UBL Loans

CARDS & LOANS

UBL CARDS

UBL BUSINESS LINE

UBL CASHLINE

UBL ADDRESS

UBL DRIVE
UBL BUSINESS Line
 Features

 Loan amount from 500,000 to 10 million.

 Financing upto 70% of property value.
 Markup on the Utilized amount only.
 No fixed monthly installments.
 Balance Transfer Facility.
 Applicable Mark up

 Applicable markup rate will be adjusted every six months based

on prevailing KIBOR six months Ask side.

 KIBOR prevailing on the 1st of January & 1st of July Plus Margin
= Applicable Rate

 Margin Is defined at : 4.60%

 Current Applicable Rate Is : 14.60% Per Annum

 Utilization based Mark up rate has been discontinued.

 HIGHLIGHTS

• Cashline was launched in Nov 2004

• Till Date Launched in 25 cities
• Customer-base of over 69,000
• Total limits sanctioned exceeding 9.3Bn
• Portfolio Utilization Percentage 60%
• Ending Net Receivable (ENR) 5.7Bn
 CASHLINE – Product Concept

• Cashline is an unsecured revolving running finance facility

Running Finance

Unsecured

Revolving
 CASHLINE – Benefits

   

 No fixed monthly installment. 

 Principal repayment at customer convenience. 
 No prepayment penalty.
 ATM card.
 Registration to UBL Netbanking.
 Markup control
 CASHLINE – Product Concept

• Cashline is an unsecured revolving running finance facility

Running Finance

Unsecured

Revolving
 CASHLINE – Benefits

   

 No fixed monthly installment. 

 Principal repayment at customer convenience. 
 No prepayment penalty.
 ATM card.
 Registration to UBL Netbanking.
 Markup control
Orientation
 UBL DRIVE…An Overview

• Launched in May 27 ’ 04.

• ENR of more than Rs. 24.5 billion.
• Portfolio of more than 65,000 cars.
• Largest Auto Financing Product of Pakistan
• Present in over 50 cities across Pakistan.
• Highest ever Loans in single month (3223 in March 2007)
 MARKET SHARE

MARKET SHARE
14%
28%
9%

8%

12%
7%
22%
ALFALAH SCB
CITIBANK NIB
MCB Others (Faysal, Saudipak etc)
UBL
Thank You