United Bank Limited (UBL) has the second highest local CASA deposit base after MCB Bank Limited (MCB) and this potentially will result in a healthy 32.3% increase its Non Interest Income (NII) in CY14 due to rising spreads. The bank will be less sensitive to asset quality shocks in the increased interest rate environment because of its prudent lending policies. Bank’s diversification via international operation provides a cushion from potential loss of currency devaluation. We anticipate United Bank Limited (UBL) to report bottom-line of Rs. 20.35bn in CY14 translating into EPS of Rs. 16.62. Please refer to the valuation matrix on the following page for key annual financials. 2QCY13 Result Highlights: During 2QCY13, Net Interest Income (NII) declined sharply due to lower realized interest rates and provisioning against Non Performing Loan’s (NPLs). Increase in non core earnings about 33% primarily comes from gain on sale of securities. The bank posted earnings of Rs. 3.52/share translating into PAT of Rs. 4.3bn for the quarter. Furthermore, the bank announced an interim cash payout of Rs. 2.0/share. Valuation: United Bank Limited (UBL) stock is currently trading at CY14(E) P/Bv of 1.70x yielding significant upside to justified P/Bv multiple of 1.99x. We reiterate Positive stance for the stock with a Dec-14 TP of 166.45/share.
Verdiene Geld online mit bewährten Strategien! Möchtest du endlich den Durchbruch schaffen und online erfolgreich Geld verdienen? Lerne von Experten, die bereits den Weg zum Erfolg geebnet haben. Vergiss das Rätselraten und folge einem klaren, erprobten Plan! Jetzt kannst du dir den UBL-Kurs sichern – günstiger als je zuvor, mit nur einer einzigen Zahlung! Was du bekommst: UBC-Kurs im Wert von $499 Exklusive Bonusmaterialien im Wert von über $2.200: Über 30 Leitfäden für digitales Marketing mit MRR/PLR-Rechten Die drei meistverkauften Digital Marketing Guides Mehr als 20.000 ästhetische Content-Videos für gesichtslose Marken Sofortiger Zugang: Nach dem Kauf erhältst du innerhalb von 24 Stunden den Zugang. Alle Kursinhalte und Boni stehen dir direkt zur Verfügung, inklusive fünf PDF-Dateien mit Links zu allen Ressourcen. Kursinhalte: Sales Funnel aufbauen Branding Essentials Startpläne Instagram meistern Erfolg auf TikTok Inhaltserstellung E-Mail-Marketing-Strategien Marketing Tricks Produktivität steigern Organisationstipps Instagram Reels für Anfänger Videobearbeitung mit ULLO Videobearbeitung mit CapCut Erstellung hochwertiger Videos MRR Erfolgskonzepte Marketing ohne Gesicht Beauty-Business-Branding Erfolgsmindset Verkaufstipps für Onlineprodukte Tägliche Erfolgstaktiken Affiliate-Programm Grundlagen ChatGPT anwenden Digitale Produktentwicklung ManyChat einrichten Warum der UBL-Kurs? Über 270 Video-Lektionen Downloadbare Funnel- und E-Mail-Vorlagen Wöchentliche Live-Q&A- und Mindset-Sitzungen Erhältlich in Englisch, Spanisch, Französisch und Deutsch Lebenslange Updates, ohne zusätzliche Kosten! Häufig gestellte Fragen: Muss ich den Kurs weiterverkaufen? Nein, viele Teilnehmer nutzen den Kurs, um ihre eigenen Geschäftsziele zu erreichen. Ein Weiterverkauf ist möglich, aber nicht verpflichtend. Wie kann ich mit diesem Kurs Geld verdienen? Verkaufe den Kurs weiter und behalte 100% der Einnahmen. Nutze die erlernten Fähigkeiten, um dein eigenes Geschäft auszubauen. Kombiniere den Kurs mit anderen Produkten, um deinen Wert zu steigern. Starte jetzt und setze auf bewährte Methoden, um dein Einkommen zu steigern und deinen Erfolg online zu sichern!
Bring the versatility of classic workwear to your wardrobe with the OBEY Women’s Carpenter Pant. Cotton twill is used on the regular fit design for a balance of comfort and durability. Only adding to this, an elasticated waistband and button closure combine for a perfect fit, while two hand pockets, two back pockets, and a carpenter’s patch pocket on the right leg provided plenty of storage. The OBEY Women’s Carpenter Pant has an ankle hem and is finished with a woven OBEY label on the back right pocket. - 100% cotton - Regular fit - Elasticated waistband / button closure - 2 front slant hand pockets / 2 back pockets - Ankle hem Care & Material Cotton twill Colour Unbleached Product Code 242020085UBL
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Keep your precious floors unscathed with our UBL Furniture Protectors, a pack of 28. Perfect for those who value their home's aesthetics and want to avoid those ghastly scratches and marks that furniture can leave behind. With these protectors, you're not just buying a product, you're investing in preserving the life and beauty of your floors. Prevents nasty scratches and marks Easy to apply and fits most furniture legs Durable material for extended use Clear design blends with any furniture Preserves the beauty of your floors Our protectors are easy to apply and fit most furniture legs, providing a competitive advantage over other brands. They are made from durable material, promising longevity. The clear design ensures they blend seamlessly with your furniture, maintaining your home's elegant vibe. So, why let your furniture wage a war against your floors? Grab our UBL Furniture Protectors and maintain the charm of your home effortlessly
Stand Out on Pinterest with 110 Instagram Story Slides for promoting the Ultimate Branding Course! 100 Done-for-You Instagram Story Slides (NOT THE UBC COURSE) Fuel your marketing strategy and captivate your audience with our exclusive set of 110 Story Slides designed specifically for promoting the Ultimate Branding Course (UBC). This bundle is your key to crafting compelling narratives that resonate, engage, and drive interest in the UBC. BENEFITS: ★ Engaging Content: Stand out in the digital crowd with professionally designed templates that captivate your audience. ★ Time-Saving: Say goodbye to starting from scratch; my templates save you valuable time and effort. ★ Versatility: These slides are branded according to the UBC course, but you can easily tailor these for various purposes, offering flexibility in your marketing strategy. Easily customize images, text, and colors to suit your needs using the free Canva. Modern design is fully editable in Canva. Save yourself hours of design work! The best part? You can resell the slides for a 100% profit! They come with Master Resell Rights (MRR) and Private Label Rights (PLR) so you can edit and resell them. The slides are branded to match the course aesthetics. However, you can modify everything from fonts to colors! NOTE: This product typically sells for $17-$27 FREQUENTLY ASKED QUESTIONS: CAN I MAKE CHANGES? ✦ Yes! You can make changes to the products, add pages, delete pages, change colors, fonts, graphics! Whatever you want to do to suit your brand. ARE THERE ANY LIMITATIONS ON ANY PRODUCTS? ✦ If there are any limitations or special requirements on any of our products, these will be communicated in the product description, please ensure you are fully aware of the product description and read this fully before purchasing any products. It is the buyers responsibility to ensure you are aware of any limitations on products before you purchase. CAN I RESELL WITH RESELL RIGHTS? ✦ Yes! If you want to resell with resell rights to your audience then you can! You have the choice if you want to sell the end product or resell rights. WHERE CAN I SELL THESE? ✦ You can resell these on your website, Etsy, apart of your memberships, programs, sales funnels in courses. This is totally up to you where and how you want to sell these products. HOW DOES INSTANT ACCESS WORK? ✦ Once decide what products you want to buy, you will automatically receive the download after your payment and you will be sent an email with the download links. It's always a great idea once you have the PDF that contain the links to Canva, you save this PDF to your computer or laptop, so you always have access to the original design and don't need to download over and over again. Your PDF file the one you download after purchase. This contains the links to the content designed in Canva. You just need to click the underlined text in the PDF document. We do recommend using a laptop or computer the first time as it is easier to navigate than on a phone. TERMS AND CONDITIONS: Due to the digital nature of this product, all sales are final therefore no refunds, exchanges or cancellations can be offered. There are no returns when purchasing a digital download. Please contact us with any questions before purchasing.
Godox UBL2 Translucent Umbrella 60\"Key FeaturesWidens Coverage, Softens OutputNeutral Color, Medium ContrastCompatible with speedlights and studio strobes, this Black/White, 60\" Umbrella from Godox widens the coverage and softens the light source's output. The light-shaper has a white interior that renders a soft, flattering, neutral-colored quality of light with moderate, manageable contrast.
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Meet your artistic muse with the UBL A5 Visual Art Diary. Our diary is more than a simple drawing tool - it's an inspiring platform that brings your creative concepts to life. Whether you're sketching away in the comfort of your home, crafting in the classroom, or doodling on the go, this stylish black-covered diary with 60 warm white pages is your go-to partner. Its 120gsm paper is sturdy enough to hold your vivid thoughts without any blot or tear, giving you ultimate freedom of expression. Suitable for all drawing styles, from doodles to detailed sketches Functional 120gsm paper - allows no tear or blot Wire spiral binding makes for easy flipping of pages Rugged PP cover and cardboard back for enhanced durability 60 warm white pages - enough to fuel your creativity The UBL A5 Visual Art Diary boasts a tough PP cover and a 2mm thick cardboard back, ensuring durability and ease-of-use. The wire spiral binding with a 1mm and 21mm diameter allows seamless flipping of pages, making it the perfect notebook for your ideas to flourish. Ever wondered why it is preferred by professional artists and casual doodlers alike? It's all because it's versatile yet high-performing, convenient yet chic, truly capturing the essence of "everyday luxury". So why wait? Invest in the UBL A5 Visual Art Diary today and let your creativity soar.
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Enhance your business with the UBC Course Stan Store Ultimate Branding Course, a done-for-you guide designed to help you sell lead magnets effortlessly. This DFY digital product, complete with master resell rights, provides the ultimate Stan Store guide for effective branding and lead generation. What's Inside: ✔Quick Start with Stan Store: A 16-page detailed guide that walks you through setting up and optimizing your Stan Store sales page for your digital marketing course. Easy-to-follow instructions and practical tips tailored specifically for the UBC edition, ensuring you get the most out of your Stan Store. Exclusive Bonuses: ✔The Canva Playbook: Learn the ins and outs of Canva with this bonus guide, designed to help you create stunning visuals and marketing materials effortlessly. ✔Product Listing Templates: Save time and create professional-looking product listings with our editable Canva templates. Perfect for showcasing your digital products in the best light. Who Should Use This Guide? ✔Digital marketers looking to enhance their sales page. ✔Course creators wanting to optimize their product listings. ✔Entrepreneurs seeking to improve their digital marketing strategies. ✔Anyone using Stan Store for their online business. Format: File Type: PDF Pages: 16 pages of content-packed guidance Bonuses: The Canva Playbook and Product Listing Templates (editable within Canva) 📥 Instant Download: Access your guide and bonuses immediately after purchase! ⚠️Disclaimer: Due to the digital nature of our products, we cannot process returns or offer refunds. We advise carefully reviewing the listing before purchasing to ensure it meets your requirements. If you have any questions, don't hesitate to reach out; we're happy to assist! ⚠️Terms: This Private Label Rights has exclusive Master Resell Rights with this purchase. Master Resell Rights (MRR): Edit, modify, rebrand, and sell it as your own. In addition to reselling the product, you can also sell the resell rights to your customers, allowing them to resell the product themselves. The ebook cover must be rebranded. Rebrand and make it your own. ❤️Matching Items❤️ Click here to view all matching items! https://www.etsy.com/shop/SheBossPLR?ref=dashboard-header§ion_id=49121929 Title UGC Content Creator UGC Portfolio Beginners Guide To UGC Master Resell Rights Done For You Digital Marketing Guide To Sell MRR Product Done For You Digital Products Resell Rights
Creating breathtaking artwork just got even more enjoyable with the UBL A3 Visual Art Diary. Featuring 60 warm white pages encased in a sleek, durable, black PP cover. This drawing companion is perfect whether you're a seasoned artist or a beginner just getting your feet wet. The generous A3 size gives you loads of room to sketch, doodle, or jot down creative ideas, while the robust 120gsm paper makes bleeding a non-issue. 60 solid 120gsm pages preventing ink bleed through Robust 1.2mm black PP cover ensuring durability Roomy A3 size perfect for all types of sketches Sturdy 1mm & 21mm diameter wire spiral for ease of use Thick 2mm cardboard backing for superior support This UBL creation stands out in the crowd of standard art supplies thanks to its competitive features which offer evident benefits to its users. We're talking about the sturdy spiral wire with a 1mm diameter base and 21mm diameter overall. There's also the 2mm-thick cardboard backing that supports your paper, keeping it safe from unsightly creases or bent corners. Purchasing this Art Diary is more than just buying a sketchpad. It's investing in your ability to create stunning visual narratives freely and without bounds. Make the UBL A3 Visual Art Diary your everyday go-to for bringing your artistic ideas to life.
The related details about the UBL helpline number. You can discover its head office Karachi contact number, main office address, complaint number, customer care
We explore the different kinds of leather grades including how they are made and what each one means when it comes to quality and craftsmanship.
