29.13% 22.10% 16.20%
50.55% 50.78% 45.64%
Transfer from surplus 0.10% 0.20% 0.40%
Profit available for appropriation 49.10% 49.21% 46.20%

3.4. Industry analysis:

Comparison of united bank limited with Habib bank limited:

particulars United bank Habib bank

branches 1,079 1,489
Profit 8,402 10,084,037
employees 14,904 1,4552
advances 299,354,736 382,172,734
Deposits 401,637,816 531,298,127

3.5. Future prospective of the united bank:

United bank always try to fulfill their customer needs. United bank try to introduce new
function in bank. Try to compete with other bank through innovations. United bank plans to
expand the market to make innovation in distribution network. United bank management try
to manual system branches in online branching for convenience of customer. United bank
management also want to increase in ATM system.

4. SWOT analysis:
To identify company’s internal strengths and weakness and external opportunities and threats.

4.1. Strengths:

 United bank offer unique and innovative services

 Attract their customer to provide good quality services
 United bank is second largest private bank in Pakistan
 United bank have experienced well trained employee
 United bank have facility of paid up capital
 A well manage online networking
 Increasing trend in market share
 United bank is one bank who introduce prepaid vise debit card
 United bank have large network of 1218 branches
 United bank provide the variety of products and services to their customer
 United bank keep trying to restructure the commercial banking operation
 Provide facility of rupee travelers cheque
 Provide facility of Tazraftar you can easily deliver your money everywhere in
Pakistan
 Introduce the universal teller service
 United bank increase resource mobilization
 United bank always keep trying to improve the customer services
 They provide facility of cheque encasement facility
 United bank provide facility of unit saver account
 United bank also introduce new services of Hajj counter and offered loan
opportunity
 United bank is third largest bank of Pakistan in deposit term
 Offered customize products and services rather than their competitors
 Try to improve operational activities
 Management of united bank also work on extension in branches
 Better position in stock exchange as profitable bank
 They provide maximum salaries and incentives to their employees

4.2. Weaknesses:

 No stander of branches
 Services of united bank not good as compared to other banks
 Not know how to use new technology
 Unit bank has minimum new technology
 Not all branches are computerized
 United bank not provide efficient services to customer
 United bank not use long term strong strategies
 Offered minimum profit on profit and loss account
 Communication gap among the staff
 People getting job with illegal way
 Workforce of united bank is not diverse
 In united bank employees are experienced but not properly deal with customer
that effected the image of bank
 United bank have no trainee center for employee

4.3. Opportunities:

 United bank extend its branches in other cities of Pakistan

 Opportunity to adopt new strategy which is beneficial for bank
 United bank can offer new innovative product and online services
 United bank can increase their operation through attract the small enterprise
customer to fulfil their needs
 United bank can get edge through make all branches computerized and
offering innovative product to customer
 United bank can expand their operation to give attention to industrialization
concept
 Great opportunity for the united bank that they have branches in UK, USA,
UAE where no competitors
 Proper orientation of employees help to compete with foreign banks
 United bank should improve the call center services

4.4. Threats:

 High competition in banking sector

 Lack of deposit
 Expansion of commercial banks may make cause of low market share of
united bank
 Changing demand of customer
 Instability of government
 Increase in growth size
 Political influence
  High competition due to introduce new innovative services

Recommendations:
On the basis of SWOT analysis I recommend the united bank limited

 Hire the experienced employee

 Provide proper security system in all branches
 Held orientation facility in all branches
 Arrange contingent staff
 One employee appoint only for one designation for proper working
performance
 For cash counter appoint the responsible person

5. Conclusion:
Internship is very useful for commerce student. They learn many knowledgeable
things. I have done my internship in united bank limited branch 1604 pahrianwali. All
staff members are very cooperative and helpful. I’m work in remittance department
and few other task learn. United bank is strongest bank of Pakistan. They provide
many facility to their customer.

Experience at united bank are very useful for me. Opportunity to learn new things
apart from regular course.