United Bank Limited · PSX:UBL
United Bank — BlackRock Investor Conference, March 2022
10 slides from United Bank's conference presentation, March 2022
Slide 1: Investor Presentation: Performance Highlights and Business Outlook
United Bank Limited Investor Presentation Performance Highlights and Business Outlook BlackRock Investor Conference, March 2022 Digitization of Banking Services & Financial Inclusion Speaker: Mr. Shazad G. Dada – President & CEO
Slide 2: Overview of operating environment this year… banking sector repositioning towards strong recovery
Overview of operating environment this year… banking sector repositioning towards strong recovery Rate Regime Interest Rate remained low throughout the year – tightening from Sep onwards Investment Strategy Market mainly investing in short term government securities Pandemic Effect TERF disbursement
Slide 3: Pakistan Landscape - Huge Opportunity to invest in one of the largest markets in Asia
Pakistan Landscape - Huge Opportunity to invest in one of the largest markets in Asia Emerging Digital Total Population Male Booming E-Commerce Landscape 238 M 51% • Digital Onboarding Framework • 45 Fintech Startups • Digital Banking License Female • 40% engaged in • Roshan Digital Urban 49% Paymen
Slide 4: Key initiatives of the regulator have played a huge part in promoting the Digital Landscape
Key initiatives of the regulator have played a huge part in promoting the Digital Landscape Promoting digital payments across all segments Micro Faster processing and settlement of retail transactions Payment Interoperability between banks, PSOs/ PSPs, licensed Gateway wallets (MPG) Electronic
Slide 5: UBL on its way to carve out and develop a new segment for Digital Banking customers
UBL on its way to carve out and develop a new segment for “Digital Banking” customers Limitations of traditional Customer Segments Segment Behavior banks Seeing “digital” as a channel Bank in Pocket Prefer doing everything remotely O P P Costly infrastructure – not viable to O serve low-mid income e
Slide 6: UBL Digital Transformation Journey (2018 – 21) to create a niche position in the Pakistan Market
UBL Digital Transformation Journey (2018 – 21) to create a niche position in the Pakistan Market 2,300 Key Pillars of Our Strategy Pakistan’s Best Digital Pakistan’s Best Bank Award by Asiamoney Digital Bank 1 Start small & build foundation Award by PBA Agreement signing between UBL, Temenos and NDC
Slide 7: In 2022 we will focus on our strategic priorities as we build on our market leading position
In 2022 we will focus on our strategic priorities as we build on our market leading position Core Segments to gain market share Our Strategic Priorities to grow the franchise Strong Deposits Growth Estate: Improve Branch profitability with cost 1 Domestic Average Deposits growth of 19% lead by build
Slide 8: We are embedding ESG into UBL's Strategy…. Some key themes
We are embedding ESG into UBL’s Strategy…. Some key themes Environmental Social Governance UBL recognizes its obligation to continuously Building more Transparent Governance improve its processes, systems, products and Creating Institutional Trust services in order to create value for the The earth
Slide 9: For any queries please contact:
For any queries please contact: Aameer Karachiwalla Chief Financial Officer Email: aameer.karachiwalla@ubl.com.pk Phone: +92-21-990332152 Arif Akmal Saifie, CFA, FCA Financial Controller and Head of Investor Relations Email: arif.saifie@ubl.com.pk Phone: +92-21-990332971 9
Slide 10: Important Information
Important Information The information contained herein reflects our latest business statement as at December 31, 2021. Except the historical information contained herein, statements in this Release which contain words or phrases such as ‘will’, ‘would’, ‘indicating’ expected to’ etc., and similar ex
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